LV=

LV= is a large UK insurance brand, which was once the UK's largest friendly society.   

It was founded in 1843 as Liverpool Victoria and changed its consumer facing brand to LV= in 2007. However, in 2019 it sold its general insurance arm to German insurer Allianz - allowing it to continue using the LV= brand.

LV=
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Gold ribbon: first place

Breakdown Cover

Ranked 3rd of 27 providers reviewed.

Customer happiness 60.46%
Customer trust 57.95%
Complaints performance 77.74%
Transparency rating 75.61%
Fairer Finance score
Reviewed Spring 2023
68%
Gold ribbon: first place

Car insurance

Ranked 10th of 53 providers reviewed.

Customer happiness 67.33%
Customer trust 58.53%
Complaints performance 77.72%
Transparency rating 75.23%
Fairer Finance score
Reviewed Spring 2023
70%

Home emergency cover

Ranked 21st of 28 providers reviewed.

Customer happiness 44.13%
Customer trust 49.81%
Complaints performance 77.73%
Transparency rating 67.43%
Fairer Finance score
Reviewed Spring 2023
60%

Home insurance (building and contents)

Ranked 23rd of 48 providers reviewed.

Customer happiness 59.02%
Customer trust 53.89%
Complaints performance 77.73%
Transparency rating 74.76%
Fairer Finance score
Reviewed Spring 2023
66%

Life insurance

Ranked 23rd of 25 providers reviewed.

Claims score 69.55%
Complaints performance 77.73%
Transparency rating 66.92%
Fairer Finance score
Reviewed Spring 2023
71%
Gold ribbon: first place

Pet insurance

Ranked 7th of 34 providers reviewed.

Customer happiness 64.07%
Customer trust 59.89%
Complaints performance 77.73%
Transparency rating 74.57%
Fairer Finance score
Reviewed Spring 2023
69%
Gold ribbon: first place

Travel insurance

Ranked 3rd of 41 providers reviewed.

Customer happiness 57.65%
Customer trust 55.74%
Complaints performance 77.73%
Transparency rating 66.15%
Fairer Finance score
Reviewed Spring 2023
64%

Car insurance

LV=

Car Insurance (with enhanced courtesy car add on)

5 stars
Cover limit for lost keys i Unlimited
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £20.00
Windscreen replacement excess i £95.00
Repairs guarantee (years) i Lifetime
New car replacement i
Cover limit for stolen keys i Unlimited
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

LV=

Car Insurance

3 stars
Cover limit for lost keys i Unlimited
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £20.00
Windscreen replacement excess i £95.00
Repairs guarantee (years) i Lifetime
New car replacement i
Cover limit for stolen keys i Unlimited
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Commercial Vehicle Insurance

LV=

Van Insurance

3 stars
Courtesy car for duration of repair i
Uninsured driver promise i
Cover limit for lost keys i Unlimited
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £20.00
Windscreen replacement excess i £140.00
24hr helpline available i
New car replacement i
Courtesy car provided if stolen / total loss i
Cover limit for stolen keys i Unlimited
Repairs guarantee (years) i Lifetime
Vandalism i

Equity Release

LV=

Lifetime Mortgage Lump Sum+

4 stars
Early repayment charge (if you repay in year 3 of the loan) 5.00%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 3.00%
Early repayment charge (if you repay in year 12 of the loan) 0.00%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £595.00
Adding or removing someone to your loan (Scotland) £595.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

LV=

Lifetime Mortgage Drawdown+

4 stars
Early repayment charge (if you repay in year 3 of the loan) 5.00%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 3.00%
Early repayment charge (if you repay in year 12 of the loan) 0.00%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £595.00
Adding or removing someone to your loan (Scotland) £595.00
Member of the equity release council
Minimum Cash Reserve 10000
Number of payments allowed per annum (repayment flexibility) Unlimited

Home emergency cover

LV=

Home Emergency

4 stars
Home Security Cover i
Home Emergency Cover limit i £1,000.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover
Annual boiler service i
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i Add-On
Alternative Accommodation Cover i £250.00
Unoccupied period i 60
Claims limit i Unlimited

LV=

Home Emergency (Extra/Gold/Plat)

4 stars
Home Security Cover i
Home Emergency Cover limit i £1,000.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover
Annual boiler service i
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i Add-On
Alternative Accommodation Cover i £250.00
Unoccupied period i 60
Claims limit i Unlimited

