LV Travel Insurance Review

LV Travel Insurance Review

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With worldwide pandemics an the increasing possibility , choosing the right Travel Insurance have never been more essential. The wrong choice now could have disastrous repercussions if you have to claim whilst abroad.

Comparing numerous policy terms and conditions can be daunting as well as time consuming. Our independent rating and review highlights the important points we think you should know about when choosing your next travel insurance policy.

Once you have read this review of LV and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are LV Travel Insurance

LV are the UK's largest friendly society. Originally known as Liverpool Victoria, they underwent a brand change to LV in 2007. LV have over 6000 employees. As a mutual company they are owned by the members rather than shareholders. All policies are underwritten by LV.

Winner of the Which Insurance provider of the year 2017 awards, LV provides two levels of cover including the five star rated Premier Policy. Single trips can be taken for up to 12 months and annual policies allow individual trips of up to 90 days and include cruise cover as standard. Purchase online to receive a 10% discount.

How to Buy Travel Insurance from LV

Click on the website link to go directly to the insurance providers website. Visit LV's Website and Get a Quotation direct

How LV Travel Insurance 's Policies have been ranked using our star rating formula?

Click on the white bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by LV.

Single Trip Policy Ratings Click to Expand

We have reviewed 2 Single Trip Policies from LV Travel Insurance. They are - Premier - Essential. We have rated these as follows:-

Rating for Single Trip Premier:

Rating for Single Trip Essential:

LV Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

LV Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 2 Annual Policies from LV Travel Insurance. They are - Premier - Essential. We have rated these as follows:-

Rating for Annual Premier:

Rating for Annual Essential:

LV Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

LV Longstay Insurance Review
  • Five star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Cancellation cover is above the level of the market average
  • Other Core Sections of cover are either at or above the levels of the market average.
  • Secondary sections of cover are either at or above the levels of the market average.
  • Five star policies provide additional cover benefits over and above standard policies.
  • Five star policies include scheduled airline and/or end supplier failure as standard.
  • Five star policies include natural catastrophe cover, either as standard, or as an option.
  • Premiums are the most competitive in relation to the cover provided.
  • Have clear and consumer friendly, policy wording and explanations of cover.
  • The alcohol exclusion is more customer friendly than the market average.
  • The standard excess is below the level of the market average.
  • Four star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Four star policies have cancellation cover at or above the market average.
  • Four star policies may have a maximum of one core and one secondary section, or two secondary sections of cover lower than the market average or the excess may be above the market average.
  • Four star policies may provide additional cover benefits.
  • Four star policies may not automatically include cover for scheduled airline or end supplier failure.
  • Premiums are competitive in relation to the cover provided.
  • Have clear and consumer friendly policy wording and explanations of cover.
  • Three star policies cover all Primary (core) Sections, but may not offer baggage and money cover as standard.
  • Three star policies have some core covers lower than the market average, or up to one secondary sections of cover missing.
  • Three star policies may have some secondary covers lower than the market average.
  • Three star policies may not provide scheduled airline/end supplier failure cover, or only offer it as an option.
  • The Insurer, may not provide quotations across the full range of scenarios tested.
  • The standard excess may be higher than the market average.
  • Two star policies generally provide cover that is below the market average and/or have Primary (core) and Secondary sections of cover missing from their policies.
  • Two star policies may not offer baggage/money cover.
  • Premiums tend to be much lower than the market average due to the low levels of cover provided.
  • The Standard Excess is higher than the market average.
  • The Insurer may not provide quotation across the full range of scenarios tested
  • Policy wordings may not be as consumer friendly as other Insurers

Key Points you need to know about LV's policy wording

1. What is the age/classification of a child on the policy?

A child is classed as a person under the age of 22. Children are automtically covered when travelling with an adult insured under the same policy, or as part of an organised school trip, accompanied by a responsible adult.

Children aged 16 - 21 can be covered when travelling unaccompanied, but you need to select this option during the quotation process.

