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The pound is not as mighty as it once was which means more British holiday makers could be tempted to swap that break on the Costa del Sol for a week at home, and rediscover the UK's own holiday attractions.

Not only is the pound no longer as strong against the Euro, it's also suffering against the dollar, which has put a stop to some people's plans to go stateside for a break too. And what is one of the things you normally do before going abroad on holiday? Is it arranging a travel insurance policy ? Well, just because you are not venturing to a foreign country does not mean you don't need travel cover.

Disaster tends to not pay attention to which country you are in, and even a break on home soil can be ruined and you would lose money if you don't have sufficient protection. Although you won't need cover for medical emergencies, you could consider taking it out for cancellations or holiday curtailment, which can end with lost reservation fees, or expensive charges if you have to cancel.

Cancellation costs

It's understandable that many people don't consider cover in the UK - if they are injured or fall ill then there's no massive bill from the medics and also no chance of repatriation costs in the event of death. But there's still the risk you might have to cancel an expensive break or cut it short, which can be both frustrating and expensive if you don't have cover.

Why would such a policy be worth the money? For starters, a UK insurance policy is typically much cheaper than one which covers you for travel abroad, and goes beyond cancellation as it also typically protects against loss of your personal items, a potential problem which does not go away just because you are on holiday in Britain. (Though your home insurance policy may cover possessions away from home, so check the small print as you don’t want to be paying for the same thing twice!)

We're all quite aware that Britain is still not a cheap country overall, and those staying at home for their hols may decide to splash out on an expensive hotel to make up for the potential lack of sun. The cost of that booking is one of the things which could end up down the drain if you have to cancel, that is one of the many examples why travel insurance is worth considering when holidaying in Britain.