LV=

Select Home Emergency (Comparison Site)

4 stars
Home Security Cover i
Home Emergency Cover limit i £1,000.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover
Annual boiler service i
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i Add-On
Alternative Accommodation Cover i £250.00
Unoccupied period i 60
Claims limit i Unlimited

Home insurance (building and contents)

LV=

Rainbow Home Insurance

5 stars
Alternative accommodation cover limit for buildings i £200,000.00
Matching sets (contents) i 50% of the cost of replacing the undamaged parts
Theft from outbuildings cover limit i £10,000.00
Escape of water excess i £250.00
Alternative accommodation cover limit for contents i £25,000.00
Keys/locks if lost or stolen (Buildings) i Sum insured
Money in the home i £500.00
Replace belongings new for old i
Trace and access i £10,000.00
Escape of water excess (Minimum) i £250.00
Contents compulsory excess i £100.00
Additional flood excess i £0.00
Liability as a tenant i £10,000.00
Liability to domestic employees i £5,000,000.00
Property owner liability i £2,000,000.00
Buildings cover limit (Maximum) i £1,000,000.00
Contents cover limit (Maximum) i £50,000.00
Cancellation fee after 14 days i £0.00
Cancellation fee before 14 days £0.00
Visitor's possessions Sum insured
Office equipment £10,000.00

LV=

Home Plus Insurance

4 stars
Alternative accommodation cover limit for buildings i £100,000.00
Matching sets (contents) i 50% of the cost of replacing the undamaged parts
Theft from outbuildings cover limit i Sum insured
Escape of water excess i £350.00
Alternative accommodation cover limit for contents i £50,000.00
Keys/locks if lost or stolen (Buildings) i Sum insured
Money in the home i £1,000.00
Replace belongings new for old i
Trace and access i £10,000.00
Escape of water excess (Minimum) i £350.00
Contents compulsory excess i £100.00
Additional flood excess i £350.00
Liability as a tenant i £15,000.00
Liability to domestic employees i £10,000,000.00
Property owner liability i £5,000,000.00
Buildings cover limit (Maximum) i Unlimited
Contents cover limit (Maximum) i £150,000.00
Cancellation fee after 14 days i £25.00
Cancellation fee before 14 days £0.00
Visitor's possessions £2,000.00
Office equipment £15,000.00

LV=

Home Insurance

3 stars
Alternative accommodation cover limit for buildings i £50,000.00
Matching sets (contents) i 50% of the cost of replacing the undamaged parts
Theft from outbuildings cover limit i Sum insured
Escape of water excess i £350.00
Alternative accommodation cover limit for contents i £25,000.00
Keys/locks if lost or stolen (Buildings) i Sum insured
Money in the home i £500.00
Replace belongings new for old i
Trace and access i £5,000.00
Escape of water excess (Minimum) i £350.00
Contents compulsory excess i £100.00
Additional flood excess i £350.00
Liability as a tenant i £10,000.00
Liability to domestic employees i £10,000,000.00
Property owner liability i £5,000,000.00
Buildings cover limit (Maximum) i £1,000,000.00
Contents cover limit (Maximum) i £50,000.00
Cancellation fee after 14 days i £25.00
Cancellation fee before 14 days £0.00
Visitor's possessions £1,000.00
Office equipment £15,000.00

Buildings insurance

LV=

Rainbow Home Insurance

5 stars
Matching sets (Buildings) i 50% of the cost of replacing the undamaged parts
Escape of water (plus compulsory excess) i £250.00
Buildings compulsory excess i £100.00
Escape of water excess i £250.00
Unoccupied period i 60
24hr helpline i
Cancellation fee after 14 days i £0.00
Amendment fee (telephone) i £0.00
Property owner liability i £2,000,000.00

LV=

Home Insurance

3 stars
Matching sets (Buildings) i 50% of the cost of replacing the undamaged parts
Escape of water (plus compulsory excess) i £350.00
Buildings compulsory excess i £100.00
Escape of water excess i £350.00
Unoccupied period i 60
24hr helpline i
Cancellation fee after 14 days i £25.00
Amendment fee (telephone) i £15.00
Property owner liability i £5,000,000.00

