lv travel insurance policy wording

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The latest versions of the travel insurance policy wording for each of our products.

Travel Insurance Policy Terms & Conditions

Last updated 1st September 2023

How to view

If you would like to view any document, simply select one of the links below to download the file. The documents are in PDF format, so it’s easy for you to print or download a copy of them.

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Below are the latest versions of the travel insurance policy wordings for each of our products.

For policies purchased on or after 1st September 2023

Annual multi trip & single trip.

• Annual Multi Trip & Single Trip Travel Insurance PDF 841KB Download
• Backpacker Travel Insurance PDF 900KB Download

Insurance Product Information Document (IPID)

Annual multi trip & single trip insurance.

• Silver Cover PDF 601KB Download
• Gold Cover PDF 601KB Download
• Platinum Cover PDF 601KB Download

Backpacker Travel Insurance

If you purchased your policy prior to 1st September 2023 and require a copy of your Policy Wording or IPID please email us at [email protected] .

Coronavirus Update & FAQs

We now provide cover for Covid-19 on our policies, click here to find out more

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Below are links to our Policy Wordings (PW) and Insurance Product Information Documents (IPID) which outline the cover available for each Alpha product.

If you require a policy wording which was issued before the 1st May 2015, you can request a copy by  contacting our claims team and quoting your policy number.

For policies issued from 01/03/2024 to 28/02/2025

*Your Excess will be as per your policy schedule and what you selected when purchasing your policy*

Single Trip & Multi Trip

Policy Wording

Wintersports

Additional Optional Extensions

COVID-19 Extension

Terms of Business & How we use your Personal Information

Alpha Terms

For policies issued from 19/12/2023 to 29/02/2024

For policies issued from 01/03/2023 to 18/12/2023, for policies issued from 08/03/2022 to 28/02/2023.

Alpha 175 PW   Alpha 150 PW   Alpha 100 PW   Alpha 75 PW   Alpha 50 PW   Alpha Zero PW

Alpha 175 IPID   Alpha 150 IPID   Alpha 100 IPID   Alpha 75 IPID   Alpha 50 IPID   Alpha Zero IPID

Alpha 175 IPID    Alpha 150 IPID   Alpha 100 IPID   Alpha 75 IPID   Alpha 50 IPID   Alpha Zero IPID

Alpha 175 IPID   Alpha 15 0 IPID   Alpha 100 IPID   Alpha 75 IPID   Alpha 50 IPID   Alpha Zero IPID

For policies issued from 08/07/2021 to 31/10/2021

Alpha 175 PW   Alpha 150 PW   Alpha 100 PW   Alpha 75 PW   Alpha 50 PW   Alpha Zero PW Alpha Diamond PW   Alpha Staycation Plus PW

Alpha 175 IPID   Alpha 150 IPID   Alpha 100 IPID   Alpha 75 IPID   Alpha 50 IPID   Alpha Zero IPID Alpha Diamond IPID Alpha Staycation Plus IPID

Festival & Event Cancellation Extension

Interrail Extension

Zero Excess on Deposit-Only Cancellation Information

For policies issued from 26/11/2020 to 07/07/2021

For policies issued from 12/11/2020 to 25/11/2020, for policies issued from 01/11/2020 to 11/11/2020, for policies issued from 24/09/2020 to 31/10/2020, for policies issued from 12/08/2020 to 23/09/2020, for policies issued from 14/03/2020 to 11/08/2020, for policies issued from 01/11/2019 to 13/03/2020, for policies issued from 06/10/2019 to 31/10/2019, for policies issued from 01/05/2019 to 05/10/2019.

Alpha 175 PW    Alpha 150 PW   Alpha 100 PW   Alpha 75 PW   Alpha 50 PW   Alpha Zero PW

For policies issued from 01/11/2018 to 31/04/2019

For policies issued from 01/11/2017 to 31/10/2018.

