Travel Insurance

If you’re looking for great value travel insurance with quality cover and benefits, then look no further than the travel insurance LV= has to offer.

CSMA Club members already receive a 5% discount on general public prices and if you already have a car or home policy with LV=, you’ll receive a further 10% off if you buy either an annual multi trip policy or a single trip policy. And you can save an extra 15% when you buy online!#

Get a single trip quote

Get a multi trip quote find out more CTA, 220x75px   Call 0800 202 8179

 

Lines are open Mon-Fri 8am-9pm, Sat 8am-5pm and Sun 9am-5pm (for textphone first dial 18001). Telephone calls may be monitored and/or recorded. 

# When more than one discount is relevant, each is applied individually

Our terms of business can be found here.

Key Features

NThere are two policies on offer, Premier and Essential and you can choose between single trip or annual multi-trip cover. Enjoy your holiday safe in the knowledge that LV= have you covered while you’re on your travels.


Essential policy

  • Up to £10m emergency medical cover
  • Up to £5,000 if you need to cancel your trip before you travel due to unexpected illness
  • No upper age limit on single trip policies & cover up to 79 years old for annual multi-trip policies
  • All pre-existing medical conditions considered



Premier policy

All the benefits of the Essential policy and also:

  • Cover if your transport, accommodation or excursion provider goes bust
  • Cover for delays and cancellations after 24 hours caused by for example, bad weather, ash clouds, strikes or if a provider goes bust
  • Up to £1,000 if you miss your pre-booked transport - e.g. if you miss your flight because of a delayed train

Optional Cover

LV= offer two optional covers on both the Essential and Premier policies.

Cover for your baggage/personal belongings and money

If your things get lost or stolen, they will cover your luggage, valuables and other possessions (like skis and golf clubs) up to:

£3,000 with the Premier policy

  • total valuables limit £500
  • single item limit £500

£2,000 with the Essential policy

  • total valuables limit £300
  • single item limit £300

£500 for money (on Premier and Essential policies)

  • up to £300 cash


More information about baggage, valuables and money
Your baggage is:

  • your suitcases/bags and their contents but not your valuables
  • baggage includes sports equipment and mobility aids such as wheelchairs

Examples of valuables include:

  • jewellery and watches
  • glasses and sun glasses
  • all electronic items and their accessories like laptops, phones, games consoles
  • all photographic or recording equipment

Valuables must be kept with you at all times or locked in a safe or in your accommodation.

 

Money:
Your personal money limit of £500 includes £300 cash plus cover for your:

  • travellers cheques
  • admission tickets and pre-paid passes (eg for ski lifts), that have a monetary value

 

Winter sports cover
If you add winter sports to an annual multi-trip policy, you’ll get 17 days’ worth of winter sports cover on the Essential policy and 31 days on the Premier policy.


If things go wrong on your winter sports trip, they will cover you for:

  • emergency medical expenses
  • personal accident
  • personal liability


The sports they cover are:

  • skiing (including big foot, cross-country, mono, glacier and indoor)
  • snowboarding
  • snowblading
  • sledging and tobogganing
  • snowmobiling and skidooing


They will cover you for off piste skiing and snowboarding when skiing within the ski area boundaries of a recognised ski resort and following ski patrol guidelines.


They don't cover:
Bobsleigh or luging, heli-skiing, ski acrobatics, ski flying, ski jumping, ski mountaineering, ski racing, ski randonee, ski stunting, ski touring or snowcat skiing.

Don’t forget to add their optional baggage cover (shown above) if you want cover for your skis or snowboards.

 

 

Important Documents

It's important that you know exactly what you're covered for on your LV= travel insurance policy, so that's why we've provided both the summary of cover and full policy document for you to download and read. When you take out a travel insurance policy, keep your policy documents in a safe place and refer to them if you have to make a claim. You should take your policy schedule and the important telephone numbers on holiday with you.

Travel Insurance Document of Insurance»

Travel Insurance Policy Summary»

Important Information»

 

 

 

Member Comments

Enjoy great rates on Travel Insurance with LV=, here's what our members have to say:

Testimonial

I recently took out travel insurance with Approved Partner LV=. Unfortunately I had to claim due to my sudden ill health. They paid in full without any delay, which helped to stop my anxiety and I was most impressed with the service.

