The wise may think that falling back on their house insurance through loss of personal effects and the like is the smart way to go. This scenario will end up costing you in the long run due to increased house insurance payments as a result of personal effects claims, and the fact that a limit is placed on many housing insurance policies as to how much you can claim.

People are much more susceptible to having an accident or losing something through absentmindedness when travelling, even in their own country. You are more likely to have a car accident, more likely to become the victim of theft and there is a chance that you may need to cancel travel tickets and accommodation, at a loss.

UK travel insurance will cover all of these points and more for just a small fee. While you may be able to claim for the loss of a camera on your house insurance, it will not cover you for missed flights. With travel insurance, if you were to become ill just before you travel, you could cancel tickets and hotels and recoup any monies already paid through your policy.

If you were to become ill while away from home, you may want to recuperate in your home city rather than lie in a hospital in a different city. Repatriation even within the UK is covered, while medical benefits include a hospital daily allowance, medication, and even emergency dental cover - and we all know how expensive dentists are in the UK!

You can just as easily lose your bag on a domestic flight within the UK as you could from London to Barcelona or elsewhere. UK travel insurance will cover you for this loss and will even extend to providing you with a flight delay allowance should your bags be delayed at the airport.

Becoming injured through the negligence of others is on the up on UK streets. Muggings and violent crime are both higher than they used to be and wandering the streets of any major city on a Friday or Saturday night can be a daunting venture. With travel insurance in Britain, if you become injured through no fault of your own, your medical expenses will be catered for and you can also have the perpetrator taken to court and all legal fees will be covered.

So for the sake of a few pounds, every aspect of your holiday in Britain can be covered without having to worry about additional costs should you become ill away from home, or have to cancel a flight. And the best thing is, you can sign up for travel insurance online and save money.