While most buy travel insurance for overseas travel, many don’t go through the trouble at home, leaving them unprotected against cancellation, reduction, or lost or stolen personal effects. This summer, 22 million Britons will spend £ 14.6 billion on holidays in the UK, according to a new study from Virgin Money. Of these, six in 10 will not purchase travel insurance, despite spending an average of £ 660. The NHS may be there for national medical emergencies, but Virgin’s director of customer experience Fergus Murphy said insurance was always of value: “It could help you if you run into delays, cancellations or if you lose your mobile or tech gadgets while you are away. “

Virgin’s new packaged current account, the Club M account, combines travel, breakdown assistance and cell phone coverage. Many banks offer similar plans, so check if you already have coverage.

When booking insurance, ask if your policy will pay for cancellation if you test positive for Covid before departure, or a reduction if you catch it while you are away, as the rules differ.

No policy will reimburse if you travel against government advice, if you were supposed to protect yourself, or if you tested positive before purchasing insurance.

Separate research from Aviva General Insurance shows Britons are lining up for independent camping, caravanning and travel in the UK, and chief risk officer Sarah Applegate said buying insurance brought peace of mind.

A good policy can cover cancellations for unforeseen issues such as injury or illness suffered by you, a traveling companion, or close family member, as well as juror service and termination.

Applegate said they take cover at the time of booking because then you are protected if you have to cancel: “Otherwise, you could lose a deposit or even the full cost of your vacation.”

Remember to disclose your complete medical history. “If you have coverage through your bank or an annual multi-trip policy, notify your insurer of any changes in health upon renewal,” Applegate said.

Always read the policy in the fine print as many insurers require pre-booking and minimum stays, such as two consecutive nights.

Many policies do not cover baggage as standard, although you may be able to purchase it as an add-on. You may have coverage for your belongings as part of your home insurance policy, so check.

A good travel policy can also pay off if your vacation business goes bankrupt and for additional travel or accommodation to return home after illness.

Specialty medical travel insurer InsuranceWith.com has seen an increase in requests from people booking “seacations”, also known as UK cruises.

Brand manager Sarah Page said cruise coverage provides compensation if you’re confined to your cabin on medical advice or miss prepaid excursions.

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