UK Domestic Travel Insurance: Why It Still Matters

Last Updated on: 04/07/2025

When planning a holiday in the UK — whether it’s a weekend escape to the Lake District, a family break in Cornwall, or trip to Scotland to visit relatives — travel insurance might not be the first thing that comes to mind. But even when staying closer to home, things can still go wrong such as travel delays, cancellation and unexpected illness — and having domestic travel insurance can be just as important as it is for trips abroad.

Voyager Plus Travel Insurance policies can provide cover for holidays within the UK, as long as you're a UK resident. If you have an Annual Multi-Trip policy, UK trips are automatically included — provided your trip lasts at least two nights and includes pre-booked, pre-paid accommodation or transport. For Single Trip policies, simply select the UK as your area of travel when getting your quote to ensure you're properly covered.

Why Buy Domestic Holiday Insurance?

Staying within the UK doesn’t mean nothing can go wrong. Here’s how domestic holiday insurance can help protect your plans:

• Trip Cancellation Cover – Illness, injury or other unforeseen events could mean you have to cancel. Our policies help cover non-refundable costs, including hotels, cottages, and tickets.
• Lost or Damaged Baggage – Travelling by train, ferry or even a domestic flight? If your belongings are lost or stolen, our baggage cover helps with the cost of replacing essential items
• Missed Departures – Road traffic accidents or public transport delays can cause you to miss connections. Voyager Plus offers cover for additional accommodation and transport if needed.
• Financial Failure – If your accommodation provider or transport company goes bust, you may be entitled to claim back your costs under your policy.
• COVID-19 Cover – If you test positive shortly before departure, cancellation cover is included on all Voyager Plus policies.

Cover for Domestic Flights Within the UK

While many UK breaks involve car, train or coach journeys, some trips include domestic flights too — for example, flying from London to Belfast or Manchester to Edinburgh.

Even though you're not going abroad, domestic flights can still be affected by delays, cancellations, missed connections, or lost baggage. Voyager Plus Domestic Flight Insurance includes cover for these situations, helping to protect your plans — whether you're travelling by land or air.

What’s Covered with Voyager Plus Domestic Travel Insurance?

Our policies include a wide range of benefits for trips within the UK:

• Cancellation & Curtailment – up to £10,000
• Baggage – up to £3,500
• Personal Money – up to £1,500
• Legal Expenses – up to £35,000
• Personal Liability – up to £3,000,000
• Missed Departure – included
• Optional Gadget & Cruise Cover
• No Age Limit on Single Trip Policies

Whether you’re off to a countryside retreat or attending a friend’s wedding in another town or city, we’re here to help keep your plans protected.

Choosing the Right Cover

Just heading off for one UK break this year? A Short Stay Single Trip policy might be all you need. Planning more than one trip — whether at home or abroad? Our Annual Multi-Trip Insurance could offer better value and convenience, with staycations already included. You can also add multiple travellers to one policy for ease and potential savings.

Domestic Cover, Same Peace of Mind

Wherever you’re heading in the UK, don’t forget to pack your domestic travel insurance. Life is unpredictable, but with Voyager Plus Domestic Travel Insurance, you can relax knowing you’re protected throughout your staycation.

Click here to find out more about our Voyager Plus Travel Insurance.

This article is for information and entertainment purposes only. It does not constitute advice in any way. The information provided here is correct at the time of writing however please check the latest policy wording for the latest terms, conditions, and exclusions.