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.
At the end of 2020, it was agreed that its life insurance and pensions arm would be sold to private equity firm Bain Capital.
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| Customer happiness | 60.46% |
|---|---|
| Customer trust | 57.95% |
| Complaints performance | 77.74% |
| Transparency rating | 75.61% |
| Fairer Finance score Reviewed Spring 2023 |
68% |
| Customer happiness | 67.33% |
|---|---|
| Customer trust | 58.53% |
| Complaints performance | 77.72% |
| Transparency rating | 75.23% |
| Fairer Finance score Reviewed Spring 2023 |
70% |
| Customer happiness | 44.13% |
|---|---|
| Customer trust | 49.81% |
| Complaints performance | 77.73% |
| Transparency rating | 67.43% |
| Fairer Finance score Reviewed Spring 2023 |
60% |
| Customer happiness | 59.02% |
|---|---|
| Customer trust | 53.89% |
| Complaints performance | 77.73% |
| Transparency rating | 74.76% |
| Fairer Finance score Reviewed Spring 2023 |
66% |
| Claims score | 69.55% |
|---|---|
| Complaints performance | 77.73% |
| Transparency rating | 66.92% |
| Fairer Finance score Reviewed Spring 2023 |
71% |
| Customer happiness | 64.07% |
|---|---|
| Customer trust | 59.89% |
| Complaints performance | 77.73% |
| Transparency rating | 74.57% |
| Fairer Finance score Reviewed Spring 2023 |
69% |
| Customer happiness | 57.65% |
|---|---|
| Customer trust | 55.74% |
| Complaints performance | 77.73% |
| Transparency rating | 66.15% |
| Fairer Finance score Reviewed Spring 2023 |
64% |
| Replacement Hire Car i | |
|---|---|
| Roadside recovery | |
| Pre-departure Hire Car i | |
| Cover for re-booking i | |
| Will they recover your car in cases of misfuelling? | |
| Will you be recovered if you run out of fuel? | |
| Will they provide a relief driver in instances of driver incapacitation due to injury or illness? i | |
| Will they attend to assist with a flat battery? | |
| Will they attend to assist with a flat tyre? | |
| Will they attend if keys are locked in the vehicle? | |
| Will they attend/cover if keys are lost/broken/stolen? | |
| Available to purchase alone? | |
| Compulsory call out excess | £0.00 |
| Cancellation window (days) | 14 |
| Pro rata refund | |
| Number of passengers permitted for onward travel as standard i | 7 |
| Emergency Overnight Accommodation i | |
| Repatriation i | |
| Will they drain wrong fuel and replace in cases of misfuelling? i |
| Roadside recovery | |
|---|---|
| Home Start i | |
| Nationwide recovery | |
| Maximum call outs per year | Unlimited |
| Replacement Hire Car i | |
| Will they recover your car in cases of misfuelling? i | |
| Will you be recovered if you run out of fuel? | |
| Will they attend to assist with a flat battery? i | |
| Will they attend to assist with a flat tyre? i | |
| Will they attend if keys are locked in the vehicle? | |
| Will they attend/cover if keys are lost/broken/stolen? | |
| Compulsory call out excess | £0.00 |
| Cancellation window (days) | 14 |
| Pro rata refund | |
| Will they drain wrong fuel and replace in cases of misfuelling? i | |
| Number of passengers permitted for onward travel as standard in the UK i | 7 |
| Emergency Overnight Accommodation i | |
| Available to purchase alone? |
| Roadside recovery | |
|---|---|
| Home Start i | |
| Nationwide recovery | |
| Maximum call outs per year | Unlimited |
| Replacement Hire Car i | |
| Will they recover your car in cases of misfuelling? i | |
| Will you be recovered if you run out of fuel? | |
| Will they attend to assist with a flat battery? i | |
| Will they attend to assist with a flat tyre? i | |
| Will they attend if keys are locked in the vehicle? | |
| Will they attend/cover if keys are lost/broken/stolen? | |
| Compulsory call out excess | £0.00 |
| Cancellation window (days) | 14 |
| Pro rata refund | |
| Will they drain wrong fuel and replace in cases of misfuelling? i | |
| Number of passengers permitted for onward travel as standard in the UK i | 7 |
| Emergency Overnight Accommodation i | |
| Available to purchase alone? |
| Roadside recovery | |
|---|---|
| Home Start i | |
| Nationwide recovery | |
| Maximum call outs per year | Unlimited |
| Replacement Hire Car i | |
| Will they recover your car in cases of misfuelling? i | |
| Will you be recovered if you run out of fuel? | |
| Will they attend to assist with a flat battery? i | |
| Will they attend to assist with a flat tyre? i | |
| Will they attend if keys are locked in the vehicle? | |
| Will they attend/cover if keys are lost/broken/stolen? | |
| Compulsory call out excess | £0.00 |
| Cancellation window (days) | 14 |
| Pro rata refund | |
| Will they drain wrong fuel and replace in cases of misfuelling? i | |
| Number of passengers permitted for onward travel as standard in the UK i | 7 |
| Emergency Overnight Accommodation i | |
| Available to purchase alone? |
| Roadside recovery | |
|---|---|
| Home Start i | no |
| Nationwide recovery | |
| Maximum call outs per year | Unlimited |
| Replacement Hire Car i | |
| Will they recover your car in cases of misfuelling? i | |
| Will you be recovered if you run out of fuel? | |
| Will they attend to assist with a flat battery? i | |
| Will they attend to assist with a flat tyre? i | |
| Will they attend if keys are locked in the vehicle? | |
| Will they attend/cover if keys are lost/broken/stolen? | |
| Compulsory call out excess | £0.00 |
| Cancellation window (days) | 14 |
| Pro rata refund | |
| Will they drain wrong fuel and replace in cases of misfuelling? i | |
| Number of passengers permitted for onward travel as standard in the UK i | 7 |
| Emergency Overnight Accommodation i | |
| Available to purchase alone? |
| Roadside recovery | |
|---|---|
| Home Start i | |
| Nationwide recovery | |
| Maximum call outs per year | Unlimited |
| Replacement Hire Car i | |
| Will they recover your car in cases of misfuelling? i | |
| Will you be recovered if you run out of fuel? | |
| Will they attend to assist with a flat battery? i | |