2. What are the policy age limits?

Single trip policies at the time of purchase, there is no age limit.

Annual travel policies at the time of purchase up to the age of 80 years old

3. What are the policy Trip Duration limits?

A single trip may be taken out for up to 366 days (restricted to 90 days if you are 65 years of age or over).

There is no limit on the number of trips you can take under an annual policy, however each individual trip is restricted to 31 days  under the essential policy and 90 days under the premier policy.

4. What are the options for Winter Sports cover?

Winter sports cover can be included on both single and annual policies, although in respect of annual policies this is for a maximum of 17 days on the essential policy and 31 days on the premier policy.

The policy covers you for the following activities skiing, including bigfoot, cross country, mono, glacier and indoor, sledging and tobogganing, snowboarding, snow blading and snowmobiling (excludes personal liability cover).

Skiing and snowboarding off-piste is allowed, provided you are wihin the boundaries of a recognised ski resort and following ski patrol guidlines.

IMPORTANT NOTE: The winter sports section only covers you for cancellation of activities, cutting short your trip, Emergency Medical Expenses, Personal Accident and Personal Liability. 

5. What is classed as a family and how many people can be quoted for?

There is no policy definition of who may travel under an LV policy.

A policy may be taken out by up to ten individuals. They can be related, unrelated, and include children as long as the maximum number doesn't exceed nine. (There is no premium discount for insuring more than one unrelated individual under the same policy).

6. What are the policy rules on reciprocal health agreements (EHIC, Medicare)?

You must use public medical facilities wherever possible. When travelling to Swizterland or any European country, you must take and use the European Health Insurance Card.

The same applies for visits to Australia and you must enrol with a medicare centre, so that you are able to benefit from reciprocal arrangements. You will need to show your passport and a valid visa.  

Any medical expenses excess will be waived when taking advantage of the above arrangements.

7. What is covered under Sports and Activities on the policy?

The Essential policy covers 42 different sporting and leisure activities as standard. The Premier policy includes 69 different pursuits as standard, including White water rafting up to grade 5 and scuba diving down to 40 metres (provided you are qualified to do so).

If there is an activity you would like to take part in, not listed, you can phone the Insurer direct to see if cover can be extended.

8. What are the policy Alcohol Exclusion terms?

There is no cover under either policy for a medical condition, caused by you using alcohol, solvents or drugs and there is no cover for any claim where you have drunk enough alcohol to seriously affect your judgement and the direct or indirect effect of so much alcohol.

9. Does the policy cover Scheduled Airline Failure or Financial Failure?

End Supplier Failure up to £10,000 automatically covered under the Premier Policy

10. Does the policy cover Pre-Existing Medical Conditions and can I get a quote online?

Claims for pre existing medical conditions aren't covered unless they have been declared and accepted.

You can do this online during the quotation process by answering the medical assessment questions, making the whole process quick and simple.

11. What are the policy rules on travelling when pregnant?

Cancellation is covered, if you become pregnant after booking a trip and after the policy commences and are advised by your doctor not to travel.

There is no mention of pregnancy in respect of medical expenses, only to confirm LV will not cover routine care including pre or post natal care.

12. Will I be covered if I want to do Manual Work or Bar Work or other work while I am on holiday?

Any kind of manual work is excluded, this includes

  • Building, construction or mining
  • Industrial or plant work and any motor driven machinery, including diggers and bulldozers
  • Power tools
  • Working more than two metres above the ground.

You can take part in conservation or charity work, but this cannot include manual or any kind of medical work.

13. What are the requirements, if I need to claim for lost, damaged or stolen baggage?

LV will not pay for any items that you can't provide proof of ownership and value for.

14. What does the policy cover in the event of war, terrorism or cyber attack?

War and terrorism are excluded, with the exception of medical expenses, personal accident or additional transport and accommodation claims.

15. Does the policy cover natural disaster or catastrophe before and during my holiday?

Covered as standard under the Premier Policy.

