Most modern travellers wouldn’t dream of travelling abroad without some sort of travel insurance. But what if you are holidaying at home in the UK?
With UK “staycations” on the rise, what would happen to money you’ve paid for your holiday, or the deposit on it, if for some reason you couldn’t take the holiday you’ve planned.
Paying the deposit is a form of binding contract and once paid, there is no obligation on the seller to offer you a refund if you are unable to take up the holiday you’ve booked.
Cancellation insurance can protect you from that loss.
A number of insurance companies offer policies that will reimburse you for part or all of the cost of your deposit and/or holiday if you have to cancel for a variety of reasons. These often include:
Many camping parks now offer or recommend that their customers take out this type of insurance, either through them or a third party provider. Although this will add a small amount to the cost of the holiday for the customer, it means they have the peace of mind of knowing that should an insured but unforeseen event prevent them from taking their holiday, they will at least be reimbursed for some or all of the cost through their cancellation insurance.
Other risks and potential losses campers and caravanners may also wish to consider include loss or damage to their equipment. Insurers offer polices which cover these types of risks for tents and caravans, as well as other potential liabilities that could arise.
As with all insurance products, its important to check out exactly what cover the policy provides and any exclusions that might apply.
Ultimately the decision as to whether you take out insurance to protect your deposit, holiday costs and gear is up to you. But if you choose not to take out insurance, it will be you that carries the risk (and the cost) if you have to cancel your stay or if your kit is damaged or stolen.
(Dorset Camper does not provide insurance services nor does the appearance of an advertisement for such service on this or any other page constitute a recommendation for or endorsement of any such service provided by third parties.)
Paying the deposit is a form of binding contract and once paid, there is no obligation on the seller to offer you a refund if you are unable to take up the holiday you’ve booked.!..."