| Will they attend to assist with a flat tyre? i | |
| Will they attend if keys are locked in the vehicle? | |
| Will they attend/cover if keys are lost/broken/stolen? | |
| Compulsory call out excess | £0.00 |
| Cancellation window (days) | 14 |
| Pro rata refund | |
| Will they drain wrong fuel and replace in cases of misfuelling? i | |
| Number of passengers permitted for onward travel as standard in the UK i | 0 |
| Emergency Overnight Accommodation i | |
| Available to purchase alone? |
| 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 |
| 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 |
| Cover for replacing original audio/visual equipment i | Unlimited |
|---|---|
| Windscreen repair excess i | £0.00 |
| Cover limit for lost keys i | £500.00 |
| Windscreen replacement excess i | No separate excess |
| 24hr helpline available i | |
| New car replacement i | |
| Cover limit for stolen keys i | £500.00 |
| Repairs guarantee (years) i | Lifetime |
| Courtesy car for duration of repair i | |
| Child's car seat cover i | |
| Courtesy car provided if stolen / total loss i | |
| Uninsured driver promise i | |
| Vandalism i | |
| Cover limit for Legal Cover for property damage | £20,000,000.00 |
| 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) | 6 |
| 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) | 6 |
| Water Supply Pipe Cover i | |
|---|---|
| Boiler Breakdown Cover i | |
| Home Security Cover i | |
| Lost keys Cover i | Covered under the home emergency policy |
| Cover Type i | Add-On |
| Home Emergency Cover limit i | £1,000.00 |
| Minimum Excess i | £0.00 |
| Internal plumbing and drainage i | |
| External Drainage i | |
| Burst or damaged pipes i | |
| Toilet unit i | |
| Root damage cover i | |
| Primary Heating System i | |
| Temporary Emergency Heating i | |
| Internal gas supply pipe cover i | |
| Boiler Age Exclsuions i | No Exclusion |
| Annual boiler service i | |
| Age of boiler to qualify for a beyond economic repair contribution i | No Exclusion |
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i | £0.00 |
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i | £0.00 |
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i | £0.00 |
| Domestic Power supply covered? i | |
| Roof damage i | Covered under the home emergency policy |
| Pest infestation cover i | |
| Underwriter i | Liverpool Victoria Financial Services Limited |
| Maximum Excess i | £0.00 |
| Alternative Accommodation Cover i | £250.00 |
| 24/7 Claims Helpline i | |
| Unoccupied period i | 60 |
| Water Supply Pipe Cover i | |
|---|---|
| Boiler Breakdown Cover i | |
| Home Security Cover i | |
| Lost keys Cover i | Covered under the home emergency policy |
| Cover Type i | Add-On |
| Home Emergency Cover limit i | £1,000.00 |
| Minimum Excess i | £0.00 |
| Internal plumbing and drainage i | |
| External Drainage i | |
| Burst or damaged pipes i | |
| Toilet unit i | |
| Root damage cover i | |
| Primary Heating System i | |
| Temporary Emergency Heating i | |
| Internal gas supply pipe cover i | |
| Boiler Age Exclsuions i | No Exclusion |
| Annual boiler service i | |
| Age of boiler to qualify for a beyond economic repair contribution i | No Exclusion |
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i | £0.00 |
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i | £0.00 |
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i | £0.00 |
| Domestic Power supply covered? i | |
| Roof damage i | Covered under the home emergency policy |
| Pest infestation cover i | |
| Underwriter i | Liverpool Victoria Financial Services Limited |
| Maximum Excess i | £0.00 |
| Alternative Accommodation Cover i | £250.00 |
| 24/7 Claims Helpline i | |
| Unoccupied period i | 60 |
| Water Supply Pipe Cover i | |
|---|---|
| Boiler Breakdown Cover i | |
| Home Security Cover i | |
| Lost keys Cover i | Covered under the home emergency policy |
| Cover Type i | Add-On |
| Home Emergency Cover limit i | £1,000.00 |
| Minimum Excess i | £0.00 |
| Internal plumbing and drainage i | |
| External Drainage i | |
| Burst or damaged pipes i | |
| Toilet unit i | |
| Root damage cover i | |
| Primary Heating System i | |
| Temporary Emergency Heating i | |
| Internal gas supply pipe cover i | |
| Boiler Age Exclsuions i | No Exclusion |
| Annual boiler service i | |
| Age of boiler to qualify for a beyond economic repair contribution i | No Exclusion |
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i | £0.00 |
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i | £0.00 |
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i | £0.00 |
| Domestic Power supply covered? i | |
| Roof damage i | Covered under the home emergency policy |
| Pest infestation cover i | |
| Underwriter i | Insurance Company Limited, |
| Maximum Excess i | £0.00 |
| Alternative Accommodation Cover i | £250.00 |
| 24/7 Claims Helpline i | |
| Unoccupied period i | 60 |
| 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 |
| Standard accidental damage - underground services | |
| Alternative accommodation cover limit for contents i | £25,000.00 |
| Cycles included whilst in the home i | |
| Cover for keys if lost or stolen (contents) i | Sum Insured |
| 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 |
| Matching sets (Buildings) i | 50% of the cost of replacing the undamaged parts |
| Escape of water (plus compulsory excess) i | £250.00 |
| Compulsory excess (contents) i | £100.00 |
| Additional flood excess i | £0.00 |
| Standard excess for subsidence claims | £1,000.00 |
| 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 i | £1,000,000.00 |
| Contents cover limit i | £50,000.00 |
| Underwriter | LV= |
| 24hr helpline i | |
| Unoccupied period i | 60 |
| Protection against inflation i | |
| Repairs guarantee i | |
| Amendment fee (telephone) i | £0.00 |
| Cancellation fee after 14 days i | £0.00 |
| Protected no claims discount option | |
| 24-hour claims helpline | |
| Cancellation fee before 14 days | £0.00 |
| Accidental damage - glass and sanitary wear | |
