LV Travel Insurance Review

Mr. Travel

Everything you need to know before you buy travel insurance from LV!

The experts say:

If you're looking for the ultimate in travel insurance coverage, you can't go wrong with LV's Premier policy. With superior Covid cover, a whopping £10 million of medical expenses cover, included airline failure protection, and up to £3,000 of baggage cover, they really have got you covered whatever your destination. And when it comes to medical claims, their excess is among the lowest at just £90. It's no wonder they've been rated 4 stars by Fairer Finance - this policy is certainly one to consider!

What LV customers are saying right now:

  • 🤩 LV offers competitive prices and discounts for existing customers
  • 😃 The website is easy to use and straightforward
  • 👍 E-mail correspondence was great
  • 🤗 High trustpilot rating of 4.6
  • 😊 Ability to elect to use main agent if ever the need arises
  • 🤬 LV tries to increase premiums midway through the policy despite customers doing everything right.
  • 😡 They charge fees for cancelling on a pro-rata basis.
  • 🤯 No one takes responsibility and customers are met with "computer says no".

LV customer reviews summary

LV Travel Insurance has been praised for its competitive pricing, easy-to-use website and comprehensive coverage options. Customers have reported that the process of cancelling and renewing policies was straightforward, and they were able to receive discounts for having multiple policies with LV. Despite these positive reviews, some customers have experienced difficulties when making a claim, with third party companies often being involved between the customer and LV itself. Overall, LV Travel Insurance scores an 8 out of 10 for its competitive pricing and reliable service.

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HelloSafe » Travel Insurance » Reviews by Travel Insurance Companies » LV Travel Insurance

LV Travel Insurance Review and Quotes

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Table of Contents

It might be the least exciting thing about your journey. But travel insurance is a must-have when it comes to getting assistance from the other side of the world.

Are you aware of this and are here to know whether LV is the right company to go on holidays with?

In this definitive LV review, we will tell you everything you need to know about their travel insurance policies: coverage options, prices, contact details, cancellation or claim process and much more. Let’s dive in!

Is LV the best travel insurance for you?

Always just going for the cheapest travel insurance might not be the best option when it comes to getting assistance or a refund abroad.

At Safe, we strive to help any people travelling from the UK to get the best travel insurance to leave home with complete peace of mind. This is why we’ve dug into LV travel insurance policy booklet and attributed our own neutral rating based on five weighted criteria as shown below.

4 Safe overall rating for LV

LV travel insurance reviews by expert and consumers

To check if LV is the right travel insurance for you, you can use our free travel insurance comparison tool and get quotes from main travel insurance companies in a few seconds only. 100% anonymous and free.

Find the best travel insurance in just a few seconds!

What does LV travel insurance cover?

LV travel insurance offers different travel insurance covers to suit any traveller needs, whether you’re leaving for three days alone in Scotland or six months in Antarctica with your partner or whole family.

LV Travel Insurance policies are available for individuals, couples, groups and families.

LV single-trip and annual multi-trip travel insurances

You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at LV:

LV winter sports travel insurancet

The winter sports travel insurance is usually an option that you can take on top of your single or annual multi-trip policy.

Optional Winter Sports Cover is available across 2 levels: Essential and Premier at LV Travel Insurance and it comes with the following benefits:

  • Up to £2 million personal liability cover
  • Up to £25,000 personal accident cover
  • Up to £10 million emergency medical cover
  • Up to £10,000 for unused pre-booked winter sports tuition due to bad weather
  • Up to £10,000 for unused pre-paid lift pass
  • Hired winter sports activities (while not in use) will only be covered if you take additional baggage cover.

What are the other travel insurance options available at LV?

Due to Brexit, some outbound flights from international airports might be delayed or cancelled. We would advise you to call LV before travelling and make sure you get the right compensation amount for your flight or journey if it is cancelled or delayed as well as for Schedule Airline Failure Cover.

How much is LV travel insurance?