16. Do I have to be a UK resident to be covered under this policy?

You must have your main home in the United Kingdom.

LV's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on lv-travel-insurance-review's website. The policy wording, website, customer service/buying process have been carefully reviewed and each section awarded a user friendly score, which you can see below.

Policy wording - Marks are awarded for Layout, Readability ,Terminology, Communication and Appropriate information.

Website - Marks are awarded for Layout/Navigation, Access to important information e.g. policy wordings, Clear Explanation/Comparison of policies, including limitations, Frequently asked questions.

Customer Service – Marks are awarded for the Buying process, Customer Service, Clear Quotations, Access to important information/Comparison of quotes.

The scores have been calculated as an overall percentage and shown on the three gauges. You can see how LV compares to the industry average. The higher the percentage the better the company performs in each area.

Policy Wording

(layout, readability, terminology)

Awaiting user friendly score

Website

(layout, navigation, access to information)

Awaiting user friendly score

Customer Service

(clear quotes, buying process, customer service)

Awaiting user friendly score

Pro's and Con's for LV Policies

We've highlighted Pro's and Cons for LV, click on the white bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by LV.

  • 10% discount when you purchase online
  • Cruise cover included as standard on all annual policies
  • Premier Annual policies allow individual trips of up to 90 days as standard
  • No age limit on single trip policies
  • Premier policy awarded our five star rating
  • End Supplier Failure and Natural Disaster cover as standard under the Premier Policy
  • Online underwriting of medical conditions.

No Con's

What Cover do LV policies offer.

We've listed below cover levels for policies offered by offered by To scroll through all policies, click on the arrows on the left and right of policy name section.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Essential

    Annual

    Premier

    Annual

    Premier

    Single Trip

    Essential

    Single Trip

Primary Cover toggle

  • Policy Excess
    Policy Excess

    50

    50

    50

    50

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    10,000,000

    10,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    5,000

    10,000

    10,000

    5,000

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    25,000

    25,000

    25,000

    25,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    2,000

    3,000

    3,000

    2,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    300

    500

    500

    300

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    300

    500

    500

    300

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    500

    500

    500

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    25,000

    25,000

    25,000

    25,000

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    25,000

    25,000

    25,000

    25,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    500

    500

    500

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,000

    1,000

    1,000

    1,000

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    250

    250

    250

    250

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    5,000

    5,000

    5,000

    5,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    250

    500

    500

    250

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    0

    250

    250

    0

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    0

    1,000

    1,000

    0

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    2,000

    2,000

    2,000

    2,000

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    10,000

    10,000

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    1,000

    1,000

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    N

    Y

    Y

    N

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    Y

    Y

    N

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

    N

    N

Sample Quotes from LV.

Listed below are some Sample Quotes offered by LV

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide (Excluding USA & Canada)

Individual

Age: 76 +

Trip Days: 21

LV Travel Insurance Review
Product Rating

Experience Rating

Premier

50

Medical Expenses 10,000,000

Cancellation 10,000

Missed Departure 1,000

Delayed Departure 250

Baggage 3,000

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Single Trip

Worldwide (Excluding USA & Canada)

Couple

Age: 71 - 75

Trip Days: 7

LV Travel Insurance Review
Product Rating

Experience Rating

Premier

50

Medical Expenses 10,000,000

Cancellation 10,000

Missed Departure 1,000

Delayed Departure 250

Baggage 3,000

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide

Couple

Age: 18 - 29

Trip Days: 365

LV Travel Insurance Review
Product Rating

Experience Rating

Premier

50

Medical Expenses 10,000,000

Cancellation 10,000

Missed Departure 1,000

Delayed Departure 250

Baggage 3,000

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Europe

Family

Age: 18 - 29

Trip Days: 365

LV Travel Insurance Review
Product Rating

Experience Rating

Premier

50

Medical Expenses 10,000,000

Cancellation 10,000

Missed Departure 1,000

Delayed Departure 250

Baggage 3,000

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000