What is a Staycation?

Firstly, what is a staycation? The traditional meaning of the term was a holiday based at home. Either a holiday spent entirely at home or

using the home as a base and having days out.

If this is what you mean by a staycation then no you don't need insurance. What will there be to claim for? What additional costs would you have to pay?

Over the last few years the term staycation has come to mean a holiday taken in your home country.

This is totally different to a holiday based at home and yes it is advisable to have holiday insurance for this.

Why?

• What happens if you fall ill and can't go on holiday, do you loose the deposit on the stay? Do you have to pay in full?
• What happens if you fall ill or have an accident on holiday? Does your partner have to pay for additional accommodation while you are in hospital? Can you get upstairs to your room with a broken leg or do you need to find alternative accommodation?
• What if I lost something while away?

Would you buy Travel insurance if you were going abroad?

If the answer is yes, then why wouldn't you get it for the UK? Ok the cost implications are higher abroad. Any medical assistance will need to be paid for, flight charges.

If you cancel your holiday, the accommodation abroad will still need to be paid by yourself or the insurance. If it is UK why would it be different. They have lost out by reserving the room and are too late to get an alternative booking. Some of these accommodation providers work on very small margins and not afford to lose this income especially during these covid times.

If you have multi trip insurance for your holidays abroad, did you know that it will probably cover you for your UK holidays as well? Many people take out multi trip holiday insurance as they are going abroad more than once, but have never thought of claiming when they have to cancel a holiday in the UK.

How much?

I thought I would do a quick quote to see how much travel insurance would cost in these covid times. for myself + 1 to get 15 months basic UK multi trip travel insurance was £40. This was with "Staysure" plenty of other companies, not a recommendation just a price (though very helpful customer service). Their prices start from £32, other insurances may be cheaper as will single trip insurance. This insurance did cover me if I was unable to go on holiday due to having covid or other illness.

If only for your own peace of mind you are better getting travel insurance. If you have multi trip for going a broad you are probably covered. (Please check with your provider and discuss your requirements).

Most importantly make sure you enjoy your holiday.