| Damage caused by freezing pipes | |
| Damage from Emergency Services | |
| Cover to break in and clear sewage pipe | |
| Garden protection | £1,000.00 |
| Blocked drains i | |
| Accidental damage cover | |
| Domestic heating fuel and metered water i | |
| Music, film or electronic data downloads | |
| Documents | Sum insured |
| Visitor's possessions | Sum Insured |
| Out in open cover | |
| Frozen Food Cover | Sum insured |
| Temporary freezer storage | |
| Theft or attempted theft i | |
| Dual contents i | |
| Escape of water or oil from appliances i | |
| Escape of water or oil from heating systems i | Sum Insured |
| Credit cards i | £5,000.00 |
| Storage fees (alternative accommodation) i | |
| Garden plants i | |
| Business equipment | £10,000.00 |
| Household removals | |
| Student's belongings i | |
| Shopping in transit i | £0.00 |
| Cover Away from Home offered for: Electronics | As Standard |
| Cover away from home offered for: money | As Standard |
| Cover away from home offered for: jewellery | As Standard |
| Cover away from home offered for: bicycles & other | Optional |
| Special events (weddings and civil ceremonies) - limit | Not Offered |
| Special events (weddings and civil ceremonies) - days | 10% of Sum Insured |
| Special events (births) - limit | Not Offered |
| Special events (births) - days | Not Offered |
| Special events (anniversaries and birthdays) - limit | Not Offered |
| Special events (anniversaries and birthdays) - days | No limit |
| Special events (religious events) - limit | 10% of Sum Insured |
| Special events (religious events) - days | No limit |
| Cover for home emergency i | |
| Cover for legal protection/expenses i | |
| Cover for items away from home? i | |
| Personal possessions cover whilst living in a nursing home or residential care setting i | £0.00 |
| Medical equipment loan i | £0.00 |
| Theft from bogus officials i | |
| Storm and flood i | |
| Fire, smoke, explosion, lightning, or earthquake i | |
| Malicious damage i | |
| Civil riot or commotion i | |
| Collisions (Including animals, trees, satellites, and moving vehicles) i | |
| Snow depth (cm) i | 30 cm in 24 hours |
| Rainfall (mm) i | 25 mm per hour |
| Windspeed (mph) i | 47mph |
| 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 |
| Standard accidental damage - underground services | |
| Alternative accommodation cover limit for contents i | £25,000.00 |
| Cycles included whilst in the home i | |
| Cover for keys if lost or stolen (contents) i | Sum Insured |
| 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 |
| Matching sets (Buildings) i | 50% of the cost of replacing the undamaged parts |
| Escape of water (plus compulsory excess) i | £350.00 |
| Compulsory excess (contents) i | £100.00 |
| Additional flood excess i | £350.00 |
| Standard excess for subsidence claims | £1,000.00 |
| 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 i | £1,000,000.00 |
| Contents cover limit i | £50,000.00 |
| Underwriter | LV= |
| 24hr helpline i | |
| Unoccupied period i | 60 |
| Protection against inflation i | |
| Repairs guarantee i | |
| Amendment fee (telephone) i | £15.00 |
| Cancellation fee after 14 days i | £25.00 |
| Protected no claims discount option | |
| 24-hour claims helpline | |
| Cancellation fee before 14 days | £0.00 |
| Accidental damage - glass and sanitary wear | |
| Damage caused by freezing pipes | |
| Damage from Emergency Services | |
| Cover to break in and clear sewage pipe | |
| Garden protection | £2,500.00 |
| Blocked drains i | |
| Accidental damage cover | |
| Domestic heating fuel and metered water i | |
| Music, film or electronic data downloads | |
| Documents | £0.00 |
| Visitor's possessions | £1,000.00 |
| Out in open cover | |
| Frozen Food Cover | £1,000.00 |
| Temporary freezer storage | |
| Theft or attempted theft i | |
| Dual contents i | |
| Escape of water or oil from appliances i | |
| Escape of water or oil from heating systems i | Sum Insured |
| Credit cards i | £500.00 |
| Storage fees (alternative accommodation) i | |
| Garden plants i | |
| Business equipment | £15,000.00 |
| Household removals | |
| Student's belongings i | |
| Shopping in transit i | £0.00 |
| Cover Away from Home offered for: Electronics | As Standard |
| Cover away from home offered for: money | As Standard |
| Cover away from home offered for: jewellery | As Standard |
| Cover away from home offered for: bicycles & other | Optional |
| Special events (weddings and civil ceremonies) - limit | 10% of sum Insured |
| Special events (weddings and civil ceremonies) - days | No limit |
| Special events (births) - limit | 10% of Sum Insured |
| Special events (births) - days | No limit |
| Special events (anniversaries and birthdays) - limit | 10% of Sum Insured |
| Special events (anniversaries and birthdays) - days | No limit |
| Special events (religious events) - limit | 10% of Sum Insured |
| Special events (religious events) - days | No limit |
| Cover for home emergency i | |
| Cover for legal protection/expenses i | |
| Cover for items away from home? i | |
| Personal possessions cover whilst living in a nursing home or residential care setting i | £10,000.00 |
| Medical equipment loan i | £0.00 |
| Theft from bogus officials i | |
| Storm and flood i | |
| Fire, smoke, explosion, lightning, or earthquake i | |
| Malicious damage i | |
| Civil riot or commotion i | |
| Collisions (Including animals, trees, satellites, and moving vehicles) i | |
| Snow depth (cm) i | Not Defined |
| Rainfall (mm) i | Not Defined |
| Windspeed (mph) i | Not Defined |
| 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 |
| Standard accidental damage - underground services | |
| Alternative accommodation cover limit for contents i | £25,000.00 |
| Cycles included whilst in the home i | |
| Cover for keys if lost or stolen (contents) i | Sum Insured |
| 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 |
| Matching sets (Buildings) i | 50% of the cost of replacing the undamaged parts |
