Nearly half of people going on city break holidays are travelling without travel insurance, according to new research by Post Office Money.

More worryingly, three in ten of those surveyed who failed to get cover for their trip said it never occurred to them to do so.

City breaks getting more popular

City breaks overtook beach holidays as the most popular choice for UK holidaymakers last year, says Post Office Money, and the trend looks likely to continue in 2015.

In the Post Office Money survey of over 2,000 people, one in 15 said they had fallen victim to crime on their last city break.

The most common crime to hit city break travellers was theft.

The research found nearly a quarter (24%) had money and their wallet/purse stolen while between 14% and 19% had a credit card, passport, electrical device, mobile phone, clothing, handbag/briefcase, luggage, sunglasses or jewellery stolen.

Over three in five who suffered from a theft had to pay out to replace stolen items because they were not covered by travel insurance.

Below is a table of the average amounts holidaymakers had to stump up.

Item

Average replacement cost

Money/wallet

£302

Clothing

£645

Jewellery

£2,288

Electrical device

£414

Handbag/briefcase

£770

Sunglasses

£1,219

Mobile phone

£429

As you can see covering the cost of replacing stolen items for unprepared city travellers ranged from £302 for wallets with cash to £1,219 for sunglasses and £2,288 for jewellery.

[Related story: 10 of the most bizarre travel insurance claims]

Travel insurance

Most travel insurance policies will provide you with cover for medical treatment and lost baggage as well as your personal belongings while away.

So it’s worth checking out quotes and purchasing cover before your next city break to avoid paying out yourself if things go wrong.

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