Jenny Key, CSMA Club member

Below you can find the answers to questions you may have about LV= Travel Insurance

1. What should I do if my travel is disrupted (eg: natural disasters or strikes)?

All policies
Before you do anything, always contact your booking agent, tour operator or transport provider first to find out the latest information for your travel arrangements. If the transport has been cancelled, indefinitely postponed or the airport / station / port is closed, you may be told not to go to your departure point.


The Foreign and Commonwealth Office (FCO) may provide information (visit www.gov.uk/knowbeforeyougo). If the FCO advise against travel to a destination your LV= travel policy will not cover you if you then choose to go there. However, you are covered to make a claim for the cancellation of your trip before you travel.


No cover will apply if you take out a policy or book a trip after the disaster has been reported in the media. In all cases, if you’re unsure if you can make a claim, please call the LV= claims line on 0845 640 5194.


Essential policies only
There is no cover provided for any claims arising from delayed departure, cancellation (abandonment) or additional transport and/ or accommodation costs.


Premier policies only
Delayed departure benefit - If you are delayed for more than 12 hours at the place your transport is meant to go from, LV= will pay you £25 for each 12 hours you are delayed (£250 max.).


Cancellation cover - If the departure of your transport is delayed for more than 24 hours or cancelled and this cannot be rearranged for more than 24 hours, cover is provided for costs up to £5,000 if you decide to cancel or abandon your trip.


Additional transport and accommodation cover* - If you decide to continue with your trip after being delayed for more than 24 hours or because your transport was cancelled and no alternative could be found within 24 hours of your original departure time, LV= will reimburse you up to £1,000 for additional transport and accommodation costs (to a similar standard of your pre-booked arrangements) you have to pay to reach your destination or to get home.


Lost accommodation costs* - If you continued with your trip after being delayed for more than 24 hours or your transport was cancelled and no alternative could be found within 24 hours of your original departure time, LV= will reimburse you for each full day (24 hours) that you could not use your pre-booked accommodation.
*Please note that LV= won’t make any payments which are not additional to costs you were expecting to pay, eg if you get a refund and the cost of alternative transport or accommodation is less than the refund.


Full details are in the travel insurance policy documents.


2. What should I do if my travel is disrupted by severe weather?

All policies
Before you do anything, always contact your booking agent, tour operator or transport provider first to find out the latest information for your travel arrangements. If the transport has been cancelled, indefinitely postponed or the airport / station / port is closed, you may be told not to go to your departure point.


If you booked all elements of your trip through a tour operator as a package, you should be able to get a refund for these through them. Some of your costs may not be met if you have booked elements of your holiday separately. As soon as you are aware that you may have to reschedule your trip, you should contact the provider of each element of your trip to see what alternative arrangements can be made.

Essential policies only
There is no cover provided for any claims arising from delayed departure, cancellation (abandonment) or additional transport and/ or accommodation costs.


Premier policies only
Delayed departure benefit - If you are delayed for more than 12 hours at the place your transport is meant to go from, LV= will pay you £25 for each 12 hours you are delayed (£250 max.).


Cancellation cover - If the departure of your transport is delayed for more than 24 hours or cancelled and this cannot be rearranged for more than 24 hours, cover is provided for costs up to £5,000 if you decide to cancel or abandon your trip.


Additional transport and accommodation cover* - If you decide to continue with your trip after being delayed for more than 24 hours or because your transport was cancelled and no alternative could be found within 24 hours of your original departure time, LV= will reimburse you up to £1,000 for additional transport and accommodation costs (to a similar standard of your pre-booked arrangements) you have to pay to reach your destination or to get home.


Lost accommodation costs* - If you continued with your trip after being delayed for more than 24 hours or your transport was cancelled and no alternative could be found within 24 hours of your original departure time, LV= will reimburse you for each full day (24 hours) that you could not use your pre-booked accommodation.


Missed departure - If you are unable to reach your departure point because of severe weather, regardless if you are still in the UK or already on your trip, and you miss your pre-booked transport LV= will reimburse you up to £1,000 for additional transport or accommodation costs you had to pay to reach your destination/ return home.

 
*Please note that LV= won’t make any payments which are not additional to costs you were expecting to pay, eg if you get a refund and the cost of alternative transport or accommodation is less than the refund.


