Vacationing at home: do I need travel insurance or not?

The May vacation is upon us again! More and more people are opting for a vacation in their own country, because after all, there is also a lot of beautiful things to see in the Netherlands. Are you going on vacation in your own country this year? Then perhaps you are already busy with the preparations. Planning your trip, arranging accommodation, packing your suitcase and... travel insurance. Travel insurance can also come in handy during a vacation in the Netherlands. With a continuous travel insurance you are insured throughout the year in case of damage or theft while traveling. However, there are a number of things to consider when buying travel insurance for a vacation in your own country. We have listed them for you below.

Get continuous travel insurance right away!

Coverage only with a minimum of one overnight stay

Travel insurance only provides coverage in the Netherlands if you have booked at least one overnight stay. So during a day trip your belongings are not insured. For this you can take out a home insurance coverage with your home contents insurance. With this coverage your belongings are also insured in case of damage and theft. Sometimes this coverage is included as standard with a home contents insurance. You can check this in your policy conditions.

Not all coverages are equally useful in the Netherlands

A continuous travel insurance policy you can put together yourself based on different coverages. Think for example of medical expenses, luggage or breakdown on a trip. However, some matters are already covered by other insurances in the Netherlands. Medical expenses are already covered by your health insurance. And do you already have a car insurance with roadside assistance or a separate roadside assistance insurance? Then the roadside assistance coverage is also unnecessary.

Properly insuring your belongings

When you go on vacation, you naturally take stuff with you, such as expensive sunglasses, brand new camera or luxury smartphone. It's nice to be properly insured if something happens to your belongings. With the luggage coverage you are insured for damage, theft and loss of your luggage. Even in the Netherlands you can call on your insurer in that case, for example if your suitcase is stolen, but also if you drop your camera.

Don't forget cancellation insurance

Unfortunately it sometimes happens that you have to cancel your vacation due to an unexpected event, such as the death of a close family member, a divorce or illness. With the cancellation coverage on your continuous travel insurance you will be reimbursed for the costs you have already incurred for your trip. You can also appeal to the insurer if you have to end your trip prematurely. Take out your travel insurance on time, because most insurers require you to take out cancellation insurance within 7 days of booking your trip, otherwise your trip will not be covered.