The major issue remains the strange concept that if you live (for example) in Manchester where there are over 500 cases per 100,000 of the population you have to quarantine for 14 days if you return from a country where there are 21 cases per 100,000, although I suppose that whilst it’s good that it protects returning travellers from catching the disease in the street outside their house, it does nothing to slow the spread in Manchester.
Frankly, with the level of new infections in UK it is amazing that the hasn't already put on the quarantine list of the majority of countries around the world, so before too long it won't be a question of insurance, or quarantining on return to UK, but spending your two weeks holiday in glorious isolation in your holiday hotel.
EU countries, by and large, are taking a pretty lenient attitude to UK arrival, that I believe will cease to be the case from January 2021.