Covid cancellations and insurance

[Notdoingthis]

I want to book accommodation for a UK break in October half term. I am nervous though, as it is a lot of money to me and I don't want to lose it! The accommodation says to make sure you have insurance. I do, through Nationwide. As far as I can see we are covered if one of us tests positive, but not for local lockdowns. Would you just book it before it gets booked up? Thanks

Sorry don't have any advice but following as I have same concerns. What nationwide insurance do you have? As far as I understood travel insurance is only for travel abroad so would very much like to know what if any cover exists for uk breaks

The travel insurance does cover holidays in the UK:

Trips in the UK have limitations.
Trips in the UK must be for 2 or more consecutive nights in pre-booked commercially operated accommodation.

I think it's Flex Plus, which does cover UK too. I am hoping the accommodation will just be reasonable and let us rebook new dates if there were to be a lockdown.

I am sure DH told me that Nationwide is phasing out that insurance (might be in December though).

Have you read through this:

www.nationwide.co.uk/help/travel/coronavirus-travel-insurance-cover

A lot of property owners/agencies are allowing people to reschedule if they can't travel. Not the same as getting a refund though.

Probably the best thing for you to do is to tot up all your holiday costs (travel/prebooled activities etc) and the. Buy a UK travel policy that covers what you can't cancel/reschedule.

If you go through Airbnb, booking.com or VRBO you can generally pick properties that are cancellable up to a short time in advance.

Having said that we had to reschedule our cottages.com holiday a number of times and they were nothing but helpful about it, however it did mean we were restricted to the same property and reliant on a week we wanted being available.

I used Staysure when we went to Spain in July

Which is completely unhelpful and I will read thread titles more carefully in future

We can't even get Nationwide's bank account travel insurance people to acknowledge we have multiple accounts with them never mind actually get a claim in for this summer.

All very helpful, thank you. I'm going to risk it. The Nationwide travel insurance ends December.

Which company are you booking through ? Most of the big ones will have something in their T&Cs to let you reschedule if there is a lockdown.

No it is a small one. Cottage in West Wales