LV=

Home Plus Insurance

2 stars
Matching sets (Buildings) i 50% of the cost of replacing the undamaged parts
Escape of water (plus compulsory excess) i £350.00
Buildings compulsory excess i £100.00
Escape of water excess i £350.00
Unoccupied period i 60
24hr helpline i
Cancellation fee after 14 days i £25.00
Amendment fee (telephone) i £15.00
Property owner liability i £5,000,000.00

LV=

Home Cover Extra

1 stars
Matching sets (Buildings) i
Escape of water (plus compulsory excess) i £350.00
Buildings compulsory excess i £350.00
Escape of water excess i £350.00
Unoccupied period i 60
24hr helpline i
Cancellation fee after 14 days i £0.00
Amendment fee (telephone) i £0.00
Property owner liability i £5,000,000.00

Contents insurance

LV=

Rainbow Home Insurance

5 stars
Matching sets (contents) i 50% of the cost of replacing the undamaged parts
Theft from outbuildings cover limit i £10,000.00
Windspeed (mph) i 47mph
Property owner liability i £2,000,000.00

LV=

Home Plus Insurance

4 stars
Matching sets (contents) i 50% of the cost of replacing the undamaged parts
Theft from outbuildings cover limit i Sum Insured
Windspeed (mph) i Not Defined
Property owner liability i £5,000,000.00

LV=

Home Insurance

3 stars
Matching sets (contents) i 50% of the cost of replacing the undamaged parts
Theft from outbuildings cover limit i Sum Insured
Windspeed (mph) i Not Defined
Property owner liability i £5,000,000.00

LV=

Home Cover Extra

1 stars
Matching sets (contents) i
Theft from outbuildings cover limit i
Windspeed (mph) i Not Defined
Property owner liability i £5,000,000.00

LV=

Everyday Home Cover

1 stars
Matching sets (contents) i
Theft from outbuildings cover limit i
Windspeed (mph) i Not Defined
Property owner liability i £5,000,000.00

Pet insurance

Cat insurance

LV=

Lifetime 3k

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £3,000.00
Medical excess i £75.00
Annual policy limit i £3,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £3,000.00
Cruciate ligament damage i £3,000.00
CT scans i £3,000.00
MRI scans i £3,000.00
Prescription diet (treatment of bladder stones only) i £3,000.00
Complementary treatment i £3,000.00
Boarding fees limit i £1,500.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Holiday cancellation i £3,000.00
Holiday cover i £3,000.00
Quarantine costs cover i £2,500.00
Loss of PETS passport or other travel documents i £500.00
Emergency expenses abroad i £2,000.00
Maximum number of days abroad i 180 days
Age when compulsory excess rises i 10 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

LV=

Lifetime 5k

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £5,000.00
Medical excess i £75.00
Annual policy limit i £5,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £5,000.00
Cruciate ligament damage i £5,000.00
CT scans i £5,000.00
MRI scans i £5,000.00
Prescription diet (treatment of bladder stones only) i £5,000.00
Complementary treatment i £5,000.00
Boarding fees limit i £1,500.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Holiday cancellation i £3,000.00
Holiday cover i £5,000.00
Quarantine costs cover i £2,500.00
Loss of PETS passport or other travel documents i £500.00
Emergency expenses abroad i £2,000.00
Maximum number of days abroad i 180 days
Age when compulsory excess rises i 10 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

LV=

Lifetime 10k

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £10,000.00
Medical excess i £75.00
Annual policy limit i £10,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £10,000.00
Cruciate ligament damage i £10,000.00
CT scans i £10,000.00
MRI scans i £10,000.00
Prescription diet (treatment of bladder stones only) i £10,000.00
Complementary treatment i £10,000.00
Boarding fees limit i £1,500.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Holiday cancellation i £3,000.00
Holiday cover i £10,000.00
Quarantine costs cover i £2,500.00
Loss of PETS passport or other travel documents i £500.00
Emergency expenses abroad i £2,000.00
Maximum number of days abroad i 180 days
Age when compulsory excess rises i 10 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

LV=

Time limited 2500

3 stars
Type of cover i Time-limited
Medical cover limit i £2,500.00
Medical excess i £75.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i £2,500.00
Dental cover (if due to an accident) i £2,500.00
Cruciate ligament damage i £2,500.00
CT scans i £2,500.00
MRI scans i £2,500.00
Prescription diet (treatment of bladder stones only) i £2,500.00
Complementary treatment i £2,500.00
Boarding fees limit i £1,500.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Holiday cancellation i £1,500.00
Holiday cover i £2,500.00
Quarantine costs cover i £2,000.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £2,000.00
Maximum number of days abroad i 180 days
Age when compulsory excess rises i 10 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

