I've never had travel insurance for travelling in England (or Wales or Scotland for that matter) and we''ve holidayed on these isles for the last few years. You don't need to worry about medical insurance, but I suppose I was taking a risk that if there was some reason I couldn't go on holiday (death in the family, illness, that sort of thing) that I would have had to pay for a holiday that I couldn't go on. Thankfully that never happened. I've got travel insurance this year though - off to Florida!