Many staycationers who think they have beaten the recession by holidaying at home don't realise that they still need travel insurance to make sure they are covered in case of holiday cancellation or lost luggage.
Although Britons don't need to worry about health costs in the UK, with swine flu still spreading quickly it is important to have your holiday insured in case you have to cancel it for health reasons.
But holidaymakers need not worry about insurance bumping up the cost of their trip.
Stuart Bensusan, also a director at EssentialTravel.co.uk said: '60 to 70 per cent of the cost of travel insurance when you are abroad is for medical problems so to insure yourself for travel in the UK is actually very affordable as you won't need the medical cover.
Also, Britons with an annual, multi-trip policy will automatically be covered for trips within the UK.
Mr Bensusan adds: 'Cancellation is the second most popular claim on travel insurance after medical fees so it is wise to make sure you have insured yourself for your UK break.
'When looking for insurance make sure it is underwritten by a reputable insurer based in the UK. That way is there are any problems you know you are dealing with a reputable company subject to British law.'
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