LV=

Time limited 1500

1 stars
Type of cover i Time-limited
Medical cover limit i £1,500.00
Medical excess i £75.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i £1,500.00
Dental cover (if due to an accident) i £1,500.00
Cruciate ligament damage i £1,500.00
CT scans i £1,500.00
MRI scans i £1,500.00
Prescription diet (treatment of bladder stones only) i £1,500.00
Complementary treatment i £1,500.00
Boarding fees limit i £1,500.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Holiday cancellation i £1,500.00
Holiday cover i £1,500.00
Quarantine costs cover i £2,000.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £2,000.00
Maximum number of days abroad i 180 days
Age when compulsory excess rises i 10 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

Dog insurance

LV=

Lifetime 3k

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £3,000.00
Medical excess i £75.00
Annual policy limit i £3,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £3,000.00
Cruciate ligament damage i £3,000.00
CT scans i £3,000.00
MRI scans i £3,000.00
Prescription diet (treatment of bladder stones only) i £3,000.00
Complementary treatment i £3,000.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £3,000.00
Holiday cover i £3,000.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

LV=

Lifetime 5k

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £5,000.00
Medical excess i £75.00
Annual policy limit i £5,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £5,000.00
Cruciate ligament damage i £5,000.00
CT scans i £5,000.00
MRI scans i £5,000.00
Prescription diet (treatment of bladder stones only) i £5,000.00
Complementary treatment i £5,000.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £3,000.00
Holiday cover i £5,000.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

LV=

Lifetime 10k

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £10,000.00
Medical excess i £75.00
Annual policy limit i £10,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £10,000.00
Cruciate ligament damage i £10,000.00
CT scans i £10,000.00
MRI scans i £10,000.00
Prescription diet (treatment of bladder stones only) i £10,000.00
Complementary treatment i £10,000.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £3,000.00
Holiday cover i £10,000.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

LV=

Time limited 2500

2 stars
Type of cover i Time-limited
Medical cover limit i £2,500.00
Medical excess i £75.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i 2,500
Dental cover (if due to an accident) i £2,500.00
Cruciate ligament damage i £2,500.00
CT scans i £2,500.00
MRI scans i £2,500.00
Prescription diet (treatment of bladder stones only) i £2,500.00
Complementary treatment i £2,500.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £1,500.00
Holiday cover i £2,500.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

LV=

Time limited 1500

1 stars
Type of cover i Time-limited
Medical cover limit i £1,500.00
Medical excess i £75.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i 1,500
Dental cover (if due to an accident) i £1,500.00
Cruciate ligament damage i £1,500.00
CT scans i £1,500.00
MRI scans i £1,500.00
Prescription diet (treatment of bladder stones only) i £1,500.00
Complementary treatment i £1,500.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £1,500.00
Holiday cover i £1,500.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

Travel insurance

Annual multi-trip insurance

LV=

Premier (with baggage optional extras)

4 stars
Medical excess i £90.00
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £3,000.00
Cancelling before travel cover limit i £10,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Mental health cover i
Personal money i £500.00
Combined passport & travel documents cover limit i £500.00
Cutting trip short (curtailment) cover limit i £10,000.00
Abandoning your trip (abandonment) cover limit i £10,000.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 90 days

LV=

Premier

2 stars
Medical excess i £90.00
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £0.00
Cancelling before travel cover limit i £10,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Mental health cover i
Personal money i £0.00
Combined passport & travel documents cover limit i £0.00
Cutting trip short (curtailment) cover limit i £10,000.00
Abandoning your trip (abandonment) cover limit i £10,000.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 90 days

LV=

Essential (with baggage optional extras)

2 stars
Medical excess i £90.00
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £2,000.00
Cancelling before travel cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Mental health cover i
Personal money i £500.00
Combined passport & travel documents cover limit i £500.00
Cutting trip short (curtailment) cover limit i £5,000.00
Abandoning your trip (abandonment) cover limit i £0.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 31 days

LV=

Essential

1 stars
Medical excess i £90.00
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £0.00
Cancelling before travel cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Mental health cover i
Personal money i £0.00
Combined passport & travel documents cover limit i £0.00
Cutting trip short (curtailment) cover limit i £5,000.00
Abandoning your trip (abandonment) cover limit i £0.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 31 days