| Escape of water (plus compulsory excess) i | £350.00 |
| Compulsory excess (contents) i | £100.00 |
| Additional flood excess i | £350.00 |
| Standard excess for subsidence claims | £1,000.00 |
| 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 i | Unlimited |
| Contents cover limit i | £150,000.00 |
| Underwriter | LV= |
| 24hr helpline i | |
| Unoccupied period i | 60 |
| Protection against inflation i | |
| Repairs guarantee i | |
| Amendment fee (telephone) i | £15.00 |
| Cancellation fee after 14 days i | £25.00 |
| Protected no claims discount option | |
| 24-hour claims helpline | |
| Cancellation fee before 14 days | £0.00 |
| Accidental damage - glass and sanitary wear | |
| Damage caused by freezing pipes | |
| Damage from Emergency Services | |
| Cover to break in and clear sewage pipe | |
| Garden protection | £1,000.00 |
| Blocked drains i | |
| Accidental damage cover | |
| Domestic heating fuel and metered water i | |
| Music, film or electronic data downloads | |
| Documents | Sum insured |
| Visitor's possessions | £2,000.00 |
| Out in open cover | |
| Frozen Food Cover | Sum insured |
| Temporary freezer storage | |
| Theft or attempted theft i | |
| Dual contents i | |
| Escape of water or oil from appliances i | |
| Escape of water or oil from heating systems i | Sum Insured |
| Credit cards i | £1,000.00 |
| Storage fees (alternative accommodation) i | |
| Garden plants i | |
| Business equipment | £15,000.00 |
| Household removals | |
| Student's belongings i | |
| Shopping in transit i | £0.00 |
| Cover Away from Home offered for: Electronics | As Standard |
| Cover away from home offered for: money | As Standard |
| Cover away from home offered for: jewellery | As Standard |
| Cover away from home offered for: bicycles & other | Optional |
| Special events (weddings and civil ceremonies) - limit | Not Offered |
| Special events (weddings and civil ceremonies) - days | 10% of Sum Insured |
| Special events (births) - limit | Not Offered |
| Special events (births) - days | Not Offered |
| Special events (anniversaries and birthdays) - limit | Not Offered |
| Special events (anniversaries and birthdays) - days | No limit |
| Special events (religious events) - limit | 10% of Sum Insured |
| Special events (religious events) - days | No limit |
| Cover for home emergency i | |
| Cover for legal protection/expenses i | |
| Cover for items away from home? i | |
| Personal possessions cover whilst living in a nursing home or residential care setting i | £10,000.00 |
| Medical equipment loan i | £0.00 |
| Theft from bogus officials i | |
| Storm and flood i | |
| Fire, smoke, explosion, lightning, or earthquake i | |
| Malicious damage i | |
| Civil riot or commotion i | |
| Collisions (Including animals, trees, satellites, and moving vehicles) i | |
| Snow depth (cm) i | Not Defined |
| Rainfall (mm) i | Not Defined |
| Windspeed (mph) i | Not Defined |
| Alternative accommodation cover limit for buildings i | £25,000.00 |
|---|---|
| Matching sets (contents) i | |
| Theft from outbuildings cover limit i | |
| Escape of water excess i | £350.00 |
| Standard accidental damage - underground services | |
| Alternative accommodation cover limit for contents i | £15,000.00 |
| Cycles included whilst in the home i | |
| Cover for keys if lost or stolen (contents) i | £750.00 |
| Keys/locks if lost or stolen (Buildings) i | £750.00 |
| Money in the home i | £250.00 |
| Replace belongings new for old i | |
| Trace and access i | £0.00 |
| Matching sets (Buildings) i | |
| Escape of water (plus compulsory excess) i | £350.00 |
| Compulsory excess (contents) i | £350.00 |
| Additional flood excess i | £0.00 |
| Standard excess for subsidence claims | £1,000.00 |
| Liability as a tenant i | £5,000.00 |
| Liability to domestic employees i | £10,000,000.00 |
| Property owner liability i | £5,000,000.00 |
| Buildings cover limit i | £1,000,000.00 |
| Contents cover limit i | £80,000.00 |
| Underwriter | LV Insurance Policy |
| 24hr helpline i | |
| Unoccupied period i | 60 |
| Protection against inflation i | |
| Repairs guarantee i | |
| Amendment fee (telephone) i | |
| Cancellation fee after 14 days i | |
| Protected no claims discount option | |
| 24-hour claims helpline | |
| Cancellation fee before 14 days | |
| Accidental damage - glass and sanitary wear | |
| Damage caused by freezing pipes | |
| Damage from Emergency Services | |
| Cover to break in and clear sewage pipe | |
| Garden protection | £0.00 |
| Blocked drains i | |
| Accidental damage cover | |
| Domestic heating fuel and metered water i | |
| Music, film or electronic data downloads | |
| Documents | £0.00 |
| Visitor's possessions | |
| Out in open cover | |
| Frozen Food Cover | sum insured |
| Temporary freezer storage | |
| Theft or attempted theft i | |
| Dual contents i | |
| Escape of water or oil from appliances i | |
| Escape of water or oil from heating systems i | |
| Credit cards i | £250.00 |
| Storage fees (alternative accommodation) i | |
| Garden plants i | |
| Business equipment | £5,000.00 |
| Household removals | |
| Student's belongings i | |
| Shopping in transit i | £0.00 |
| Cover Away from Home offered for: Electronics | Optional |
| Cover away from home offered for: money | Optional |
| Cover away from home offered for: jewellery | Optional |
| Cover away from home offered for: bicycles & other | Optional |
| Special events (weddings and civil ceremonies) - limit | 10% of sum isnured |
| Special events (weddings and civil ceremonies) - days | 60 days |
| Special events (births) - limit | 10% of sum isnured |
| Special events (births) - days | 60 days |
| Special events (anniversaries and birthdays) - limit | 10% of sum isnured |
| Special events (anniversaries and birthdays) - days | 60 days |
| Special events (religious events) - limit | 10% of sum isnured |
| Special events (religious events) - days | 60 days |
| Cover for home emergency i | |
| Cover for legal protection/expenses i | |
| Cover for items away from home? i | |
