Travel Insurance - why would we need it for a holiday in England?

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Last week my husband and I booked a two week holiday on the wonderful Orkney Islands. All that beautiful scenery and hopefully no chance of a mobile phone signal, we would be alone with the birds and the wildlife for two whole weeks - what a treat!

I was as stunned as could be when the travel agent added an extra £27.50 to the bill for travel insurance. Why on earth would we need that, Mortgage Bazar, mortgages for the 21st century I thought. Did they think we came down in the last shower? Why would we need travel insurance for a trip to another British destination? Its not like wed have to pay for hospital treatment as the NHS is free and were in Orkney after all, not Timbuktu.

When I got back home, I started to think about it all in more detail.

Things can go wrong on holiday, whether you are abroad or in Britain. I made a list to try and get the facts straight in my head: (home insurance)

What would happen if one of us were taken ill before we departed? Wed have to cancel, and both the ferries and the hotels would not take cancellations.
Both our parents are getting older and God forbid anything should happen to them, but if it did, wed of course have to cancel the holiday.
My husband or I could be called up for jury service, which as everyone knows, you have to do.
What if there was a major delay at the ferry? Wed have to stay in John OGroats for the night, an extra expense. car insurance Mart
What is someone stole our luggage?
I bought a very expensive digital camera to zoom in on the puffins and seals, what if I lost or accidentally broke it?
If either of us were hospitalised, wed want to be transferred back to our local hospital in Manchester to be near our family and friends.

After writing the list, I remembered our Home and Contents insurance policy, surely that would cover me if the luggage or camera was lost travelling in the UK. new mortgage articles @ mortgage machine I dug out the policy, and was glad I did. Our policy covered "personal possessions" but only if they were listed. Id only got the camera a fortnight ago, and it hadnt occurred to me to ring the insurers and have it added onto the policy as a valuable item. (car insurance)

Then I had another thought. Car insurance route- great resource If I needed to make a claim on the Home and Contents insurance, that would be the end of a very healthy no claims discount. That would be a major disadvantage to making a claim. A ten year claim free record and the premiums were still coming in at £305 a year. I made a mental note to shop around when the home and contents insurance came up for renewal.

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