Alpha 250 PW   Alpha 175 PW   Alpha 150 PW   Alpha 100 PW   Alpha 75 PW   Alpha 50 PW   Alpha Zero PW

Alpha 250 IPID   Alpha 175 IPID   Alpha 150 IPID   Alpha 100 IPID   Alpha 75 IPID   Alpha 50 IPID   Alpha Zero IPID

Alpha 250 PW   Alpha 175 PW    Alpha 150 PW   Alpha 100 PW   Alpha 75 PW   Alpha 50 PW   Alpha Zero PW

Alpha 250 IPID   Alpha 175 IPID    Alpha 150 IPID   Alpha 100 IPID   Alpha 75 IPID   Alpha 50 IPID   Alpha Zero IPID

For policies issued from 08/08/2017 to 31/10/2017

Alpha 250   Alpha 150   Alpha 100   Alpha 75   Alpha 50   Alpha Zero

For policies issued from 22/03/2017 to 08/08/2017

Alpha 250 Alpha 150 Alpha 100 Alpha 60 Alpha 50 Alpha Zero

For policies issued from 1/11/2016 to 22/03/2017

For policies issued from 1/04/2016 to 30/10/2016.

Multi Trip (with wintersports extension)

Multi Trip (without wintersports extension)

For policies issued from 01/05/2015 to 31/03/2016

• Terms & Conditions
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Alpha Travel Insurance is a trading name of Travel Insurance Facilities Plc, which is authorised and regulated by the Financial Conduct Authority FRN306537. tifgroup is trading name of Travel Insurance Facilities Plc registered in England No. 3220410. tifgroup; all rights reserved. Registered Office: 1 Tower View, Kings Hill, West Malling, ME19 4UY. All policies offered are on a non-advised basis

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Travel Insurance Policy Documents

Select your product below.

Latest policy documents

Policy Wordings

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Packaged Bank Account Travel Insurance

Have peace of mind when you're on holiday with travel insurance that covers you.

About Travel Insurance as part of Packaged Bank Accounts

Travel Insurance, administered by AWP Assistance UK Ltd (trading as Allianz Assistance) and underwritten by AWP P&C SA, is just one of the insurance benefits that come with our Packaged Bank Accounts . Our Silver & Platinum Accounts are packed with benefits including Family travel insurance, AA Breakdown Family Cover and mobile phone insurance for a monthly fee to maintain the account.

Travel Insurance is also a benefit on the Premier , and  Gold  accounts however these are no longer available to new customers.

If you’re a Platinum, Premier, Gold or Silver account customer, please read our FAQs (PDF, 145KB) for more information about the travel insurance which comes with your account and COVID-19. You can also visit our payment disputes page , for help if your travel has been disrupted.

Compare accounts

How do I make a claim?

You can log your claim online using the Allianz Assistance Hub that can be securely accessed through your mobile banking app or by using Internet Banking. You can also make a claim by calling Allianz Assistance on  +44 (0)345 850 5300 .

Eligibility for each account

I have a silver account expandable section.

If you have a Silver Account the account comes with European Travel Insurance for you and your family (if eligible) including Winter Sports. This insurance policy is administered by AWP Assitance UK Ltd (trading as Allianz Assitance) and underwritten by AWP P&C SA.

Am I eligible for cover?

• All cover under the policy stops on the account holders 65th birthday - as long as the account holder is under 65, their spouse, civil partner or partner will be covered until they reach 65 years of age.
• Children must be 18 or under, or 24 or under if they're in full time education and must travel with the account holder, their spouse, partner, civil partner or a responsible adult. There's cover for a dependent child where they are staying with a responsible adult even if they were not accompanied during their travel to the destination.
• Subject to continued eligibility, you and your family are covered for travel within Europe as long as your Silver account is open.
• Keep in mind the cover is provided only if you will be living in the United Kingdom for at least six months during each 12 month period where all trips must start and end.

Medical conditions that you or your family have (or have had), which are not all on the ‘No Screen Conditions’ list in your policy document are not covered by this policy. To see if these can be covered you must call the insurer declaring all medical conditions, including those on the list and an extra cost may apply.  Before you book a trip you also need to let the insurer know of any new conditions or changes to existing ones. Please refer to the Silver welcome pack (PDF, 1.7MB) for full details of any exclusions.

