What Happens If You Travel Underinsured? 5.8 million Brits intentionally left for their holidays underinsured, without medical cover in place this summer. Were you one of them? While our understanding of travel insurance may not be as strong as our knowledge of the...
Why Do I Need Travel Insurance For A UK Staycation?
Jumped on the UK staycation trend for 2026? Holiday Park Operators have shared that summer bookings have jumped by over 30% compared to 2025. This may be due to the increased threat of flight cancellations or delays at border control (caused by the EES (the EU’s Entry Exit System)). So, if you’re looking for a last-minute break, a staycation is a no-brainer!
However, taking out travel insurance as soon as you book a staycation is also a wise move. Unsure of why UK travel insurance is needed for a staycation? Take care of your holiday dreams! We’ll help you realise the benefits and reasoning.
What are the benefits of taking out travel insurance for a staycation?
Claim for loss of deposit, cancellation, or curtailment
If you have an unexpected accident before your staycation, UK travel insurance can make you less vulnerable to losing your holiday or meeting unexpected costs. When taken out before you travel, make a claim for cancellation. Need to cut a trip short due to illness or injury? Seek to claim under curtailment.
Travel disruption and unexpected events
If your scheduled travel plans are disrupted on the way home from your holiday destination, such as adverse weather conditions like extreme heat, your insurance may pay for additional accommodation or any transport charges you may incur.
Read all the terms and conditions of your policy before taking it out.
Five reasons to get travel insurance for a staycation
- Your breakdown cover may need upgrading to help you get towed if you’re more than 10 miles away from your home or destination.
- If you need to unexpectedly cancel your holiday due to illness, injury, redundancy, or bereavement, you’ll need cancellation and curtailment cover. This will help you claim the cost of your unused accommodation, any pre-booked outings, or travel expenses.
- Your home insurance may not cover all your personal belongings outside of your home as standard. Plus, if you’re travelling with many expensive gadgets and/or equipment, these items can add up. Especially if you’re travelling as a family of four or more.
- You still need cover for adventurous activities if you are in the UK. Plus, it will be invaluable if your expensive equipment is damaged or stolen. Or even if you cannot ski, due to the slope being closed during a ski holiday in Scotland.
- If you have annual travel insurance for multiple trips abroad, it may not cover you for a staycation.
Read the terms and conditions or consider a specialist travel insurance policy from P J Hayman that does include cover for multiple trips abroad and the UK…
P J Hayman’s travel insurance policies that cover UK holidays
When considering travel insurance for UK holidays, refer to Free Spirit UK Travel Insurance or Coach Plus.
Free Spirit
Free Spirit is specialist travel insurance for UK residents of any age with medical conditions.
The features and benefits of Free Spirit Travel Insurance
- Cover provided for a minimum of two nights with pre-booked accommodation –
- £10,000 specific cover for UK trips
- No medical screening required
- Three cover levels
- Up to £6,000 towards cancellation cover
- No age limit
- Rated excellent on Trustpilot
- One hundred activities are included for free
Coach Plus
Coach Plus covers UK coach tours and trips, plus cancellation cover, emergency medical costs, and repatriation home.
The features and benefits of Coach Plus Travel Insurance
- Standard cover for residents of the UK, Channel Islands, and the Isle of Man
- Available to people of all ages
- Cancellation and Curtailment cover up to £1,500
- For single trips of up to 70 days
- 24-hour emergency medical assistance helpline included
- Child discounts
Catch a coach after checking out Coach Plus.
Curious? This is what our customers have shared about our UK Travel Insurance policies…
Reviews about P J Hayman’s UK Travel Insurance Policies
Travel, with confidence with Travel Insurance for a staycation
Whether you book a UK coach trip or chill in a charming coastal cottage, take care of yourself and your staycation! The benefits of UK travel insurance may be unknown, but we hope you have now realised how it can help you to travel with confidence.




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