City break holidaymakers say no to travel cover | will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by will always be from Be Scamsmart.

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Lieke Braadbaart

Online Writer
Published: 22/06/2017

Travel insurance can sometimes seem like an unnecessary luxury, especially if you've been lucky enough to avoid travel woes in the past. It's therefore maybe not so surprising to find that one in four holidaymakers are jetting off without such cover, with those going for a city break being the worst offenders.

This was revealed in a study by Consumer Intelligence, which found that 26% of people who have been on holiday in the past six months did not take out travel insurance, even though one in 12 of those who have gone overseas in the past two years have had to claim on their policy.

While people realise it is risky, 35% said they took the risk because it was only a short trip or city break, 25% were happy to take the risk, and 14% said travel cover was simply too expensive. The latter group may have a point, as price data from Consumer Intelligence shows that the average premium for European trips has increased from £16 last year to £20 now.

Still, travel insurance might be more crucial than many realise, with 25% of holidaymakers believing that the free European Health Insurance Card (EHIC) is enough to cover them against any medical costs. These people might be sorely disappointed if they find themselves in a European hospital with no travel insurance, as the EHIC is unlikely to cover repatriation costs or long-term hospital stays, and its benefit depends on which country you're visiting.

Another obvious issue with this over-reliance on the EHIC is the fact that it will likely disappear once the UK leaves the EU. That could be why 49% of holidaymakers said they're more likely to buy travel insurance after Brexit.

What next?

Compare travel insurance policies to find the one that best suits your needs – it might cost less than you think

If you've got a current account that allows you to get preferential rates on travel insurance, or even free travel insurance (yes, it happens!), be sure to take advantage before your next holiday


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