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Travel insurance glossary

Travel insurance terms explained and jargon buster

Silhouette of a woman sitting on a hammock on a beach watching the sunset

Sometimes the terms we use when we talk about our travel insurance have specific meanings that may not be obvious to you. So here we've tried to explain some of the travel insurance jargon to help you make sense of the words.

Adventure activity

Adventure activities are listed under the Activities section of your policy. These activities are only covered if you have a Premier policy. If the activity you want to do is not listed please contact us with the details, as we may be able to cover you to do it.

Annual travel insurance (Multi trip insurance)

For annual multi-trip cover:

  • there is no limit on the number of trips that you take during the period of cover
  • any trip that is booked to last longer than 31 days is not covered on the Essential policy
  • any trip that us booked to last longer than 90 days is not covered on the Premier policy.

Area of cover

UK

England, Scotland, Wales, Northern Ireland, Isle of Man and the Channel Islands

Europe

Albania, Andorra, Austria, Azores, Balearic Islands, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Canary Islands, Channel Islands, Croatia, Cyprus, Czech Republic, Denmark, Egypt, England, Estonia, Finland, Former Yugoslav Republic of Macedonia, France, Germany, Gibraltar, Greece, Greek Islands, Hungary, Iceland, Ireland, Isle of Man, Italy, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Northern Ireland, Norway, Poland, Portugal, Romania, Russia west of the Ural mountains, San Marino, Scotland, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey, Ukraine, Wales and Vatican City State.

Worldwide excluding North and Central America, Caribbean and Bahamas

Anywhere except the following places: Anguilla, Antigua, Aruba, Bahamas, Barbados, Barbuda, Belize, Canada, Cayman Islands, Caribbean Islands, Costa Rica, Cuba, Curacao, Dominica, Dominican Republic, El Salvador, Grand Cayman, Grenada, Guadeloupe, Guatemala, Haiti, Hawaii, Honduras, Jamaica, Martinique, Mexico, Montserrat, Netherlands Antilles, Nicaragua, Panama, Puerto Rico, Saint Barthelemy, Saint Eustatius, Saint Kitts and Nevis, Saint Lucia, Saint Martin, Saint Vincent and the Grenadines, Trinidad and Tobago, Turks and Caicos Islands, United States of America, Virgin Islands (British and United States).

Worldwide

Anywhere in the World.

Baggage

Each of your suitcases, trunks and similar containers (including their contents), possessions and items you wear, carry or use, that are taken on or purchased during a trip by you, but not valuables (which are defined below). Baggage includes sports equipment such as golf clubs, winter sports equipment, scuba equipment and mobility aids such as wheelchairs.

Cancellation cover

It's main purpose is to provide cover for costs you've paid if you have to cancel a trip because of the sudden and unexpected illness of you, a close relative or travelling companion.

For single trip cover - cancellation cover begins from the cover start date shown on your schedule and ends when you start your trip.

For annual multi-trip cover - cancellation cover begins on the cover start date shown on your schedule or the date you booked your trip, whichever is later, and ends when you start your trip.

Children

A child is any insured person, other than the policyholder and the policyholder's spouse or partner, who is aged 21 years or under and named on the schedule. Children are automatically covered if travelling with the policyholder, the policyholder's spouse or partner, or an adult (aged 22 years or over) insured by the policy, or as part of an organised school, university or club trip accompanied by a responsible adult. Children aged 16-21 years can be covered when travelling unaccompanied if you select this option and it's shown on your schedule.

Claim

You make a claim when you ask your insurer to pay you the sum of money that is owed to you under the terms of your insurance policy.

Colleague

A colleague is a person in the UK who works for the same company as you and who, if away from work at the same time as you, would prevent the business from running properly. A director of the company must be able to confirm this in the event of a claim.

Cooling-off period

A cooling off period is the time you have to change your mind when buying insurance or other financial products or services. The actual time varies, so check your policy details.

Cutting short your trip (Curtailment)

If you have to cut short your trip and return home earlier than planned, the main purpose of this cover is to reimburse you for costs you've paid if you have to cut your trip short because of the sudden and unexpected illness or injury of you, a close relative or travelling companion.

If you think you may have to cut your trip short, please tell us immediately by calling the 24 hour emergency medical assistance line. If you return home without having contacted us, we may not be able to pay your claim. Please check the policy for full details.

Defaqto

Defaqto are a leading UK independent financial research company, specialising in rating, comparing and analysing financial products. Defaqto delivers timely and accurate information to all layers of the financial services sector including banks, insurers, advisers, comparison web sites, regulatory agencies and consumers.

