Do you need travel insurance if you are travelling in the UK?

If you are going anywhere in the UK, essentially the only travel insurance that you need is a simple cancellation policy. This means that in the event of any transport or accommodation being cancelled, the policy will cover your costs.

For Single Trip Travel Insurance

For Multi Trip Travel Insurance

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Can you be refused Travel Insurance?
Insurance is all about risk. The greater the risk of an illness, accident, loss or another event occurring, the higher the premium you will be expected to pay for cover. If the Insurance Company decides that the chances of an incident occurring are extremely high, it is not obliged to insure you.
What exclusions on Travel Insurance should you look out for?
In other words, what is NOT covered by your travel insurance ! Never make any assumptions !
Are there any reasons why I may be unable to claim?
All claims should be honoured by your Travel Insurance Company providing you have supplied correct information and acted responsibly with your personal belongings. If this is not the case, your policy will be void and you will be unable to claim!
What should you do if you want to complain about your travel insurance?
Firstly, write to your insurance company and if you are still not satisfied contact the financial ombudsman.
Do you need special travel insurance for ski-ing holidays?
At the very least you should top up standard travel insurance with ski cover - but you are probably better off buying a specialist ski or extreme sports travel policy which gives you more extensive cover.
You don’t really need medical cover to be included as you will be able to get any treatment that you may need through the NHS.

However, if you are taking your pet, then you may wish to consider taking out a pet insurance, especially a policy that covers the costs of any damage caused by your pet.