Travel Insurance for holidays in the UK is a waste of money. Or is it?
Last month my wife and I booked a weeks holiday on the lovely Scottish Isle of Lewis. A two day drive up to Skye and then park the car up and take a ferry over to Lewis and the village of Steornabhagh. Wonderful scenery, bird watching and plenty of peace and quiet. Time to unwind.
You can imagine my surprise when my friendly local
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Later in the day whilst relaxing in my lounge I started thinking ......
Holiday misfortunes can happen anywhere, not just abroad. So I jotted down the some of risks I could think of:
- The car might break down or, even worse, we might have an accident. No problem. My car insurance and breakdown cover would get us home and sort ( life insurance quotes ) that out.
- Some thief might steal away with our luggage
- Last weekend I bought an all singing and dancing digital camera. Bought it on the Internet especially for the trip. What would happen if I lost it whilst on holiday?
- If either of us were taken seriously ill we wouldn't want to be marooned on Lewis or Skye. Don't know even whether they have a hospital on Lewis. Anyway, we'd want to be transferred back to our local hospital in Yorkshire.
- My in-laws are getting on, a bit frail now. God forbid, but I'd have to cancel the holiday if something happened to them just before we were due to leave.
- My wife or I could be taken ill before we depart. Then we'd have to cancel. As the ferry and the hotel were non-cancellable, we'd lose everything we've paid.
- There could be a big delay at the ferry sailing over to the Isle of Lewis. Besides the inconvenience, we have to sort out overnight accommodation on Skye.
- One of us might be called for jury service.
Then I had a thought. If I were in the UK, my existing Home & Contents insurance policy should cover me for loss of my precious camera or luggage. I nipped ( life insurance quotations ) upstairs and dug out the policy. That was fortunate. We were only insured for "personal possessions" if they were listed and as I'd just bought my digital camera I hadn't got round to listing it as a valuable item on my policy.