Doctor

A legally qualified medical doctor who holds the necessary medical certificates needed in the country in which they are practising. This can't include you, a travelling companion, someone you work with or a relative.

Emergency medical expenses

Is to provide cover for unexpected emergency medical treatment costs and to arrange to get you back home if you're too unwell to continue your trip (please note that emergency medical treatment costs are not available if you only have UK cover because the NHS will cover these). No cover is provided if you're travelling to receive treatment or get medical advice or if you know you'll need treatment while you’re away.

Check your policy for the full terms and conditions.

European cover

See 'Area of Cover'

Excess

The excess is the amount you must pay towards a claim before we'll make any payment and are shown on your policy schedule. If you have an Essential policy, we won't pay the first £75 of your claim. If you have a Premier policy, we won't pay the first £50 of your claim. This amount applies to each insured person but does not apply to all sections of the policy. Please refer to your policy for the full terms and conditions.

Exclusions

Exclusions are things that your insurance won't cover such as fraud. Please refer to your travel document of insurance for full details of your policy’s general exclusions.

Foreign & Commonwealth Office (FCO)

No matter which destination or area of cover you select when you buy your policy, your LV= travel insurance will not cover you if you travel to somewhere the Foreign and Commonwealth Office (FCO) advise not to go to. Information from the FCO can be found at www.gov.uk/government/organisations/foreign-commonwealth-office or by calling 020 7008 1500.

Advice from the Foreign and Commonwealth Office is available to help you prepare for travelling abroad. Spending some time reviewing and planning your trip by looking at the information on their Travel Aware page can help you stay safe and healthy while you're away.

Insurer

An insurer is a provider of insurance. As an insurer, our details are: Liverpool Victoria Insurance Company Limited, registered in England and Wales number 3232514, 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.

Legal action

Legal action means settlement negotiations, hearings in a civil court, arbitration and any appeals resulting from such hearings that we've agreed to. This doesn't include any application by you to the European Court of Justice, European Court of Human Rights or similar international body.

Legal costs

Legal costs are fees, costs and expenses (including Value Added Tax or equivalent local goods and services taxes) that we agree to pay for you in connection with legal action. Also, any costs that you're ordered to pay by a court or arbitrator (other than damages, fines and penalties) or any other costs we agree to pay.

Optional extra

An optional extra is an additional feature, such as cover for winter sports or baggage, personal belongings and money, that you may wish to buy when you take out your policy.

Partner or domestic partner

A partner is your husband, wife, civil partner or someone you're living with as if you're married to them.

Period of cover

For single trip cover

Cancellation cover begins from the cover start date shown on your schedule and ends when you start your trip.

For all other sections, cover starts at the beginning of your trip and finishes on the cover end date shown on your schedule, or when your trip ends if that is earlier.

If you can't finish your trip as planned because of death, injury or illness or there is a delay to the public transport system that can't be avoided, we’ll extend cover free of charge until you can reasonably finish your trip.

For annual multi-trip cover

Cancellation cover begins on the cover start date shown on your schedule or the date you booked your trip, whichever is later, and ends when you start your trip.

For all other sections, cover starts at the beginning of your trip and finishes at the end of your trip.

All cover ends on the cover end date shown on your policy unless you can't finish your trip as planned because of death, injury or illness or there is a delay to the public transport system that can't be avoided, in which case we'll extend cover free of charge until you can reasonably finish your trip.

Personal accident cover

Personal accident cover insures you against certain accidents resulting in the loss of sight, loss of limbs or total permanent disablement.

Policy

Your policy is a formal, legally-binding contract of insurance that includes the terms of your cover.

Policy term

The policy term is how long the policy runs; in other words, the period you're covered for.

Policyholder

The person named as the policyholder on the schedule.

Pre-existing medical condition

If at any point in your life, you have suffered from:

  • a heart condition
  • a breathing condition such as asthma
  • a circulatory condition such as strokes or high blood pressure
  • a gastrointestinal or digestive tract problem
  • a bone or joint condition
  • any form or type of cancer

If in the last 12 months you have had, or been recommended to have, any:

  • medical investigation or tests for any conditions or symptoms that relate to a diagnosed condition
  • treatment or surgery for any conditions or symptoms that relate to a diagnosed condition
  • prescribed medication for any conditions or symptoms that relate to a diagnosed condition.

Premium

A premium is the amount you pay for your policy and includes Insurance Premium Tax (IPT).

