Well bad weather was an example. What about if you go camping, and some items are stolen from the tent - would you be covered in travel insurance, or is that household insurance?

Imagine any event that would happen abroad, could happen when camping in Cornwall, etc. Well apart from flight, lost luggage etc.

With most travel insurance policies you will get the same cover, such as medical expenses & cancellation, whether you are camping or staying in a hotel.

For example, if you had pre-booked a campsite for your holiday, then had to cancel because of illness or redundancy you could claim for the cost of the campsite in the same way that you would for a pre booked hotel. Unfortunately you would not be able to claim if you were cancelling due to bad weather!

In a situation like that described above, when everything gets wet due to rain, you would be able to claim for a valuable item, such as your camera, if it was no longer functional due to water damage. You would also be able to make a claim if other personal possessions were damaged or broken.

As far as theft is concerned, you should be extra careful to keep your possessions safe whilst camping. Valuables items are covered for theft, subject to the normal policy terms and conditions, so long as they are on your person or kept in a locked vehicle between the hours of 8am and 8pm. Overnight, they would only be covered if they kept on your person.

Camping equipment such as tents, sleeping bags and mattresses are excluded from the policy; therefore they are not covered for damage or theft.

As with all insurance policies we recommend that you read the policy terms and condition carefully to check that they provide the cover that you need. Go Travel Insurance provide a 14 day money back guarantee, which gives you plenty of time to ensure that the cover meets your requirements.

Thanks, that’s very useful to know, next time I go camping!