You'll find below indicative quotes per level of cover at LV:

It is, however, quite difficult to give precise price ranges as LV travel insurance policy quotes will depend on a range of factors such as:

  • Your age at the time of travelling
  • The length of your stay
  • Your trip destination (Europe, North America, Worldwide)
  • The period you wish to be covered for (single trip, annual multi-trip, extension)
  • If you need specific insurance (cruise, ski, backpackers, gadget cover)
  • Your medical condition before travelling
  • Who is travelling with you (on your own, as a couple, as a family).

Can I get travel insurance discounts or promo codes at LV?

10% discount available when booking online.

Use our travel insurance comparison tool to be aware of latest promo codes and vouchers available at LV.

What else should I know about LV travel insurance?

What are the general exclusions at lv travel insurance.

General exclusions when purchasing a travel insurance policy at LV are as follows:

  • Your trip has already started at the time of purchase of policy
  • Travelling to a destination where the Foreign and Commonwealth Office (FCO) has advised against ‘all travel’ or ‘all but essential travel’
  • Consumption of too much alcohol that affects your judgement
  • Taking part in an activity that has not been listed among activities covered as standard
  • Going on a cruise without a cruise cover
  • Taking part in any manual work
  • Your property being held, delayed or confiscated by customs officials or any other authority.

How do I get travel insurance quote from LV?

Nothing easier. Use our 100% online travel insurance comparison tool to compare all policies in just a few seconds, without giving any personal details. If LV is the right one for you, then just click on get quote and you'll be automatically directed through the company's sale channel.

Good to know

Shopping around while shopping for personal insurance and not auto-renewing is always the best way to get the best deal and benefit from new customers discounts.

How do I log in to LV website?

There is no login on the LV= Travel Insurance website.

How to claim at LV travel insurance?

There are 3 ways to make a claim and that is either through a phone call, online or by sending a letter.

How do I contact LV travel insurance?

Lv contact phone numbers, lv other contact details, how to cancel your annual lv travel insurance policy.

You will find below main information to cancel your travel insurance policy at LV:

Our opinion on LV travel insurance

Liverpool Victoria is one of the leading insurance companies in the UK and is authorised and regulated by the Financial Conduct Authority as well as the Prudential Regulation Authority (PRA).

They offer Single and Annual Multi Trip Policies across 2 levels of cover: Essential and Premier. Their Premier level of cover has a 5 star rating on Defaqto.

Unfortunately, aside from the main insurance covers and the optional additional covers such as the Winter Sports and Cruise covers, LV doesn't any other type of travel insurance such as Backpacker or Longstay.

We would recommend LV's travel insurance to anyone looking a simple travel insurance cover that is affordable.

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications. In this sense, his role leads him to carry out steering and support work with all HelloSafe editors and contributors so that the editorial line defined by the company is fully respected. and declined through the texts published daily on our platforms. As such, Alexandre is responsible for implementing and maintaining the strictest journalistic standards within the HelloSafe editorial staff, in order to guarantee the most accurate, up-to-date information on our platforms. and expert as possible. Alexandre has in particular undertaken for two years now the implementation of a system of systematic double-checking of all the articles published within the HelloSafe ecosystem, able to guarantee the highest quality of information.

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Travel insurance - how to compare

When going on a trip, appropriate travel insurance is crucial so that you are maximally protected in unforeseen circumstances and can feel safe during the entire trip.

Mode of transport

When looking for the most suitable travel insurance , you must first understand what transport you will use to get to your chosen destination: shall I go by plane, car or perhaps some other means of transport?

If you choose to go abroad by plane, it is important that the insurance includes the risks of flight cancellation and delay and that the luggage is insured when checked-in with the airline. This way you will avoid unpleasant surprises when you receive your belongings at the destination airport.

When looking at multiple offers, it is also noteworthy to understand such aspects as, for example, when a flight is considered delayed, what is considered luggage in the specific company’s rules, and what will be compensated if the luggage is lost or delayed. To give an example, BTA considers that a flight is delayed if it is for at least 4 hours late, but the luggage is considered delayed if it is for at least 2 hours late. You should also review the limits of each risk, namely, the sum that will be indemnified in a specific situation.

Here you can see a comparison between BTA and other insurance offers available in Latvia (8-day long trip, arriving at the destination by plane). BTA offers not only high quality of service, but also the best price!

