Risks and dangers in the UK

Posted Date: 17 January 2018
Travel risks and dangers UK

The UK is a small country with a large population. With a diverse combination of bustling towns, historical spaces and rugged countryside, the UK is likely to have something for everyone. However, this incredible variety also means there are a wide range of risks and dangers to watch out for.

Key safety considerations for the UK

Key safety considerations for the UK

Natural disasters

The beautiful and rugged landscape of the UK provides many adventures for travellers, but also poses some risks.

Being a small landmass means the UK is exposed to extreme weather and can be subjected to storms. There are many rivers, lakes and lochs in the UK which are susceptible to flooding when storms hit, especially during winter. It’s no surprise that flooding is the most common natural disaster in the UK, which can affect transport, accommodation and also the spread of sickness and viruses.

Weather in the UK

If a natural disaster occurs in the area where you’re staying, your accommodation provider should have information about the procedures in place for such events. It’s a good idea to keep up with flood warnings during your stay. Sites like The National Flood Forum and the flood warning section of the UK Government site can provide information about flooding and what to do if it occurs.

Always check the government’s international travel advisory before booking any travel plans. Once you’ve booked your flights or accommodation, it’s a good idea to buy travel insurance straight away. It doesn’t cost you any extra to buy in advance of your travel date, but it does mean we can look after you for longer. For example, if a natural disaster results in your travel being cancelled before you set off, we may be able to refund any costs that your airline or accommodation providers can’t.

Walking in national parks in the UK

Sports and activities

The UK has some great opportunities for sports and activities during your visit. Whether it’s hiking in any one of the 15 national parks, kayaking on the famous Loch Ness, jet boating on the River Thames, mountain biking through forest trails or even skiing (yes, really!), there’s something for almost everyone.

Your travel insurance will cover almost all of these adventures, as long as you follow a few simple rules*:

  • If you’re riding a moped or motorcycle in the UK, remember to always wear a helmet. You must also obey the local road rules; luckily they also drive on the left hand side of the road.
  • Be sure to book any activities with a licensed tour operator, otherwise you may not be covered by your travel insurance if something were to go wrong.
  • If you’re going on a dive trip, you need to either be with a qualified diving instructor or you must hold an open water diving certificate.
  • If you’re planning on visiting a remote area (e.g. that doesn’t have telecommunications or medical services) then you need to do so as part of a licensed tour.
  • Although the UK isn’t known for skiing, there are some ski fields, in areas such as the Pennines and Lake District. If you’re skiing, always stick to on-piste runs that are patrolled and open to the public.
  • If you’re visiting the UK to participate in a charity or fun run, we can cover you if you’re not competing for prize money. If you’re unsure about whether your event will be covered, get in touch with us before you go

Wildlife in the UK

Animals and insects

The UK is generally safe when it comes to dangerous animals, especially if you plan to spend most of your time in the cities.

You can find a variety of wildlife in the UK, from the wild ponies of the New Forest to the mountain hares of the Scottish Highlands. Just remember, when it comes to wild animals, you never know how they’ll behave if they feel threatened, so it’s always best to keep your distance and give them plenty of space.

Wear appropriate footwear, such as hiking boots, when walking in one of the many national parks or rural areas, just in case you come across some of the less pleasant fauna. There are a few things to watch out for, including adders, the only poisonous snake in the UK.

Basking sharks can also be seen off the coast of Northern Ireland. They’re one of the largest species of shark, but they are not known to pose a threat to humans.

As with any trip, do some research into what animals or insects may pose a threat to you in the particular area you’re visiting, as well as related to any activities you’re doing (e.g. ocean encounters, mountain hikes).


Although generally safe to visit, crime does happen in the UK and unfortunately, tourists are often the victims. Petty theft is especially common in main centres and crowded areas like train stations or busy city streets, so keep your eyes peeled and be aware of your surroundings at all times. It also pays to blend in with the locals and avoid looking like a tourist. Things like keeping your camera in a zipped bag and knowing where you’re heading before you set off can make a big difference.