| Personal possessions cover whilst living in a nursing home or residential care setting i | £1,000.00 |
| Medical equipment loan i | £0.00 |
| Theft from bogus officials i | |
| Storm and flood i | |
| Fire, smoke, explosion, lightning, or earthquake i | |
| Malicious damage i | |
| Civil riot or commotion i | |
| Collisions (Including animals, trees, satellites, and moving vehicles) i | |
| Snow depth (cm) i | Not Defined |
| Rainfall (mm) i | Not Defined |
| Windspeed (mph) i | Not Defined |
| Alternative accommodation cover limit for buildings i | £50,000.00 |
|---|---|
| Matching sets (contents) i | |
| Theft from outbuildings cover limit i | |
| Escape of water excess i | £350.00 |
| Standard accidental damage - underground services | |
| Alternative accommodation cover limit for contents i | £25,000.00 |
| Cycles included whilst in the home i | |
| Cover for keys if lost or stolen (contents) i | sum insured |
| 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 |
| Matching sets (Buildings) i | |
| Escape of water (plus compulsory excess) i | £350.00 |
| Compulsory excess (contents) i | £350.00 |
| Additional flood excess i | £0.00 |
| Standard excess for subsidence claims | £1,000.00 |
| 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 i | £1,000,000.00 |
| Contents cover limit i | £80,000.00 |
| Underwriter | LV Insurance Policy |
| 24hr helpline i | |
| Unoccupied period i | 60 |
| Protection against inflation i | |
| Repairs guarantee i | |
| Amendment fee (telephone) i | £0.00 |
| Cancellation fee after 14 days i | £0.00 |
| Protected no claims discount option | |
| 24-hour claims helpline | |
| Cancellation fee before 14 days | |
| Accidental damage - glass and sanitary wear | |
| Damage caused by freezing pipes | |
| Damage from Emergency Services | |
| Cover to break in and clear sewage pipe | |
| Garden protection | £2,500.00 |
| Blocked drains i | |
| Accidental damage cover | Optional |
| Domestic heating fuel and metered water i | |
| Music, film or electronic data downloads | |
| Documents | sum insured |
| Visitor's possessions | |
| Out in open cover | |
| Frozen Food Cover | sum insured |
| Temporary freezer storage | |
| Theft or attempted theft i | |
| Dual contents i | |
| Escape of water or oil from appliances i | |
| Escape of water or oil from heating systems i | |
| Credit cards i | £500.00 |
| Storage fees (alternative accommodation) i | |
| Garden plants i | |
| Business equipment | £15,000.00 |
| Household removals | |
| Student's belongings i | |
| Shopping in transit i | £0.00 |
| Cover Away from Home offered for: Electronics | Optional |
| Cover away from home offered for: money | Optional |
| Cover away from home offered for: jewellery | Optional |
| Cover away from home offered for: bicycles & other | Optional |
| Special events (weddings and civil ceremonies) - limit | 10% of sum Insured |
| Special events (weddings and civil ceremonies) - days | 60 days |
| Special events (births) - limit | 10% of sum isnured |
| Special events (births) - days | 60 days |
| Special events (anniversaries and birthdays) - limit | 10% of sum isnured |
| Special events (anniversaries and birthdays) - days | 60 days |
| Special events (religious events) - limit | 10% of sum isnured |
| Special events (religious events) - days | 60 days |
| Cover for home emergency i | |
| Cover for legal protection/expenses i | |
| Cover for items away from home? i | |
| Personal possessions cover whilst living in a nursing home or residential care setting i | £5,000.00 |
| Medical equipment loan i | £0.00 |
| Theft from bogus officials i | |
| Storm and flood i | |
| Fire, smoke, explosion, lightning, or earthquake i | |
| Malicious damage i | |
| Civil riot or commotion i | |
| Collisions (Including animals, trees, satellites, and moving vehicles) i | |
| Snow depth (cm) i | Not Defined |
| Rainfall (mm) i | Not Defined |
| Windspeed (mph) i | Not Defined |
| Trace and access i | £10,000.00 |
|---|---|
| Keys/locks if lost or stolen (buildings) i | Sum Insured |
| Matching sets (Buildings) i | 50% of the cost of replacing the undamaged parts |
| Alternative accommodation cover limit for buildings i | £200,000.00 |
| Blocked drains i | |
| Fire, smoke, explosion, lightning, or earthquake i | |
| Cover for collision and falling objects (including trees, animals, satellite, vehicle) i | |
| Civil riot or commotion i | |
| Cover for malicious damage | |
| Theft of attempted theft | £10,000.00 |
| Cover for storm and flood | |
| Snow depth (cm) i | 30 cm in 24 hours |
| Rainfall (mm) i | 25 mm per hour |
| Windspeed (mph) i | 47mph |
| Escape of water (plus compulsory excess) i | £250.00 |
| Buildings compulsory excess i | £100.00 |
| Escape of water excess i | £250.00 |
| Flood excess i | £100.00 |
| Unoccupied period i | 60 |
| 24hr helpline i | |
| Repairs guarentee i | |
| Cancellation fee after 14 days i | £0.00 |
| Amendment fee (telephone) i | £0.00 |
| Property owner liability i | £2,000,000.00 |
| Trace and access i | £5,000.00 |
|---|---|
| Keys/locks if lost or stolen (buildings) i | Sum Insured |
| Matching sets (Buildings) i | 50% of the cost of replacing the undamaged parts |
| Alternative accommodation cover limit for buildings i | £50,000.00 |
| Blocked drains i | |
| Fire, smoke, explosion, lightning, or earthquake i | |
| Cover for collision and falling objects (including trees, animals, satellite, vehicle) i | |
| Civil riot or commotion i | |
| Cover for malicious damage | |
| Theft of attempted theft | Sum Insured |
| Cover for storm and flood | |
| Snow depth (cm) i | Not Defined |
| Rainfall (mm) i | Not Defined |
| Windspeed (mph) i | Not Defined |
| Escape of water (plus compulsory excess) i | £350.00 |
| Buildings compulsory excess i | £100.00 |
| Escape of water excess i | £350.00 |
| Flood excess i | £350.00 |
| Unoccupied period i | 60 |
| 24hr helpline i | |
| Repairs guarentee i | |
| Cancellation fee after 14 days i | £25.00 |
| Amendment fee (telephone) i | £15.00 |
| Property owner liability i | £5,000,000.00 |
