Travel insurance

Going away? Take our Defaqto 5 Star rated travel insurance with you*

*Defaqto 5 Star rated Premier policy

Get a travel quoteYour saved travel quote

Why choose LV= travel insurance?

From around the world trips, to city breaks and even golf holidays, we've got you covered.

Our flexible, affordable travel insurance covers you for delayed flights, cancelled holidays and any lost luggage in between. Choose from our essential or premier policies to find the cover for you

Quick response to enquiry. Reasonable costs. Discount because we have vehicle policies with LV

Our essential policy includes all of this as standard:

  • A 10% discount when you buy our travel insurance online
  • Up to £10million emergency medical cover
  • Travel insurance with coronavirus cover
    We'll cover your medical and repatriation costs if you fall ill with coronavirus (COVID-19). Find out what's covered with our coronavirus cover

  • Up to £5,000 holiday cancellation cover
    If you have to cancel your holiday, cut it short or cancel any activities/excursions for a reason that wasn't your fault e.g. due to illness
  • No upper age limit on travel
    We provide cover to travellers over 65 (life begins at 60, after all) 
  • 24-hour UK-based helpline if you need us while you’re away
    You can also make a claim 24/7 online 
  • Group and family travel insurance
    We'll insure up to ten people on one policy 
  • All pre-existing medical conditions considered
    Including diabetes and high blood pressure. Just tell us when you take out your policy
  • Cruise cover included as standard
    With our annual policies. Happy sailing! 

If you choose our Defaqto 5 Star rated Premier policy you'll get all of the above plus all all of this:

  • Cover for delays and cancellations after 24 hours
    Including bad weather, terrorism, drones, ash clouds or strikes – all the things we can’t control
  • Up to £1,000 if you miss your pre-booked transport
    Like missing your flight because of a delayed train (it happens!)
  • Up to £10,000 cancellation cover
    If you have to cancel your holiday, cut it short or cancel activities/excursions for a reason that wasn't your fault e.g. due to illness
Quick response to enquiry. Reasonable costs. Discount because we have vehicle policies with LV

Travel insurance with coronavirus cover

We’ve made some important changes to our cover for new customers and existing customers renewing with us.

Some examples of what we'll cover:

  • Medical and repatriation costs if you become unwell with any coronavirus (including COVID-19) or contagious disease
  • 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

Some examples of what 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.

See how our travel insurance compares

Travel insurance provider LV= Admiral  Axa Direct Post Office Money
Level of cover used for comparison Premier
Platinum
Gold  Premier
Defaqto 5-Star rated yes yes
yes yes
Online discount available yes yes
No
No
Cancellation limit £10k £5k £5k £5k
Personal liability excess £0 £50 £50 £50
Lost or stolen valuables £500 £400 £500 £300
Lost driving licence £500 £500 £500 £400

More about LV= travel insurance

Frequently asked questions

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.

awards and recognition

Travel with us and you're in safe hands 

  • Defaqto 5 Star rated Premier policy 

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Now sit back, relax and start your quote