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What’s the climate in the UK like?

There is nothing more British than talking about the weather. Indeed, if you’ve ever found yourself making polite small talk with a Brit, it’s likely they will have found a way to complain about how poor the weather is in their nation.

But don’t let the British knack for self deprecation fool you — the United Kingdom has a varied climate that’s much more pleasant than most visitors expect. The nation also offers an abundance of wonderful reasons to visit, from vibrant popular culture, to outdoor adventure opportunities and fascinating history.

The climate in the UK

Officially the climate in the United Kingdom can be described as a humid temperate oceanic climate. This is defined by relatively mild winters and cool summers, without dramatic extremes in temperature ranges. And because the UK is an island nation, there is a fair amount of rainfall during every season, with an average annual rainfall that hovers around 1,000 mm (about 39 inches).

However, there is climatic variation by region in the UK, from the beaches of the southeast of England to the Scottish highlands. These regional climates are influenced greatly by proximity to the Atlantic Ocean, the prevailing wind, the presence of mountain ranges, and the impact of the Gulf Stream carrying air currents across the UK. As a result, weather patterns across the British Isles are far from uniform.

Generally speaking, England tends to experience warmer average temperatures than Scotland and Northern Ireland to the north, and Wales to the west. The South West and South East of England tend to experience warm summers, with higher maximum temperatures and plenty of sunny days across the beaches on the south coast. Meanwhile Northern Scotland experiences the coldest temperatures in the UK during the winter due to its northernmost position.

The short, transitional seasons of autumn and spring in the UK typically run from late September to mid October for fall and anywhere from late March to May for spring. Both seasons are good times to visit: in the fall, the colors of russet autumn foliage are at their most vibrant, while spring sees the UK’s green spaces bursting into life with budding trees and blooming flowers.

When is the best time to visit the UK?

There isn’t really a bad time to visit the UK, it just depends on what type of trip you are hoping to enjoy. If you’re looking for warmer temperatures, then obviously the summer months are the best time to visit the UK. Generally, temperatures range from 16 to 25 degrees Celsius (59 to 77 degrees Fahrenheit) but due to the impact of climate change, summer temperatures have been known to climb much higher in recent years.

When is the best time to go sightseeing in the UK?

The UK’s capital London is one of the world’s great cities for good reason. From the Houses of Parliament, Big Ben and Westminster Abbey, to world-class museums, art galleries, performing arts, and literary history, there are a wealth of sites to visit and experiences to discover. So while visiting in the spring or summer you will enjoy warmer temperatures, you can still have a wonderful time during the cooler months.

As a nation, the UK is fully accustomed to cold temperatures and persistent rain, so if you visit during the winter months there is still plenty of indoor entertainment to keep you fully occupied. The London Underground metro system, known locally as the Tube, will help you get around mostly underground so you can enjoy museums, culture, theater, historical sites, and shopping — all while staying largely indoors. Just make sure to bring suitable shoes for rainy weather and don’t leave home with your “brolly” (umbrella).

When is the best time to go hiking in the UK?

What could be better than an invigorating country walk followed by a relaxing pint in a cozy British pub? If you want to go hiking or take part in outdoor activities during your visit to the UK, then it’s probably best not to visit during the winter months which are the coldest and wettest of the year. However, if you do, just make sure you bring the right rain and cold weather gear to keep you warm and dry.

Always pack your travel insurance

No matter when you visit the UK or what kind of activities you’re going to pursue, one thing is certain: both travel and weather can be unpredictable. Protect your well-being and investment with a comprehensive travel insurance policy.

Travel insurance plans provide coverage in a wide range of situations including trip delay, trip cancellation, baggage loss and delay, and trip interruption, as well as travel medical insurance to provide coverage for any expenses you might incur if you suffer an accident or medical emergency during your trip. If you do experience an emergency, be sure to call the travel assistance hotline as soon as you can — the experts there can offer guidance in just about any situation.

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PRE-EXISTING MEDICAL CONDITION

Pre-Existing Medical Condition means an illness, disease, or other condition during the 180 day period immediately prior to the date Your coverage is effective :
  1. received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute, or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or
  2. took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 180 day period before coverage is effective under this policy.
  3. required a change in prescribed medication. Change in prescribed medication means the dosage or frequency of a medication has been reduced, increased, stopped and/or new medications have been prescribed due to the worsening of an underlying condition that is being treated with the medication, unless the change is:
    1. between a brand name and a generic medication with comparable dosage; or
    2. an adjustment to insulin or anti-coagulant dosage.
If you, or someone you are traveling with, has a Pre-Existing Medical Condition, you can still buy a policy from us but there is no cover for any claim arising directly or indirectly from that condition.