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Of course, you should also protect your luggage if you plan to travel in your own car because items are often stored in the car without supervision. If you plan to take a computer with you, for instance, you should definitely compare the rules of different companies and make sure that the insurance covers this type of equipment. If the customer keeps the luggage, the BTA travel insurance coverage includes not only shoes, clothes and hygiene products but also a phone, computer, tablet and additional accessories for these devices.

Some potential travel risks

If you plan to spend time on the trip not only lounging on the beach or going for a short walk but also engaging in higher-risk activities, it is necessary to compare the offers to see if this activity is included and insured. When the customer selects high-risk activities, BTA insurance covers skiing and snowboarding, mountain hiking up to a height of 4500 m above sea level, mountain biking, surfing and many other activities.

Not everything always goes according to plan. We understand that. Therefore, travel insurance usually covers trip cancellation. However, for the trip cancellation risk to be valid, you must buy the policy a few days before the trip, not on the day of the trip. This term may differ for each company; for example, the BTA travel insurance policy must be purchased 72 hours before the risk takes effect. So, before you buy your insurance, make certain you buy it in good time so you can be sure that this risk is covered.

All your needs must be taken care of, which is especially important if you have chronic illness. Before buying insurance, ascertain that the medical assistance you need will be provided and compensated, and whether there are any restrictions and limits.

Even if you are healthy before going abroad, you might be exposed to an illness or even a serious injury during the trip. You can choose to insure yourself against this risk for extra peace of mind during your trip. When purchasing the programme Gold of BTA travel insurance, this risk is automatically included.

You may need to rent a car when you get to your destination. It is important to take into account that if something happens to the car while you are using it, you may have to pay a deductible, which can vary from a few hundred to a few thousand. Therefore, if you plan to rent a car, compare offers and be sure to choose rental car deductible insurance. Remember that this is an additional risk that is usually not included in the standard coverage, so you will have to add it for an additional sum. It is currently not possible to buy it on our website, so contact our Customer Support by writing to [email protected] , or by calling +371 26 12 12 12 .

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lv travel insurance policy details

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COMMENTS

  1. Travel Insurance

    Original receipts and accounts for all out of pocket expenses, bills or invoices you've had to pay. Make a claim online. Or call us on: 0330 678 6225. Lines open: Mon-Fri 8am-6pm. Saturday 8am-4pm. Sunday and Bank Holidays Closed. Calls will be recorded. For Text Phone, dial 18001 followed by the phone number.

  2. Travel & Holiday Insurance Quotes

    Our Essential policy includes the following: 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.

  3. What does the travel insurance policy cover?

    When you choose LV= travel insurance, you'll have up to £10 million cover for emergency medical expenses and the choice of Essential or Premier cover. To find out more, please read the Travel Insurance Document of insurance for all the benefits of choosing LV= travel insurance.

  4. PDF LV= Travel Insurance Policy Summary

    Type of insurance and period of cover The LV= travel policy is only available to people living in England, Wales, Scotland, Northern Ireland, Isle of Man and the Channel Islands. The policy you have chosen (Essential or Premier) and whether it is a single trip policy or annual multi-trip policy will be shown on your schedule.

  5. PDF Insurance Product Information Document

    Travel Insurance Insurance Product Information Document Company: Liverpool Victoria Insurance Company Limited. Registered in England and Wales number 3232514 is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, register number 202965. Product: LV= Travel ...

  6. LV Travel Insurance: What do You Need to Know?

    LV Travel Insurance Policy Types and Details. As is common with many insurers, LV offers two main types of travel insurance: In each single trip policy you will receive cover for: emergency medical, cancellation (due to illness, injury or death), personal liability, personal accident, legal expenses, hijack and kidnap.If you choose the Premier policy you will receive the following cover, in ...

  7. LV= travel insurance review

    LV= travel insurance customer reviews. LV= has a Trustpilot rating of 4.5 out of 5.0 Stars. 80% of customers have rated it as 'Excellent' with only 4% rating it as 'Bad'. The reviews on Trustpilot are based on LV= general insurance policies as a whole and are not specific to travel insurance. Of the travel insurance reviews we have looked at ...

