As Covid-19 restrictions are tightened in Scotland and Wales, and are set to be increased in parts of England next week, there are concerns that a potential ban on overnight stays could affect those with half-term plans.

It is not yet clear whether, if imposed, overnight stay restrictions will apply to only homes, or whether this will include stays in hotels, caravan and campsites, holiday homes, and guest houses.

However, staycations might not be the only option for those keen to get away over the half-term, as the government has added five more Greek islands to the travel corridor list.

Britons are now able to travel to Lesvos, Tinos, Serifos, Santorini, and Zakynthos (Zante) without having to quarantine upon their return to the UK. Not only is this good news for the struggling travel industry, but it also gives tourists a few more options for a holiday destination.

Wherever you decide to go on your holiday, it is always advisable to protect your trip with adequate travel insurance.

Staycation policies are available for those who fancy a break here in the UK. These policies generally cover mishaps that can happen on holiday, including cover for property damage, personal possession, and vehicle breakdown.

Furthermore, many travel insurance providers are now offering cover for claims related to Covid-19, including cover should you test positive for Covid-19 before your trip and need to cancel. However, it’s worth knowing that these policies are unlikely to cover cancellation if the reason is related to a change in government guidance due to the current Covid-19 crisis.

Therefore, we would suggest that those holidaying in the UK check their booking terms and conditions, as many holiday providers are being flexible and allowing customers to alter their trip dates in these circumstances.

If you’re planning on having a last-minute getaway abroad, many providers are extending their travel insurance cover with options to cover various risks in the current climate, for example:

  • Cancellation cover: if anyone on the policy contracts Covid-19 before they start their holiday
  • Curtailment cover: if anyone on the policy contracts Covid-19 during their trip
  • Medical expenses: should anyone on the policy fall ill with Covid-19 while on holiday
  • Denied boarding: if anyone on the policy is refused boarding on their flight by an airline due to having a suspected case of Covid-19

It is important to note that the majority of travel insurance providers will not offer any cover at all if you travel against the Foreign, Commonwealth and Development Office (FCDO) advice. There are policies that do allow you to travel against FCDO advice, but they do have certain limitations, therefore please check with your provider to ensure you have the cover you need before you purchase one of these policies.

Of course, all insurance policies vary from provider to provider, so we would recommend getting in touch with your insurer if you have any concerns or questions over the cover you are buying.

For more information on the current rules on UK breaks click here.  And for more information on the countries that are on the safe travel corridor list, click here.