Relative

A relative is your mother (in-law), father (in-law), step parent (in-law), legal guardian, sister (in-law), brother (in-law), wife, husband, son (in-law), daughter (in-law), step child, foster/adopted child, grandparent, great grandparent, grandchild, great grandchild, uncle, aunt, nephew, niece, cousin, partner (including common law and civil partner) or fiancé(e).

Renewal date

A renewal date is the date that your policy will renew and you have agreed to pay the appropriate premium to continue with the cover, unless you contact us before this date to cancel the policy.

Renewal notice

A renewal notice is an invitation we send to you at least 21 days before your annual policy is up for renewal and due to expire.

Schedule

Your schedule includes the:

  • cover level chosen
  • period of cover
  • area of cover
  • name of the policyholder and additional travellers (if applicable)
  • optional cover (if chosen or excluded)
  • any medical conditions that may vary the terms of your insurance

Single trip travel insurance

Single trip travel insurance, also known as single trip holiday insurance, means cover for just one holiday. A trip can't be more than 366 days if you are less than 65 years of age or more than 90 days if you are 65 years of age or over. Your trip is from the trip start date to the cover end date shown on your schedule. If you return home before your cover end date, all cover will also end.

Ski equipment

Ski equipment includes skis, bindings, poles, boots, or snowboards.

Ski pack

A ski pack is hired ski equipment, pre-booked ski school fees and lift passes.

Terrorism

Terrorism is an act or threat of action by a person or group of people, whether acting alone or in connection with an organisation or government, committed for political, religious, ideological or similar purposes intended to influence any government or to frighten the public or any section of it. An 'action' means: violence, damage to property, putting life in danger, creating a public health risk, or disrupting electronic systems or transport services.

Travelling companion

A travelling companion is a person who's booked to travel with you on your journey.

Trip

A journey that takes place during the period of cover which begins when you leave home and ends when you get back home, or to a hospital or nursing home in the United Kingdom, whichever is earlier. Trips within the United Kingdom must have either pre-booked accommodation, or be more than 25 miles from your home, or involve a sea crossing.

For single trip cover

  • a trip can’t be more than 366 days if you are less than 65 years of age or more than 90 days if you are 65 years of age or over. Your trip is from the trip start date to the trip end date shown on your schedule
  • if you return home before your cover end date, all cover will also end.

For annual multi-trip cover

  • there is no limit on the number of trips that you take during the period of cover
  • any trip that is booked to last longer than 31 days is not covered on the Essential policy
  • any trip that is booked to last longer than 90 days is not covered on the Premier policy

Valuables

Jewellery, watches, glasses (including sun glasses), contact lenses, keys, hearing aids, any electric, electrical or electronic items or equipment including their accessories (e.g. mobile phones, laptops, games consoles, portable audio equipment, portable visual equipment, memory sticks, chargers, dongles), any kind of photographic or recording equipment and their accessories (including CDs, DVDs, tapes etc), items made of or containing precious metals or (semi) precious stones, furs, animal skins, antiques, binoculars, telescopes, musical instruments.

This cover has limits that may not be enough for expensive items such as photographic or video equipment. Our Premier policy provides up to £500 cover for your valuables and our Essential policy gives you up to £300 cover. Valuables must be kept with you at all times or locked in a safe or in your accommodation.

Winter sports

Winter sports can be added as an optional extra to your annual multi-trip policy for 17 days' worth of cover on the Essential policy and 31 days on the Premier policy.

By adding winter sports to a single trip policy, we'll cover you up to 31 days, if you need cover for longer please call us to discuss your requirements

The winter sports we cover are:

  • Skiing (including big foot, cross-country, mono, glacier and indoor)
  • Snowboarding
  • Snowblading
  • Sledging and tobogganing
  • Snowmobiling and skidooing

We 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.

Sorry, but we don't cover bobsleigh, skeleton bobsleigh or luging, heli-skiing, ski acrobatics, ski flying, ski jumping, ski mountaineering, ski racing, ski randonee, ski stunting, ski touring or snowcat skiing.

If things go wrong on your winter sports trip, we'll cover you for:

  • Emergency medical expenses* if you fall ill on your trip
  • Accidents, like breaking your arm while skiing
  • Personal liability, which you may need if you have an accident that involves other people or their property

* Medical expenses are subject to pre-existing conditions being screened and accepted

Worldwide cover

See 'Area of Cover'

You or your or the insured person

Each person shown on the schedule, for whom the appropriate insurance premium has been paid.

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