Once your account has been opened should you wish to notify the insurer of any medical conditions please call the number below.

• Silver Account:  0345 603 1839

Lines are open 24/7.

Not all Telephone Banking services are available 24 hours a day, seven days a week. Please speak to an advisor for more information.

I have a Gold, Platinum or Premier Account expandable section

If you have a Gold, Platinum or Premier Account,  the account comes with Worldwide Travel Insurance for you and your family (if eligible) including Winter Sports. This insurance policy is administered by AWP Assistance UK Ltd (trading as Allianz Assistance) and underwritten by AWP P&C SA.

• All cover under the policy stops on the account holders 80th birthday - as long as the account holder is under 80, their spouse, civil partner or partner will be covered until they reach 80 years of age.
• Subject to continued eligibility, you and your family are covered for worldwide travel as long as your Lloyds Bank Gold, Platinum or Premier account is open.
• Keep in mind there is only cover for losses suffered whilst you are a UK, Channel Islands or Isle of Man resident and are registered with a Doctor in the UK where all trips must start and end.

Medical conditions that you or your family have (or have had), which are not all on the ‘No Screen Conditions’ list in your policy document are not covered by this policy. To see if these can be covered you must call the insurer declaring all medical conditions, including those on the list and an extra cost may apply. Before you book a trip you also need to let the insurer know of any new conditions or changes to existing ones. Please refer to the relevant policy document for full details of any exclusions.

Once your account has been opened should you wish to notify the insurer of any medical conditions please call the appropriate number below.

• Gold Account:  0345 850 5056
• Platinum Account:  0345 850 5300
• Premier Account:  0345 604 0440

What does my insurance come with?

• Multi-trip  European  travel cover for you and your family (includes, if eligible, your spouse, civil partner or partner and children)
• Includes golf cover and cover for certain sports and leisure activities
• Covers UK leisure travel when two or more nights' accommodation is pre-booked (five nights for business trips)
• There's cover for you or someone covered under the policy if a booked trip needs to be cancelled because either you or they, or a companion you are travelling with is asked to quarantine on an individual basis because of exposure to a contagious disease
• Emergency medical cover (up to £10,000,000)
• Cancellation or curtailment cover (up to £5,000)
• Personal accident cover (up to £30,000)
• Baggage cover (up to £2,500, £500 of which for valuables)
• Travel disruption cover (up to £5,000)

Important note :

• The standard maximum trip duration is 31 consecutive days
• For Winter Sports maximum 31 days cover in any calendar year
• £75 excess per adult per incident may apply
• Other exclusions apply, see policy documents

Gold, Platinum and Premier Accounts

• Multi-trip  Worldwide  travel cover for you and your family (includes, if eligible, your spouse, civil partner or partner and children)
• The standard maximum trip duration is 31 consecutive days - unless you are a Premier account holder, which is 62 consecutive days
• Gold and Premier accounts unavailable to new customers

Policy documents expandable section

• Silver Account Welcome Pack opens in a new window (pdf, 2.1 MB)
• Gold Account Welcome Pack opens in a new window (pdf, 1.3 MB)
• Platinum Account Welcome Pack opens in a new window (pdf, 2.6 MB)
• Premier Account Welcome Pack opens in a new window (pdf, 1.4 MB)

Important and emergency telephone numbers expandable section

You can find out more information about your travel insurance, or make a claim using the appropriate membership numbers below.

• Silver Account: 0345 603 1839
• Gold Account: 0345 850 5056
• Platinum Account: 0345 850 5300
• Premier Account: 0345 604 0440

Lines are open 24/7. Not all Telephone Banking services are available 24 hours a day, seven days a week. Please speak to an advisor for more information.

24-hour assistance helpline (outside the UK):   +44 (0)208 239 4010 .

Packaged Bank Account benefits

Explore the other benefits of a Packaged Bank Account. Our Silver & Platinum Accounts include Family travel insurance, AA Breakdown Family Cover and mobile phone insurance for a monthly fee to maintain the account.

Mobile phone insurance

AA Breakdown Family Cover

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Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

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