Before booking any overseas or domestic holiday, make sure you know what your insurance covers you for and what the terms of any refunds are if official advice stops you from travelling, as has happened in Spain.
You may also find that, although you do not have to quarantine on returning from another country on the Government’s permitted list, that place may still impose restrictions on you when you arrive.
Those booking British getaways may not be covered by their insurer if the trip has to be cancelled as most standard policies do not include domestic travel.
One of the safest ways of booking a holiday is to go for a package option, as you should always be entitled to a cash refund if the holiday is cancelled due to FCO guidelines or because the company has gone bust under the Atol protection scheme.
If you are paying for flights and accommodation separately, check if they allow you to change your travel dates without a fee. If not, ask your credit or debit card provider what protection they’d offer you in case you have to cancel or the travel operator fails.
For bookings costing more than £100, your credit card provider will usually refund you for any services not provided under Section 75 of the Consumer Credit Card Act. Some debit card providers also offer chargeback, where you can claim a refund for costs under £100. However this is not a legal protection and companies offer it at their own discretion.