Travel Insurance Expert and Head of Communications
Last updatedDecember 5 2025
12 min read
Holidaying close to home and looking for UK travel insurance? Exploring all that the UK has to offer (and not facing an international flight first) can be the perfect break. Whether you’re going to Cardiff, Edinburgh or Jersey, we offer UK travel insurance for trips in the UK, as well as the Isle of Man and the Channel Islands.
All our policies include cover for cancellation of your holiday or your belongings being lost or stolen. Plus, you can enjoy protection for over 100 activities as standard.
UK travel insurance has a whole range of benefits for your holiday. Although it’s not compulsory to get travel insurance for UK holidays, mishaps can happen, and it can offer you protection if something goes wrong.
Many situations are covered with a UK travel insurance policy, including:
Trips to the UK and more: Our UK travel insurance policies cover holidays in England, Wales, Scotland, Northern Ireland, the Isle of Man and the Channel Islands. This means you can enjoy trips to more places while knowing you’re covered if anything goes wrong.
Cancellation or cutting short your holiday: If you have to cancel your trip because of a family bereavement, jury duty, being made redundant or certain other reasons outside of your control.
Personal belongings: Cover for if your belongings are damaged, destroyed, lost or stolen. If you’re taking away anything particularly valuable, take a look at our gadgets and valuables add on cover.
Cover for personal accident, liability and legal expenses: No one likes to think about an accident happening on holiday. Our UK travel insurance policies can help with certain costs if one does.
Policies for a wide range of trips and eventualities: We can provide extra cover for activities such as extreme sports, and business trips. As well as policies that cover a whole family or group going away together. If you’re looking for cheap travel insurance for UK trips, we have a range of cover levels with different amounts of cover and excess. And we have no upper age limit, as we believe everyone deserves to enjoy a trip away.
Always make sure you read our policy wording to see the full terms and conditions and what is and isn’t included.
What does InsureandGo’s UK travel insurance cover?
What’s covered?
Our travel insurance for the UK includes trips in England, Scotland, Wales, Northern Ireland, the Isle of Man and the Channel Islands. Our UK travel insurance policies include:
Personal money, passports and travel documents cover
Accommodation cover
Legal expenses cover
Delayed departure cover
Personal accident cover
Emergency medical expenses in certain circumstances (see below for more details)
What’s not covered?
We strive to provide the best cover possible; however, there are some situations that no travel insurance will cover. For example:
You cannot cover events or reasons to claim that took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
All of our UK travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go
As long as you have booked accommodation for a minimum of two nights, our UK travel insurance will cover you. Our UK travel insurance policies will not cover:
Staying at a friend’s or relative’s house
Emergency medical expenses, if you have access to free healthcare under the NHS
Find out about our optional add-ons for activities like extreme sports and golf.
The excess and amount of cover available varies depending on the level of UK travel insurance you buy. Make sure you check the policy wording to see the full terms and conditions, including what is and isn’t covered.
Things to bear in mind with travel insurance UK policies – emergency medical costs:
As a UK resident: As the NHS is accessible throughout England, Scotland, Wales and Northern Ireland, you will not be covered for medical or hospital expenses in these countries on your UK travel insurance policy. If you’re visiting the Isle of Man or the Channel Islands, you will be covered for emergency medical expenses
As a resident of the Isle of Man: On a UK travel insurance policy, you will not be covered for emergency medical costs if holidaying on the Isle of Man. However, you will be covered in England, Scotland, Wales, Northern Ireland and the Channel Islands
As a resident of the Channel Islands: You will be covered for emergency medical expenses in England, Scotland, Wales, Northern Ireland and the Isle of Man. You won’t be covered if holidaying in the Channel Islands
Looking for the best travel insurance for UK trips? Whatever you’re planning, we have an option for you, from business travel policies to add-ons for extreme sports:
Annual travel insurance: If you’re going away more than once this year, take a look at our annual travel insurance covering UK breaks. You could save time and money by buying an annual policy, with options covering just UK trips, or trips both in the UK and abroad
Activities Insurance: Over 100 sports and activities are covered at no extra cost on our policies. If you’re planning on something a little more adventurous, you can get an add-on cover for extreme sports and hazardous activities. We also offer add-ons for golf, including cover for equipment that you’re taking with you
Family travel insurance UK: Get your whole family covered on one policy! Or if you’re heading off on a romantic weekend, we offer insurance for couples, too
Business travel insurance: If you’re travelling on business, get cover for your UK work trips. Including replacing essential work equipment quickly with emergency courier expenses
Choose a cover level to suit your travel needs
Black
Gold
Silver
Cancellation and curtailment
£10,000
£7,500
£5,000
Travel delay
Up to £650
Up to £540
Up to £450
Personal belongings
£5,000
£2,500
£2,000
Legal Expenses
£60,000
£50,000
£15,000
Standard Excess
Nil
£50
£60
Travel insurance for the UK with pre-existing medical condition cover
We will consider all medical conditions for our UK travel insurance policies and have no upper age limit. When you get a quote, we will ask you a few simple questions about your health. These may lead to a medical screening process where we ask for further details.