PRE-EXISTING MEDICAL CONDITION

Any Medical Condition that, within the last 12 months, required any:

  • surgery, inpatient or outpatient treatment, referrals or investigations of any sort. This includes being on any waiting list, taking any prescription medication, tablets or required medical treatment (This will not apply to common colds, flu or contraceptive medication);
  • medical advice or treatment for any respiratory condition relating to the lungs or breathing;
  • medical advice or treatment for any heart, stroke or diabetic condition;

Hypertension or high cholesterol controlled by 1 prescription drug only and where the dosage has not been changed within the last 12 months will not be considered a pre-existing medical condition

Coverages Available:

*not all coverages are available in all states
Travel Protection Benefits Limits
Trip Cancellation 100% of trip cost (up to a maximum of $20,000)
Single Occupancy Up to trip cost
Cancel for Any Reason Up to 75% of trip cost Up to 50% of trip costs in FL(CFAR not available to NY residents)
Trip Interruption 150% of trip cost
Delay Package
Trip Delay
Maximum $200 per day up to $2,500
Missed Connection Maximum of $1,000 per covered trip
Baggage Package – Excess
Baggage and Personal Effects $2,500 $100 Deductible
Baggage Delay $100 per day up to a maximum of $500
Travel Medical Package – Excess AK, CO, ID, ND, NH – Primary
Travel Medical Expense – Adventure sports included $100,000 $50,000 in NH $50 Deductible
Emergency Dental $750
Emergency Evacuation and Repatriation of Remains Up to $500,000
Up to $1,000,000 in NH
Accidental Death & Dismemberment $100,000 or $250,000 or $500,000
Pet Medical Package
Pet Medical Expense Up to $2,000 $100 Deductible
Pet Return Up to $500
Rental Vehicle Damage – Primary Up to $35,000 per rented vehicle- Primary $250 Deductible for loss greater than $2,000
Vacation Rental Damage $1,500 or $3,000 or $5,000

Travel Medical Insurance

Some benefits are subject to an excess (aka, the deductible, or what you have to pay before we pay), as stated in the Policy Schedule, and are per Policy Period.

Benefits Limits
Cancellation and Curtailment 5,000
Emergency Medical Expenses, Evacuation and Repatriation of Mortal Remains 10,000,000 (excess 250 or 50)
Hospital Benefit 25 per day, maximum 100
Personal Accident up to 250,000
Baggage Loss or Delay up to 5,000 (excess 250 or 50)
Personal Money and Passport, limited to 250 in respect of cash 500 (excess 250 or 50)
Personal Liability 500,000
Travel Delay 500
Optional Benefits Limits
Business Extension up to 1,000 (excess 100)
Winter Sports (Ski Equipment) up to 750 (excess 50 or 100)

Travel Medical Insurance

Some benefits are subject to an excess (aka, the deductible, or what you have to pay before we pay), as stated in the Policy Schedule, and are per Policy Period.

Benefits Limits
Trip Interruption 2,000
Emergency Medical Expenses, Evacuation and Repatriation of Mortal Remains 10,000,000 (excess 250)
Hospital Benefit 25 per day, maximum 100
Personal Accident up to 5,000
Baggage Loss or Delay up to 2,000 (excess 250 or 50)
Personal Money and Passport, limited to 250 in respect of cash 500 (excess 250) *** Limited to 250 in respect of cash
Personal Liability 500,000
Optional Benefits Limits
Business Extension up to 1,000 (excess 100)
Winter Sports (Ski Equipment) up to 750 (excess 50 or 100)
Personal Accident up to 250,000
Baggage up to 10,000

Travel Medical Insurance

Some benefits are subject to an excess (aka, the deductible, or what you have to pay before we pay), as stated in the Policy Schedule, and are per Policy Period.

Benefits Limits
Cancellation up to $20,000
Trip Interruption $1,000
Medical and Emergency Expenses $5,000,000 (deductible $250)
Hospital Benefit $25 per day, maximum $100
Personal Accident up to $50,000
Baggage $2,000 (deductible $250)
Personal Money and Passport, limited to $250 in respect of cash $500 (deductible $250)
Personal Liability $500,000
Optional Benefits Limits
Business Extension up to $1,000 (deductible $100)
Winter Sports (Ski Equipment) up to $750 (deductible $50 or $100)

Travel Medical Insurance

Some benefits are subject to an excess (aka, the deductible, or what you have to pay before we pay), as stated in the Policy Schedule, and are per Policy Period.

Benefits Limits
Cancellation and Curtailment 5,000
Emergency Medical Expenses, Evacuation and Repatriation of Mortal Remains 10,000,000 (excess 250 or 50)
Hospital Benefit 25 per day, maximum 100
Personal Accident up to 250,000
Baggage Loss or Delay up to 5,000 (excess 250 or 50)
Personal Money and Passport, limited to 250 in respect of cash 500 (excess 250 or 50)
Personal Liability 500,000
Travel Delay 500
Optional Benefits Limits
Business Extension up to 1,000 (excess 100)
Winter Sports (Ski Equipment) up to 750 (excess 50 or 100)