Travel insurance
Going away? Take our Defaqto 5 Star rated travel insurance with you**Defaqto 5 Star rated Premier policy
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• EHIC and GHIC
• Travel disruption and restrictions
Travel insurance with coronavirus cover
We’ve made some important changes to our cover for new customers and existing customers renewing with us.
Here's some of the examples we cover:
- If your trip or holiday has to be cancelled because you or a travelling companion are diagnosed with any coronavirus (including COVID-19) or contagious disease and are unable to travel
- Emergency repatriation costs to bring you home if the Foreign, Commonwealth and Development Office (FCDO) impose travel restrictions (while you're at your destination), either in the UK or at your destination, and has requested you to return to the UK
- Medical and repatriation costs if you become unwell with any coronavirus (including COVID-19) or contagious disease
Here's some of the examples we don't cover:
- Costs because you decided to cancel your trip or holiday if you don’t want to travel due to any coronavirus (including COVID-19) or contagious disease
- Costs because the FCDO or public authorities have imposed travel restrictions or a lockdown
- Additional transport or accommodation costs after you left home because the FCDO imposed travel restrictions or lockdown either in the UK or at your destination.
What our jet-setting customers say about our travel insurance cover
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Existing customers
Need to make a claim, change or renew your policy?
Why choose LV= travel insurance?
Whether you're going on a staycation, teeing off or chilling by the pool, we've got your back
Our travel cover includes...
- Up to £10,000 cover if you have to cancel your holiday, e.g. because of illness
- 24-hour UK-based helpline if you need us while you’re away
- 10% discount when you buy our travel insurance online
What's covered with our travel and holiday cover?
We’ll deal with what could go wrong - all you need to do is remember your passport
(And a good book, obviously)
You don’t know how good you insurance company is until you make a claim and with LV I’ve always had good service when claiming on my House,Car and Travel policies.
- We provide cover to travellers over 65 (life begins at 60, after all)
- Going in a group? No worries, we can insure up to ten people on one policy
Choose between our Essential and Premier cover options. With our Essential cover you'll get all this included as standard:
- Up to £10million of emergency medical cover, if you need it
- Up to £5,000 if you have to cancel your holiday, cut it short, or cancel activities / excursions for a reason that wasn’t your fault, eg due to illness
- And cruise cover is included all aboard our annual policies. Happy sailing!
If you choose our Defaqto 5 Star rated Premier policy you'll get all of the above and:
- Cover for delays and cancellations after 24 hours caused by, for example, bad weather, ash clouds or strikes – the things we can’t control
- Up to £1,000 if you miss your pre-booked transport – e.g. if you miss your flight because of a delayed train (it happens)
- Your cancellation cover is also boosted to £10,000
More about LV= travel insurance
Cover options
However you travel, we've got you covered
Single trip
Big summer holiday planned? This cover is ideal if you're only going away once this year. We’ll cover you for a single trip of up to:
- 366 days if you’re under 65 years of age, 90 days if you’re between 65 and 79 years old and 31 days if you’re aged 80 or over
Annual multi trip
Multitude of mini breaks lined up? This cover is ideal if you're going away twice or more this year and could save you time and money.
We'll cover you:
- Up to 90 days away at a time
What factors can affect the price I pay?
Many factors can affect the price you pay. Remember, sometimes the cheapest travel insurance may not offer the most comprehensive cover. Here's what we take into account:
- Where you're travelling to. If you're going abroad, you'll likely need to pay a bit more for your cover than if you're caravanning in Cardiff.
- How long you're going for. When you go on longer holidays, your travel insurance is likely to be more expensive.
- Who you're travelling with. Insurers will consider the age and medical history of everyone in your group.
- Medical conditions. You're likely to pay less for your insurance if you don't have a medical condition.
- What activities you'll be doing. It normally costs a bit more to cover certain activities - like skiing and other winter sports.
- Currency fluctuations. When the pound is weak against foreign currencies, it costs insurers more to settle claims with companies or services based overseas.
- The rising cost of medical treatments. Medical expenses can cost hundreds of thousands of pounds in other countries.
- What's going on in the world. Factors outside your control like COVID-19 (coronavirus) or natural disasters will often impact the price of your travel insurance.
- Legislative changes. Governmental changes to taxation will also push up the price of your travel insurance.
Are you struggling to find the cover you need because of an existing medical condition?
If we can't cover your medical condition, or the premium is higher than you expected, help is still available…
The Financial Conduct Authority (FCA) have worked with firms to create a Medical Cover Firm Directory. The directory lists all the firms that may be able to provide a policy to cover your medical conditions.
You can find this directory on the Money Advice Service's website, or give them a call on 0800 138 7777. Open hours Mon - Fri 8am to 6pm.