Remember, UK travel insurance will not cover you for emergency medical care if you’re holidaying somewhere where you are a resident. However, you must still notify us of any pre-existing medical conditions before you buy a policy. This ensures you are covered for cancellation or curtailment if you need to change your plans due to your medical condition.
You will be covered for emergency medical care if you’re visiting a place outside your home country. For instance, if you’re a UK resident visiting the Channel Islands, or from Jersey and visiting the UK. You must declare your pre-existing medical conditions when buying your policy to make sure you’re covered for emergency medical costs in these cases.
Make sure you read our policy wording to understand what is and isn’t covered when buying insurance for pre-existing medical conditions.
How to book travel insurance for the UK
It’s quick and easy to get travel insurance for UK holidays:
1. Tell us a little information about your trip, who you want to cover and any pre-existing medical conditions
You can do this online now or by calling our team:
We’ll show you your quote, then all you have to do is decide if you want to buy it now or save it for later.
Our experts say…
“As a UK resident, you might think you don’t need travel insurance for UK trips, as medical care will be free on the NHS. However, a policy could cover you for other situations faced on holidays. Whether your bag is stolen, you have to cancel your trip or you face legal costs from an accident, our UK travel insurance policies could help you avoid big unexpected bills.”
“The agent was able to explain how our trip to the Scilly Isles would be covered by a Curtailment clause in the event that ferry crossings were cancelled due to bad weather for more than 24 hours! Very helpful and clear.”
It isn’t compulsory to buy UK travel insurance; however, it can offer a range of benefits to help you if something goes wrong on your holiday. This includes cover for cutting short your trip for certain reasons, or replacing belongings that are damaged or stolen. UK travel insurance can help cover costs that would otherwise leave you facing high bills yourself.
Do you need a Global Health Insurance Card (GHIC) to holiday in the UK?
It is sensible to apply for a GHIC card if you are visiting any of the places covered by the scheme, where you are not a resident. However, it is still recommended that you buy travel insurance. The GHIC scheme will not cover all medical expenses or medical repatriation. Plus travel insurance will also cover you for other things going wrong, such as cancellation of your trip or your bag being stolen.
How much is travel insurance for the UK?
UK travel insurance is normally cheaper than insurance for trips outside of the country. Factors that may affect price include:
How long your trip will be
The level of policy cover you choose
Any add ons you pick, for instance cover for extreme sports
Travel insurance for the UK isn’t mandatory, however, it comes with a whole range of benefits if you do purchase it. We offer a variety of policies to choose from, including:
Do you need travel insurance for Jersey from the mainland UK?
Yes, you do. While Jersey feels close to home, it isn’t part of the UK and isn’t covered by the NHS. That means if you need medical treatment while you’re there, you could end up facing unexpected costs.
Travel insurance for Jersey gives you peace of mind by covering medical expenses, trip cancellations, lost luggage, and more. So you can explore the island’s beaches, coastal paths and charming towns without a worry.
Does UK travel insurance cover camping and festivals?
Yes, our travel insurance UK policies cover you if you have booked to go camping and have to cancel for certain reasons. The costs of your pre-booked pitch/accommodation will be covered. However, baggage left unattended in a tent cannot be covered if it is damaged, lost or stolen. Read our policy wording for full details.
Note: Festival tickets cannot be covered as the pitches are not pre-arranged.
Who can buy an InsureandGo UK travel insurance policy?
All our UK travel insurance policies are available to UK residents. This means:
Someone who has been living in the UK, the Isle of Man or the Channel Islands for at least six of the last 12 months
Has a permanent UK address and is registered with a UK GP
