Insurance for holiday in UK.

I think they are unnecessary hidden charges. I have noticed that some companies ask for a returnable deposit in case of damage and we have paid this in the past and it has always been returned without a quibble, but I think you are right surely they expect some wear and tear. If we break a glass etc.we have always replaced anyway. I try and avoid companies with these type of conditions, but not always possible.

My holiday insurance with Nationwide covers UK holidays of more than 2 nights for cancellation. As for damage, it will all depend on the contract which you have to decide to accept as part of the booking- it’s up to you but I don’t like the sound of this company .