According to the consumer group, failing to book accommodation in advance or not journeying more than 25 miles from your home are some of the issues that may trip holidaymakers up should they need to claim on their policy.

The report analysed 80 insurance policies and found that most insurers insist that trips in the UK have pre-booked accommodation, with a minimum stay of two consecutive nights.

Some insurers require a longer stay than three nights for the policy to be valid.

This means that spontaneous bookings by travellers who just want to get away will not be covered by the policy.

Which? said that the restrictions also extend to the type of accommodation you stay in with most travel insurance policies state that the stay needs to be in a commercial property, like hotels and b&bs.

Those planning to camp should check with their insurer to make sure that they are covered for stay in a tent.

Which? also highlighted that certain policies need the holidaymaker to travel further than 25 miles from their home.

Some policies, such as Essential Travel’s Superior cover, insist that it must be at least 50 miles away.

Medical cover is often excluded from trips in the UK, but this is not an issue due to free healthcare through the NHS.

However, if you are taken ill on holiday and need to go into hospital, some policies pay for you to be transferred to a hospital near to your home. For example, Aviva includes ‘associated expenses’ as part of its medical cover.