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Alexandre Desoutter updated on July 27, 2020
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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
| Safe rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction | High customer satisfaction rate 4.7/5 on Trust Pilot | |
| Cover provided | High cancellation limits of up to £10,000 | |
| Value for money | Reasonably priced premiums | |
| Financial strength | LV is regulated and authorised by the Prudential Regulation Authority (PRA) and the Financial Conduct Authority (FCA) | |
| Technology | Online quote process |
LV travel insurance reviews by expert and consumers
| Review organisation | LV travel insurance reviews |
|---|---|
| Defaqto expert | Premier: 5 |
| TrustPilot | 4.7/5 based on more than 14.7K opinions |
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.
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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
| Single and annual multi-trip days and age limits at LV | |
|---|---|
| Maximum days per trip | Single Trip: 366 days for 64 years or less / 90 days for 65 years or more |
| Maximum age limit | No age limit |
You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at LV:
Policy name | Essential | Premier |
|---|---|---|
| Defaqto expert rating | Not Stated | 5 |
| Excess (if not stated) | £75 | £50 |
| Medical expenses | £10M | £10M |
| Trip cancellation / curtailment | £5,000 | £10,000 |
| Delayed departure 12 hours | x | £25 |
| Delayed departure max | x | £250 |
| Baggage & belongings | x | x |
| Money including cash | x | x |
| Repatriation | £10M | £10M |
| Personal liability | £2M | £2M |
| Personal accident (excess £0) | £25,000 | £25,000 |
| Legal expenses (excess £0) | £25,000 | £25,000 |
| Hospital benefit (excess £0) | x | x |
| Accommodation cover | x | £1,000 |
| Pet care (excess £0) | x | x |
| SAFI* | x | £10,000 |
| Medical screening | x | x |
| Cruise cover | Optional | Optional |
| Winter sports | Optional | Optional |
| Golf Cover | Standard | Standard |
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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?
| Travel insurance options at LV | |
|---|---|
| LV golf cover | Golf Cover is available at LV and it is covered as standard. |
| LV business cover | Business trips are covered as standard. |
| LV cruise cover | Optional Cruise Extension Cover is available at LV and it comes with the following benefits:
|
| LV gadget cover | Optional Baggage Cover is available at LV and it comes with the following features and benefits:
|
| LV other extras | Not Available |
Watch out!
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:
You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at LV:
Policy name | Essential | Premier |
|---|---|---|
| Price - 3 days trip - 30 years old - Europe | £8,89 | £16,24 |
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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 to claim on LV travel insurance? | |
|---|---|
| Claim by mail | LV= Travel Insurance Claims Department, |
| Claim online | You can make a claim online by filling the necessary information in this page |
| Claim by phone | 0800 707 6967 |
How do I contact LV travel insurance?
LV contact phone numbers
| Services | Phone numbers | Opening hours |
|---|---|---|
| Quote | 0800 022 3919 | Monday to Friday: 8am to 8pm |
| Renewal | 0800 707 6966 | Monday to Friday: 8am to 8pm |
| Claims | 0800 707 6967 | Monday to Friday: 8am to 8pm |
| Emergency Helpline | 01243 621 537 | Available 24/7 |
| Pre Travel Advice Service | 0800 707 6971 | Available 24/7 |
LV other contact details
| Contact details | |
|---|---|
| Address | Liverpool Victoria, |
| [emailprotected] |
How to cancel your annual LV travel insurance policy?
You will find below main information to cancel your travel insurance policy at LV:
| How to cancel LV travel insurance? | |
|---|---|
| Cancellation fees during cooling off period of 14 days | £0 |
| Cancellation fees outside cooling off period | No refund |
| Cancel by phone | 0800 707 6966 |
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.
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Alexandre Desoutter
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.