It’s easy to avoid trouble while travelling through the UK, just make sure to follow a few key tips:

  • Do your research before you go and find out where any dangerous neighbourhoods may be. Ask someone you trust, like the hotel concierge, if there are any areas you should avoid.
  • Scams are more common in places like train stations and tourist hotspots, so read our tips here on how to avoid common UK scams.
  • Avoid all emotionally charged environments like protests or political rallies, as these can end in violence.
  • Be sure to follow instructions from officials if you find yourself in a situation where police are involved.
  • Bag snatching is a common crime, so remember to keep your valuables out of sight, close to you and zipped up securely.
  • Avoid carrying a lot of cash on you at one time. Distribute it between the hotel safe, your wallet and a pocket so that you won’t lose it all if your bag is taken or you are pickpocketed.

Political unrest in Northern Ireland

Political unrest

Certain areas of the UK are less safe than others, especially areas like Belfast and Derry in Northern Ireland, where there is a history of violence between Protestants and Catholics. ‘The Troubles’ spanned many years in Northern Ireland and, although the area is peaceful and largely regarded as safe to visit now, it’s important to be sensitive to the history of the area.

The Shankill and Falls roads still bear many scars of the bombing and fighting, and you can see many patriotic military based murals. If you’re visiting these areas, avoid wearing any flags on your clothing or accessories, especially the Irish flag or the Union Jack. Pay attention to those around you and if you sense tension or unease, leave immediately. Avoid visiting Belfast and surrounding counties during marching season in June and July, as tensions are typically high and riots can occur.

Nightlife safety tips for the UK

Going out at night

Despite being the home to cities famous for nightlife, such as London, going out at night can be a mixed bag in the UK. There is a strong drinking culture among locals and it’s important to be aware of those around you and avoid interacting with heavily intoxicated people whenever possible.

  • If you’re sampling the local nightlife on your trip, there are a few things you should keep in mind to stay safe:
  • Avoid going out at night to secluded or unlit areas, especially if you’re not familiar with your surroundings. If you’re in a group, stick together and try not to become isolated.
  • There are many unlicensed taxis around London and they aren’t usually legal or safe. If you’re catching a taxi home, stick to the iconic London black cabs and avoid catching cabs alone.
  • Know how to get back to your accommodation at the end of your night out. If you’re in a group, take turns at staying alert and sober.
  • Never leave your drink unattended, and don’t accept drinks from strangers unless you can see them being made by the barman.
  • Avoid letting people know where you’re staying and be cautious of anyone who asks about your accommodation without good reason.
  • Try not to talk too loudly about your plans or where you’re staying when you’re out in public. You never know who could be listening!

Local laws in the UK

Local laws

There are some local laws and customs in the UK that overseas visitors might not be aware of. Here are a few basic rules to follow to avoid landing yourself on the wrong side of the law:

  • The legal drinking age in the UK is 18.
  • It is illegal to drink and drive in the UK, and the legal limit changes between England, Wales and Scotland. It is best to not drink at all if you’re driving.
  • You can drink in public, however in London it is illegal to drink on public transport.
  • Gambling is legal for people over 18.
  • Some prescriptions drugs that you can buy at home may be illegal in the UK.

Safety tips for visitors to the UK

*For full terms and conditions, sub-limits and exclusions, pleases see the policy wording.

Related articles

Common tourist scams UK

Common scams in the UK

We look at different kinds of scams across the UK and outline a few clever strategies you can use to avoid them. Read more

Travelling around the UK

Getting around in the UK

The UK offers a wide variety of transport options. Start planning your trip with our guide to getting around the UK. Read more

Tips for staying healthy UK

Tips for staying healthy in the UK

We have compiled some handy tips on how to stay healthy in UK, from planning tips before you go, to where to seek medical care. Read more


TravelCare is issued by Southern Cross Benefits Limited ABN 99 133 401 939, AFS License 331058 trading as Southern Cross Travel Insurance ®. We are a signatory to the General Insurance Code of Practice and the Financial Ombudsmen Service (FOS) Australia.

As an Australian financial services licensee (AFSL), SCTI is authorised to deal in, and provide, general advice on travel insurance products. As we are unaware of your specific needs, financial objectives, and circumstances, we highly recommend you take time to read the Combined Financial Services Guide (FSG), Product Disclosure Statement (PDS), including Policy Wording before buying this product, to ensure that our travel insurance product is right for you.

Copyright © 2018 Southern Cross Benefits Limited