Single trip insurance

LV=

Premier (with baggage optional extras)

4 stars
Cancelling before travel cover limit i £10,000.00
Medical excess i £90.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £3,000.00
Cutting trip short curtailment cover limit i £10,000.00
Missed departure cover limit i £1,000.00
Abandoning your trip (abandonment) cover limit i £10,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £500.00
Combined passport & travel documents limit i £500.00

LV=

Premier

2 stars
Cancelling before travel cover limit i £10,000.00
Medical excess i £90.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £0.00
Cutting trip short curtailment cover limit i £10,000.00
Missed departure cover limit i £1,000.00
Abandoning your trip (abandonment) cover limit i £10,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £0.00
Combined passport & travel documents limit i £0.00

LV=

Essential (with baggage optional extras)

2 stars
Cancelling before travel cover limit i £5,000.00
Medical excess i £90.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000.00
Cutting trip short curtailment cover limit i £5,000.00
Missed departure cover limit i £0.00
Abandoning your trip (abandonment) cover limit i £0.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £500.00
Combined passport & travel documents limit i £500.00

LV=

Essential

1 stars
Cancelling before travel cover limit i £5,000.00
Medical excess i £90.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £0.00
Cutting trip short curtailment cover limit i £5,000.00
Missed departure cover limit i £0.00
Abandoning your trip (abandonment) cover limit i £0.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £0.00
Combined passport & travel documents limit i £0.00

Travel insurance add-on: cruise cover

LV=

Premier (with baggage optional extras)

4 stars
Missed port departure cover limit i £1,000.00
Re-joining a cruise cover limit i £1,000.00
Cabin confinement cover limit i £1,500.00
Missed port departure excess i £0.00
Timetable/itinerary change cover limit i £150.00
Unused excursions cover limit i £10,000.00

LV=

Premier

4 stars
Missed port departure cover limit i £1,000.00
Re-joining a cruise cover limit i £1,000.00
Cabin confinement cover limit i £1,500.00
Missed port departure excess i £0.00
Timetable/itinerary change cover limit i £150.00
Unused excursions cover limit i £10,000.00

LV=

Essential (with baggage optional extras)

1 stars
Missed port departure cover limit i £0.00
Re-joining a cruise cover limit i £1,000.00
Cabin confinement cover limit i £1,000.00
Missed port departure excess i
Timetable/itinerary change cover limit i £150.00
Unused excursions cover limit i £5,000.00

LV=

Essential

1 stars
Missed port departure cover limit i £0.00
Re-joining a cruise cover limit i £1,000.00
Cabin confinement cover limit i £1,000.00
Missed port departure excess i
Timetable/itinerary change cover limit i £150.00
Unused excursions cover limit i £5,000.00

Travel insurance add-on: winter sports

LV=

Essential

3 stars
Ski equipment owned cover limit i £2,000.00
Single owned item cover limit i £300.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £250.00
Avalanche closure cover limit i £500.00
Piste closure cover limit i £500.00
Ski equipment owned excess i £50.00
Ski equipment hired i £2,000.00
Single item limit for hired equipment i £500.00
Unused ski pass due to illness or injury i £500.00

LV=

Essential (with baggage optional extras)

3 stars
Ski equipment owned cover limit i £2,000.00
Single owned item cover limit i £300.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £250.00
Avalanche closure cover limit i £500.00
Piste closure cover limit i £500.00
Ski equipment owned excess i £50.00
Ski equipment hired i £2,000.00
Single item limit for hired equipment i £500.00
Unused ski pass due to illness or injury i £500.00

LV=

Premier

3 stars
Ski equipment owned cover limit i £3,000.00
Single owned item cover limit i £500.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £500.00
Avalanche closure cover limit i £500.00
Piste closure cover limit i £500.00
Ski equipment owned excess i £50.00
Ski equipment hired i £3,000.00
Single item limit for hired equipment i £500.00
Unused ski pass due to illness or injury i £500.00

LV=

Premier (with baggage optional extras)

3 stars
Ski equipment owned cover limit i £3,000.00
Single owned item cover limit i £500.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £500.00
Avalanche closure cover limit i £500.00
Piste closure cover limit i £500.00
Ski equipment owned excess i £50.00
Ski equipment hired i £3,000.00
Single item limit for hired equipment i £500.00
Unused ski pass due to illness or injury i £500.00