Full details are in the travel insurance policy documents.


3. How do I know if my pre-existing conditions have been covered?

Your policy schedule will show the medical information that you've declared about your pre-existing conditions. If LV= are unable to provide cover for these conditions it will be shown as endorsements that will explain that there is no cover in any way related to the pre-existing conditions or symptoms.


4. What is your definition of a pre-existing medical condition?

The definition of a pre-existing condition is explained in detail under the Important Information about 'Health declarations and health exclusions' in the document of insurance. Basically it's:

  • Any heart condition, breathing condition (including asthma), circulatory condition (including strokes or high blood pressure), gastrointestinal (digestive tract) conditions, bone or joint conditions or any type or form of cancer, regardless of how long ago these were suffered.
  • Any medical condition or ailment an insured person is suffering from or has suffered from in the last 12 months. This includes (but is not restricted to) a condition or symptoms for which:
    - Any investigation, tests, results or advice have been had or are being waited for
    - Treatment or surgery is needed or has been given
    - Prescribed medication has been advised


5. Do you cover pre-existing medical conditions?

Cover for pre-existing medical conditions isn't automatic but can be selected. If cover is needed, all medical conditions for everyone named on the policy must be disclosed. If LV= are unable to provide cover for anyone's specific conditions these will be shown as removed from cover in the endorsement sections of your policy schedule.


LV= may charge you for providing cover for pre-existing conditions. To remove any confusion at the point of claim, they will either be able to provide cover for all of a person's pre-existing conditions or none of them. This means they won't cover some conditions and not others. For this reason it is very important that they are told of all conditions (for everyone on the policy), including symptoms and any investigations. If they are unable to cover a person's pre-existing conditions the premium will reflect that this cover has been removed.


6. What is the maximum age limit?

Annual multi-trip policy is available for purchase by anyone who is over 16 years and under 80 years of age. Single trip policy is available for purchase by anyone over 16 years of age - there is no upper age limit on single trip policy.


If you're under 65 years of age, single trip policy can cover you for up to 366 days. If you're 65 years of age or over, single trip policy can cover you for up to 90 days.


These age limits and policy restrictions apply to both the Essential and Premier levels of cover.


7. What if the FCO advises against travel to my holiday destination while I'm there?

Cover is provided to cut short a trip only if the FCO advice is to leave the area you are booked to stay in. But there's no cover under the policy for cutting your trip short if the FCO advise against travel to that destination. If this situation arises and you need assistance, please contact the 24 hour assistance helpline.


8. Can I change my single trip policy to an annual policy?

No, you can't change the type of policy that has been set up. The only way to change the policy is to cancel the original one and set up a new one. This must be done within 14 days of you receiving your policy documents for a refund to be given, and only applies to single trips with a cover period of more than 28 days.

Contact Numbers:

Renewals
To make any amends or to renew your policy call the LV= service team on 0800 022 3870

Pre-Travel Advice Line
If you need any assistance or have queries before you travel, call the LV= team on 0845 640 5192

Emergency 24hr Assistance
You must tell LV= immediately if you are taken into hospital or you think you may have
to come home early or extend your journey because of illness or injury.

Outside the UK    +44 1243 621 537

Within the UK        01243 621 537

Opening hours
LV= travel insurance sales and service lines are open:

Sales and customer service enquiries:

8am - 9pm         Monday to Friday
8am - 5pm         Saturday
9am - 5pm         Sunday and bank holidays

Claims
If you need to make a claim, call the LV= claims team on 0845 640 5194

8am – 8pm     Monday to Friday
8am – 4pm     Saturday
24hr emergency assistance (see above)

For Textphone call 18001 followed by the advertised number.
Calls may be recorded for training and audit purposes.

You can also write to LV= at the following address:

LV=
County Gates
Bournemouth
BH1 2NF

LV= and Liverpool Victoria are registered trade marks of Liverpool Victoria Friendly Society Limited and LV= and LV= Liverpool Victoria are trading styles of the Liverpool Victoria group of companies. Liverpool Victoria Insurance Company Limited, registered in England and Wales number 3232514 is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, register number 202965. Registered address: County Gates, Bournemouth BH1 2NF. Tel: 01202 292333