| Trace and access i | £10,000.00 |
|---|---|
| Keys/locks if lost or stolen (buildings) i | Sum Insured |
| Matching sets (Buildings) i | 50% of the cost of replacing the undamaged parts |
| Alternative accommodation cover limit for buildings i | £100,000.00 |
| Blocked drains i | |
| Fire, smoke, explosion, lightning, or earthquake i | |
| Cover for collision and falling objects (including trees, animals, satellite, vehicle) i | |
| Civil riot or commotion i | |
| Cover for malicious damage | |
| Theft of attempted theft | Sum Insured |
| Cover for storm and flood | |
| Snow depth (cm) i | Not Defined |
| Rainfall (mm) i | Not Defined |
| Windspeed (mph) i | Not Defined |
| Escape of water (plus compulsory excess) i | £350.00 |
| Buildings compulsory excess i | £100.00 |
| Escape of water excess i | £350.00 |
| Flood excess i | £350.00 |
| Unoccupied period i | 60 |
| 24hr helpline i | |
| Repairs guarentee i | |
| Cancellation fee after 14 days i | £25.00 |
| Amendment fee (telephone) i | £15.00 |
| Property owner liability i | £5,000,000.00 |
| Matching sets (contents) i | 50% of the cost of replacing the undamaged parts |
|---|---|
| Cover for keys if lost or stolen (contents) i | Sum Insured |
| Theft from outbuildings cover limit i | £10,000.00 |
| Credit cards i | £5,000.00 |
| Amendment fee (telephone) i | £0.00 |
| Cycles included whilst in the home i | |
| Replace belongings new for old i | |
| Fire, smoke, explosion, lightning, or earthquake i | |
| Malicious damage i | |
| Civil riot or commotion i | |
| Collisions (including animals, trees, satellites, and moving vehicles) i | |
| Escape of water or oil from heating systems covered? i | |
| Escape water or oil from appliances i | |
| Storm and flood i | |
| Snow depth (cm) i | 30 cm in 24 hours |
| Rainfall (mm) i | 25 mm per hour |
| Windspeed (mph) i | 47mph |
| Contents cover limit i | £50,000.00 |
| Music, film, or electronic downloads i | |
| Documents i | Sum insured |
| Frozen Food Cover i | Sum insured |
| Business equipment i | 10,000.00 |
| Tenants improvements i | |
| Items covered whilst you are living in a nursing home, residential care? | |
| Medical equipment loan? | |
| Cover for employee's contents i | |
| Household removals | |
| Student's belongings | |
| Shopping in transit | 0 |
| Visitor's possessions i | Sum Insured |
| Temporary freezer storage | |
| Money in the home i | £500.00 |
| Theft from bogus officials | |
| Garden plants | |
| Garden protection | 1,000.00 |
| Out in open cover | |
| Alternative accommodation cover limit for contents i | £25,000.00 |
| Storage fees (alternative accommodation) i | |
| Cover for pets? i | |
| Compulsory excess (contents) i | £100.00 |
| Liability to domestic employees i | £5,000,000.00 |
| Liability as a tenant i | £10,000.00 |
| Property owner liability i | £2,000,000.00 |
| Personal assault (death benefit) i | |
| Cancellation fee before 14 days | £0.00 |
| 24-hour claims helpline | |
| Jury service | |
| 24hr helpline i | |
| Protection against inflation i | |
| Underwriter | LV= |
| Unoccupied period i | 60 |
| Protected no claims discount option | |
| Repairs guarantee | |
| Cancellation fee after 14 days i | £0.00 |
| Wedding and civil ceremonies - limits/days | Cover Limit: Not Offered / Day limit: 10% of Sum Insured |
| Births - limit/days | Cover Limit: Not Offered / Day limit: Not Offered |
| Anniversaries - Limits/days | Cover Limit: Not Offered / Day limit: No limit |
| Religious events -Limits/days | Cover Limit: 10% of Sum Insured / Day limit: No limit |
| Dual contents i | |
| Cover away from home offered for:electronics | |
| Cover away from home offered for: money | As Standard |
| Cover away from home offered for: jewellery | As Standard |
| Cover away from home offered for: bicycles & other | Optional |
| Matching sets (contents) i | 50% of the cost of replacing the undamaged parts |
|---|---|
| Cover for keys if lost or stolen (contents) i | Sum Insured |
| Theft from outbuildings cover limit i | Sum Insured |
| Credit cards i | £1,000.00 |
| Amendment fee (telephone) i | £15.00 |
| Cycles included whilst in the home i | |
| Replace belongings new for old i | |
| Fire, smoke, explosion, lightning, or earthquake i | |
| Malicious damage i | |
| Civil riot or commotion i | |
| Collisions (including animals, trees, satellites, and moving vehicles) i | |
| Escape of water or oil from heating systems covered? i | |
| Escape water or oil from appliances i | |
| Storm and flood i | |
| Snow depth (cm) i | Not Defined |
| Rainfall (mm) i | Not Defined |
| Windspeed (mph) i | Not Defined |
| Contents cover limit i | £150,000.00 |
| Music, film, or electronic downloads i | |
| Documents i | Sum insured |
| Frozen Food Cover i | Sum insured |
| Business equipment i | 15,000.00 |
| Tenants improvements i | |
| Items covered whilst you are living in a nursing home, residential care? | |
| Medical equipment loan? | |
| Cover for employee's contents i | |
| Household removals | |
| Student's belongings | |
| Shopping in transit | 0 |
| Visitor's possessions i | £2,000.00 |
| Temporary freezer storage | |
| Money in the home i | £1,000.00 |
| Theft from bogus officials | |
| Garden plants | |
| Garden protection | 1,000.00 |
| Out in open cover | |
| Alternative accommodation cover limit for contents i | £25,000.00 |
| Storage fees (alternative accommodation) i | |
| Cover for pets? i | |
| Compulsory excess (contents) i | £100.00 |
| Liability to domestic employees i | £10,000,000.00 |
| Liability as a tenant i | £15,000.00 |
| Property owner liability i | £5,000,000.00 |
| Personal assault (death benefit) i | |
| Cancellation fee before 14 days | £0.00 |
| 24-hour claims helpline | |
| Jury service | |
| 24hr helpline i | |
| Protection against inflation i | |
| Underwriter | LV= |
| Unoccupied period i | 60 |
| Protected no claims discount option | |
| Repairs guarantee | |
| Cancellation fee after 14 days i | £25.00 |
| Wedding and civil ceremonies - limits/days | Cover Limit: Not Offered / Day limit: 10% of Sum Insured |