  8. PDF Document of Travel Insurance

    Your travel insurance policy. Please read this document of travel insurance and the schedule as one document. This is your contract of insurance with us. In return for your premium we'll give you insurance cover as set out in this booklet according to the policy type, cover selections and period of cover shown on your schedule.

  9. Family & Group Travel Insurance

    LV= Family & Group Travel Insurance lets you cover up to ten people on the same single trip or multi trip policy. Get a quote and save 10% online today.

  10. PDF Document of Travel Insurance

    DOCUMENT OF INSURANCE TRAVEL 4 Contents Page Summary of policy limits 1 Welcome to LV= travel insurance 3 Your travel insurance policy 5 Definition of words 6 Important information about your policy 10 Important information about health declarations and health exclusions 12 General exclusions 14 General conditions 15 Activities 17 Section A: If you need to cancel your trip before you travel 19

  11. PDF Document of Travel Insurance

    Please read this document of travel insurance, the schedule and important information leaflet as one document. This is your contract of insurance with us. In return for your premium we'll give you insurance cover as set out in this booklet according to the policy type, cover selections and period of cover shown on your schedule.

  12. LV

    LV customer reviews summary. LV Travel Insurance has been praised for its competitive pricing, easy-to-use website and comprehensive coverage options. Customers have reported that the process of cancelling and renewing policies was straightforward, and they were able to receive discounts for having multiple policies with LV.

  13. LV Travel Insurance Review and Quotes

    LV travel insurance in details. Find the best travel insurance in just a few seconds! Compare. It is, however, quite difficult to give precise price ranges as LV travel insurance policy quotes will depend on a range of factors such as: Your age at the time of travelling; The length of your stay; Your trip destination (Europe, North America ...

  14. Travel & Holiday Insurance Quotes

    Our Premier policy is Defaqto 5 star rated. 15% discount when you buy online. Get a quote today. Annual or single trip travel insurance policies now includes trip cancellation due to coronavirus (covid-19) diagnosis, repatriation and medical costs.

  15. Travel and Holiday Insurance Quotes with Cruise Cover

    Are you going on a cruise? Get a quote from LV= today and see how much you could save on cruise insurance with cover to suit all your needs.

  16. Making it easy for you to claim on your travel insurance

    How LV= will deal with your travel insurance claim, from your first call to completion.

  17. Long stay travel insurance

    What is long stay travel insurance? Long stay travel insurance can protect you for longer, whether you're enjoying some winter sun in Lanzarote or backpacking in the Australian outback. LV= travel insurance can cover you for a single trip, lasting up to: • 366 days if you're under 65 years of age • 90 days if you're between 65 and 79

  18. PDF LV= Travel Insurance Policy Summary

    compulsory insurance, such as third party motor insurance, 100% of the claim is covered You can get further information from: Financial Services Compensation Scheme, 10th Floor Beaufort House, 15 St Botolph Street, London EC3A 7QU. Phone 0800 678 1100 or 0207 741 4100 Email [email protected].

  19. Travel insurance

    Therefore, travel insurance usually covers trip cancellation. However, for the trip cancellation risk to be valid, you must buy the policy a few days before the trip, not on the day of the trip. This term may differ for each company; for example, the BTA travel insurance policy must be purchased 72 hours before the risk takes effect.

  20. How To Get Reimbursement For A Travel Insurance Claim

    Check your policy for the required delay time to get reimbursement. For example, this could be three, five, six or 12 hours, depending on the travel insurance plan. Here, too, check your policy ...

  21. PDF LV= Travel Insurance Policy Summary

    Type of insurance and cover The LV= travel policy is only available to people living in England, Wales, Scotland, Northern Ireland, Isle of Man and the Channel Islands. The policy you have chosen (Essential or Premier) and whether it is a single trip policy or annual multi-trip policy will be shown on your schedule. Your schedule will also show the

  22. When Do You Need Travel Insurance?

    Travel insurance is crucial if you're investing in a once-in-a-lifetime trip or your travel plans include high-cost, non-refundable elements like tours, cruises, or multiple connecting flights. In ...