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Helpful travel tips to know before you go

Hints and tips to make your holiday plain sailing

Yellow travel hints book

We want you to enjoy your holiday and feel reassured that the travel insurance you bought is enough cover for your needs.

Before you go it's important to know what you are and aren't covered for.

Make sure you leave plenty of time to catch your flight, train or ship

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It's really important that you know your travel times and leave plenty of time to get to the airport, station or port. Think about traffic and what time of day you're travelling. If you give yourself enough time to get there, you'll be a lot more relaxed before you travel.

LV= Premier travel insurance does cover you if you miss your pre-booked transport (for example, your flight or train journey). We cover additional costs up to £1,000 for each insured person named on your schedule. You have to pay out for transport or accommodation to reach your destination or get back home. Some of the covered reasons are listed below

  • the public transport (including scheduled flights) doesn’t run to its timetable
  • an incident occurs on the road that you're travelling on to get to the airport, port or station your pre-booked transport is due to leave from, which results in a severe delay that isn't possible to avoid
  • the vehicle you’re travelling in is involved in an accident or breaks down
  • severe adverse weather conditions

If you do break down, we will need evidence of this from your breakdown provider. If your train is delayed, please get a letter from the station to confirm the delay.

There are some examples of when you claim from your airline directly if your flight is delayed. More information is available on The Civil Aviation Authority (CAA) website.


Only taking hand luggage? Take a small bag for valuables

Did you know if you put valuables in your checked-in hand luggage and it is then lost or stolen, your valuables aren't covered?

If you're jetting off for a weekend away, you may decide to just take hand luggage on the plane with you. But if the overhead lockers are full, you may be asked to store your bag in the hold.

LV= travel policies will cover loss, theft or damage to laptops, tablets/iPads, DVD players and mobile phones over a certain size when checked in by customers if requested by the airline. A report or form from the airline will be required.

It's a good idea to take a small bag as well as your hand luggage, so you can keep your valuable belongings, like your laptop, electricals and jewellery with you at all times.

Small brown satchel and a red handbag icon

A bottle of water sealed in a plastic zip lock bag

Pack suntan lotion or bottles in a plastic bag

Those clear plastic bags they give you at airports aren't just useful for the cosmetics in your hand luggage.

Pack any bottles, liquids or suntan lotions into sealed plastic bags to stop unwanted spills or leaks into your suitcase.

If a leaking bottle causes damage to any of the contents of your case, you won't be covered.


Keep your bags with you at all times

It's important that you don't leave your bags unattended.

  • Keep bags locked away in your holiday accommodation, out of sight in the boot of a locked car, or however your transport provider's security policy requires you to store them
  • If something's stolen, you need to report the loss to the local police within 24 hours of discovery of the incident and obtain a written report from them. We won't be able to cover any theft if you don't.
  • Loss also needs to be reported, within 24 hours, to the appropriate person at your travel or accommodation. For example if on a flight, this will be the airline carrier or if at a hotel, to the concierge or hotel manager.
Brown suitcase left unattended

Before you travel, check that your gadgets, valuables and other high value items are covered by your home insurance. If you have selected baggage/personal belongings cover, the maximum we pay out on your Essential travel insurance for valuables is £300 and on your Premier travel insurance, £500.

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