| Births - limit/days | Cover Limit: Not Offered / Day limit: Not Offered |
| Anniversaries - Limits/days | Cover Limit: Not Offered / Day limit: No limit |
| Religious events -Limits/days | Cover Limit: 10% of Sum Insured / Day limit: No limit |
| Dual contents i | |
| Cover away from home offered for:electronics | |
| Cover away from home offered for: money | As Standard |
| Cover away from home offered for: jewellery | As Standard |
| Cover away from home offered for: bicycles & other | Optional |
| Matching sets (contents) i | 50% of the cost of replacing the undamaged parts |
|---|---|
| Cover for keys if lost or stolen (contents) i | Sum Insured |
| Theft from outbuildings cover limit i | Sum Insured |
| Credit cards i | £500.00 |
| Amendment fee (telephone) i | £15.00 |
| Cycles included whilst in the home i | |
| Replace belongings new for old i | |
| Fire, smoke, explosion, lightning, or earthquake i | |
| Malicious damage i | |
| Civil riot or commotion i | |
| Collisions (including animals, trees, satellites, and moving vehicles) i | |
| Escape of water or oil from heating systems covered? i | |
| Escape water or oil from appliances i | |
| Storm and flood i | |
| Snow depth (cm) i | Not Defined |
| Rainfall (mm) i | Not Defined |
| Windspeed (mph) i | Not Defined |
| Contents cover limit i | £50,000.00 |
| Music, film, or electronic downloads i | |
| Documents i | £0.00 |
| Frozen Food Cover i | £1,000.00 |
| Business equipment i | 15,000.00 |
| Tenants improvements i | |
| Items covered whilst you are living in a nursing home, residential care? | |
| Medical equipment loan? | |
| Cover for employee's contents i | |
| Household removals | |
| Student's belongings | |
| Shopping in transit | 0 |
| Visitor's possessions i | £1,000.00 |
| Temporary freezer storage | |
| Money in the home i | £500.00 |
| Theft from bogus officials | |
| Garden plants | |
| Garden protection | 2,500.00 |
| Out in open cover | |
| Alternative accommodation cover limit for contents i | £25,000.00 |
| Storage fees (alternative accommodation) i | |
| Cover for pets? i | |
| Compulsory excess (contents) i | £100.00 |
| Liability to domestic employees i | £10,000,000.00 |
| Liability as a tenant i | £10,000.00 |
| Property owner liability i | £5,000,000.00 |
| Personal assault (death benefit) i | |
| Cancellation fee before 14 days | £0.00 |
| 24-hour claims helpline | |
| Jury service | |
| 24hr helpline i | |
| Protection against inflation i | |
| Underwriter | LV= |
| Unoccupied period i | 60 |
| Protected no claims discount option | |
| Repairs guarantee | |
| Cancellation fee after 14 days i | £25.00 |
| Wedding and civil ceremonies - limits/days | Cover Limit: 10% of sum Insured / Day limit: No limit |
| Births - limit/days | Cover Limit: 10% of Sum Insured / Day limit: No limit |
| Anniversaries - Limits/days | Cover Limit: 10% of Sum Insured / Day limit: No limit |
| Religious events -Limits/days | Cover Limit: 10% of Sum Insured / Day limit: No limit |
| Dual contents i | |
| Cover away from home offered for:electronics | |
| Cover away from home offered for: money | As Standard |
| Cover away from home offered for: jewellery | As Standard |
| Cover away from home offered for: bicycles & other | Optional |
| Matching sets (contents) i | |
|---|---|
| Cover for keys if lost or stolen (contents) i | sum insured |
| Theft from outbuildings cover limit i | |
| Credit cards i | £500.00 |
| Amendment fee (telephone) i | |
| Cycles included whilst in the home i | |
| Replace belongings new for old i | |
| Fire, smoke, explosion, lightning, or earthquake i | |
| Malicious damage i | |
| Civil riot or commotion i | |
| Collisions (including animals, trees, satellites, and moving vehicles) i | |
| Escape of water or oil from heating systems covered? i | |
| Escape water or oil from appliances i | |
| Storm and flood i | |
| Snow depth (cm) i | Not Defined |
| Rainfall (mm) i | Not Defined |
| Windspeed (mph) i | Not Defined |
| Contents cover limit i | £80,000.00 |
| Music, film, or electronic downloads i | |
| Documents i | sum insured |
| Frozen Food Cover i | sum insured |
| Business equipment i | 15,000.00 |
| Tenants improvements i | |
| Items covered whilst you are living in a nursing home, residential care? | |
| Medical equipment loan? | |
| Cover for employee's contents i | |
| Household removals | |
| Student's belongings | |
| Shopping in transit | 0 |
| Visitor's possessions i | |
| Temporary freezer storage | |
| Money in the home i | £500.00 |
| Theft from bogus officials | |
| Garden plants | |
| Garden protection | 2,500.00 |
| Out in open cover | |
| Alternative accommodation cover limit for contents i | £25,000.00 |
| Storage fees (alternative accommodation) i | |
| Cover for pets? i | |
| Compulsory excess (contents) i | £350.00 |
| Liability to domestic employees i | £10,000,000.00 |
| Liability as a tenant i | £10,000.00 |
| Property owner liability i | £5,000,000.00 |
| Personal assault (death benefit) i | |
| Cancellation fee before 14 days | |
| 24-hour claims helpline | |
| Jury service | |
| 24hr helpline i | |
| Protection against inflation i | |
| Underwriter | LV Insurance Policy |
| Unoccupied period i | 60 |
| Protected no claims discount option | |
| Repairs guarantee | |
| Cancellation fee after 14 days i | |
| Wedding and civil ceremonies - limits/days | Cover Limit: 10% of sum Insured / Day limit: 60 |
| Births - limit/days | Cover Limit: 10% of sum isnured / Day limit: 60 |
| Anniversaries - Limits/days | Cover Limit: 10% of sum isnured / Day limit: 60 |
| Religious events -Limits/days | Cover Limit: 10% of sum isnured / Day limit: 60 |
| Dual contents i | |
| Cover away from home offered for:electronics | |
| Cover away from home offered for: money | Optional |
| Cover away from home offered for: jewellery | Optional |
| Cover away from home offered for: bicycles & other | Optional |
| Matching sets (contents) i | |
|---|---|
| Cover for keys if lost or stolen (contents) i | £750.00 |
