Key Features

There 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.

• Up to £10m cover for emergency medical expenses
• Up to £5,000 if you need to cancel your trip before you travel because of unexpected illness
• No upper age limit on single trip policies & cover up to 79 years of age on annual multi-trip policies
• Trips 366 days long can be covered on a single trip policy (90 days maximum if you’re 65 years or older)
• Trips up to 90 days long automatically covered on the Premier policy (31 days on Essential)

 With Premier cover you get the extra reassurance of:

• Cover if the actual provider of your transport, accommodation or excursion goes bust before or during your trip
• Cover for any delays outside of your control
• Cover for missed departures throughout your trip

Optional Cover

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

Cover for your baggage/personal belongings and money
Add baggage/personal belongings cover to your travel policy and you’ll be covered if you lose or damage your possessions. You’ll be covered for up to £3,000 on the Premier policy and £2,000 with the Essential policy.

The single item limit and total valuables limit are £500 on the Premier policy and £300 on the Essential policy. Your cash is covered up to £300 with a total money limit of £500 on both policies.

You’ll also be covered to buy replacement toiletries, medication and clothing if your baggage is delayed for more than 12 hours up to £250 on the Essential policy and £500 on Premier.

And there’s cover if you lose your passport or driving licence.

Going to be doing any winter sports?
Add cover for winter sports if you’re going to be skiing, snowboarding or snowblading to be covered if you have an accident or get ill, as well as for your personal liability.

Don’t forget to select cover for baggage/ personal belongings if you want your winter sports equipment covered, it covers your hired equipment too.

If you want cover for your baggage/personal belongings including your skis and any other winter sports equipment, please add the optional baggage/personal belongings and money cover to your policy.

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»

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

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 our Travel Insurance

1.    How do I know if my pre-existing conditions have been covered?
Your policy schedule will show all the information that you've declared about your pre-existing conditions. If we're unable to provide cover for these this will be shown as endorsements that will explain that there is no cover in any way related to the pre-existing conditions or symptoms and will state the section of the policy the restrictions apply to. The endorsements can be found on your policy schedule.

2.    What is your definition of a pre-existing medical condition?
Our definition of a pre-existing condition is explained in detail under the ‘Health declaration and health exclusions in the document of insurance . Basically it is:
•    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 of cancer, regardless of how long ago these were suffered or;
•    a medical condition or ailment that an insured person is suffering from or has suffered from in the last 12 months

3.    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 we’re unable to provide cover for anyone’s specific conditions these will be shown as removed from cover in the endorsement sections on your policy schedule.

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

4.    Do I need to take my travel insurance documents with me on holiday?
We suggest that you do take a copy of your policy documents with you on your trip. At the very least, please take both your policy number and the 24 hour assistance telephone number so we can help you should an emergency arise.

5.   What is the maximum age limit?
The annual multi-trip policy is available for purchase by anyone who is over 16 years and under 80 years of age. The single trip policy is available for purchase by anyone over 16 years of age - there is no upper age limit on the single trip policy. If you're under 65 years of age, the single trip policy can cover you for up to 366 days. If you're 65 years of age or over, the single trip policy can cover you for up to 90 days.

Contact LV=

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 us 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.
We may record and/or monitor your calls for training and audit purposes.

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

LV=
County Gates
Bournemouth
BH1 2NF

LV= is a registered trade mark of Liverpool Victoria Friendly Society Limited is a trading style of the Liverpool Victoria group of companies. Liverpool Victoria Insurance Company Limited, registered in England and Wales number 3232514 is authorised and regulated by the Financial Services Authority, register number 202965. Registered address: County Gates, Bournemouth BH1 2NF