| Theft from outbuildings cover limit i | |
| Credit cards i | £250.00 |
| Amendment fee (telephone) i | |
| Cycles included whilst in the home i | |
| Replace belongings new for old i | |
| Fire, smoke, explosion, lightning, or earthquake i | |
| Malicious damage i | |
| Civil riot or commotion i | |
| Collisions (including animals, trees, satellites, and moving vehicles) i | |
| Escape of water or oil from heating systems covered? i | |
| Escape water or oil from appliances i | |
| Storm and flood i | |
| Snow depth (cm) i | Not Defined |
| Rainfall (mm) i | Not Defined |
| Windspeed (mph) i | Not Defined |
| Contents cover limit i | £80,000.00 |
| Music, film, or electronic downloads i | |
| Documents i | £0.00 |
| Frozen Food Cover i | sum insured |
| Business equipment i | 5,000.00 |
| Tenants improvements i | |
| Items covered whilst you are living in a nursing home, residential care? | |
| Medical equipment loan? | |
| Cover for employee's contents i | |
| Household removals | |
| Student's belongings | |
| Shopping in transit | 0 |
| Visitor's possessions i | |
| Temporary freezer storage | |
| Money in the home i | £250.00 |
| Theft from bogus officials | |
| Garden plants | |
| Garden protection | 0 |
| Out in open cover | |
| Alternative accommodation cover limit for contents i | £15,000.00 |
| Storage fees (alternative accommodation) i | |
| Cover for pets? i | |
| Compulsory excess (contents) i | £350.00 |
| Liability to domestic employees i | £10,000,000.00 |
| Liability as a tenant i | £5,000.00 |
| Property owner liability i | £5,000,000.00 |
| Personal assault (death benefit) i | |
| Cancellation fee before 14 days | |
| 24-hour claims helpline | |
| Jury service | |
| 24hr helpline i | |
| Protection against inflation i | |
| Underwriter | LV Insurance Policy |
| Unoccupied period i | 60 |
| Protected no claims discount option | |
| Repairs guarantee | |
| Cancellation fee after 14 days i | |
| Wedding and civil ceremonies - limits/days | Cover Limit: 10% of sum Insured / Day limit: 60 |
| Births - limit/days | Cover Limit: 10% of sum isnured / Day limit: 60 |
| Anniversaries - Limits/days | Cover Limit: 10% of sum isnured / Day limit: 60 |
| Religious events -Limits/days | Cover Limit: 10% of sum isnured / Day limit: 60 |
| Dual contents i | |
| Cover away from home offered for:electronics | |
| Cover away from home offered for: money | Optional |
| Cover away from home offered for: jewellery | Optional |
| Cover away from home offered for: bicycles & other | Optional |
| 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 | £2,000.00 |
| Loss of PETS passport or other travel documents i | £500.00 |
| Emergency expenses abroad i | £1,000.00 |
| Maximum number of days abroad i | 365 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 |
| 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 | £2,000.00 |
| Loss of PETS passport or other travel documents i | £500.00 |
| Emergency expenses abroad i | £1,000.00 |
| Maximum number of days abroad i | 365 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 |
| 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 | £2,000.00 |
| Loss of PETS passport or other travel documents i | £500.00 |
| Emergency expenses abroad i | £1,000.00 |
| Maximum number of days abroad i | 365 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 |
| 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 | £1,500.00 |
| Loss of PETS passport or other travel documents i | £250.00 |
| Emergency expenses abroad i | £750.00 |
| Maximum number of days abroad i | 365 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 |
| 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 | £1,500.00 |
| Loss of PETS passport or other travel documents i | £250.00 |
| Emergency expenses abroad i | £750.00 |
| Maximum number of days abroad i | 365 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 cover limit i | £500.00 |
| Cutting trip short cover limit i | £10,000.00 |
| Abandoning your trip cover limit i | £10,000.00 |
| Natural disaster relocation cover i | |
| Natural disaster baggage cover i | |
| Max trip duration i | 90 days |
| 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 cover limit i | £0.00 |
| Cutting trip short cover limit i | £10,000.00 |
| Abandoning your trip cover limit i | £10,000.00 |
| Natural disaster relocation cover i | |
| Natural disaster baggage cover i | |
| Max trip duration i | 90 days |
| 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 cover limit i | £500.00 |
| Cutting trip short cover limit i | £5,000.00 |
| Abandoning your trip cover limit i | £0.00 |
| Natural disaster relocation cover i | |
| Natural disaster baggage cover i | |
| Max trip duration i | 31 days |
| 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 cover limit i | £0.00 |
| Cutting trip short cover limit i | £5,000.00 |
| Abandoning your trip cover limit i | £0.00 |
| Natural disaster relocation cover i | |
| Natural disaster baggage cover i | |
| Max trip duration i | 31 days |
| 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 | £500.00 |
| Cutting trip short cover limit i | £10,000.00 |
| Missed departure cover limit i | £1,000.00 |
| Abandoning your trip 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 cover limit i | £50.00 |
| 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 cover limit i | £10,000.00 |
| Missed departure cover limit i | £1,000.00 |
| Abandoning your trip 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 cover limit i |
| 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 | £500.00 |
| Cutting trip short cover limit i | £5,000.00 |
| Missed departure cover limit i | £0.00 |
| Abandoning your trip 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 cover limit i | £50.00 |
| 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 cover limit i | £5,000.00 |
| Missed departure cover limit i | £0.00 |
| Abandoning your trip 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 cover limit i |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |