No cover is provided if you're travelling to receive treatment or get medical advice or if you know you'll need treatment while you’re away. About LV=Travel Insurance 10% online discount on LV= travel insurance Choose from either Essential or our 5 Star Defaqto rated Premier cover, which offers: • Up to £10,000 cancellation cover • All pre-existing medical conditions considered • No upper age limit for single trips Defaqto are a leading UK independent financial research company, specialising in rating, comparing and analysing financial products. A child is any insured person, other than the policyholder and the policyholder's spouse or partner, who is aged 21 years or under and named on the schedule. AAS BALTA Terms and Conditions of General Civil Liability Insurance of Private Person’s No. 0 Each person shown on the schedule, for whom the appropriate insurance premium has been paid. Get an extra 10% discount on Travel Insurance when you buy online*. If you think you may have to cut your trip short, please tell us immediately by calling the 24 hour emergency medical assistance line. Your trip is from the trip start date to the cover end date shown on your schedule. :��t^�,t��A��8V����~:z�2UDig�o΢���\^tM���4�?��ګ �s=�q� ��:�B��}h�S%=4�Ck�(tw1�L� I�� � a c4��L�̻�,F���w� �u � Please refer to your policy for the full terms and conditions. 810 0 obj <> endobj If you’re happy with that, just continue using the site. Also, any costs that you're ordered to pay by a court or arbitrator (other than damages, fines and penalties) or any other costs we agree to pay. Winner of the Which Insurance provider of the year 2017 awards, LV provides two levels of cover including the five star rated Premier Policy. A trip can't be more than 366 days if you are less than 65 years of age or more than 90 days if you're 65 years of age or over. Albania, Andorra, Austria, Azores, Balearic Islands, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Canary Islands, Channel Islands, Croatia, Cyprus, Czech Republic, Denmark, Egypt, England, Estonia, Finland, Former Yugoslav Republic of Macedonia, France, Germany, Gibraltar, Greece, Greek Islands, Hungary, Iceland, Ireland, Isle of Man, Italy, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Northern Ireland, Norway, Poland, Portugal, Romania, Russia west of the Ural mountains, San Marino, Scotland, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey, Ukraine, Wales and Vatican City State. Annual travel insurance (Multi trip insurance). Page 1 of 18 7��2���Q�N�b X���4�[�A/ܭ�B����F烦�F�-�!4.�W�nU��. If you are quarantined as a result of COVID-19, you could be covered under the Trip Cancellation or Curtailment benefit, subject to the terms and conditions of your insurance policy. Please refer to the policy wording for full details. LV's travel insurance policy is underwritten by Liverpool Victoria Insurance Company Limited. If the activity you want to do isn't listed, please contact us with the details - we may be able to cover you. No matter which destination or area of cover you select when you buy your policy, your LV= travel insurance will not cover you if you travel to somewhere the Foreign, Commonwealth and Development Office (FCDO) advise not to go to. 7kh vfkhph lv rswlrqdo krzhyhu li wkh rswlrq lv h[huflvhg lw zloo eh frpsxovru\ iru doo sdvvhqjhuv errnhg xqghu rqh 315 qxpehu 7kh suhplxp z h i 2fw lv 5h sdlvh shu sdvvhqjhu lqfoxvlyh ri doo wd[hv &xvwrphu vkdoo uhfhlyh wkh srolf\ lqirupdwlrq wkurxjk 606 dqg rq wkhlu If you are logged out of your account, the rates shown will be the Plus member rates. Single trip or annual multi-trip cover; Medical expenses cover; 24-hour worldwide assistance; Legal expenses; Buy … As an insurer, our details are: Liverpool Victoria Insurance Company Limited, registered in England and Wales number 3232514, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, register number 202965. 3 KEY FACTS OF LV= TRAVEL INSURANCE n You must take care to protect yourself and your property and act as if you are not insured. For single trip cover - cancellation cover begins from the cover start date shown on your schedule and ends when you start your trip. Cancellation cover provides cover for costs you've paid if you have to cancel a trip because of the sudden and unexpected illness of you, a close relative or travelling companion. ����6i���]ɀI i27`$���j�����9,5Ɲ���ø��K[�DMb�2��v�dR Our Premier policy provides up to £500 cover for your valuables and our Essential policy gives you up to £300 cover. Hello and welcome to Travel Insurance 4 Medical. An insurer is a provider of insurance. Whether you have high blood pressure, diabetes, cancer or anything else, you must declare it. A premium is the amount you pay for your policy and includes Insurance Premium Tax (IPT). InsureandGo says policies will not cover Covid-19, while Staysure continues to sell travel insurance and travel disruption cover. This can't include you, a travelling companion, someone you work with or a relative. Furthermore, all volunteer projects require valid travel insurance; this is mandatory for all volunteers, on all projects. 4101.02 TRAVEL INSURANCE TERMS AND CONDITIONS This is the English translation of insurance terms and conditions and can be used for informational purposes only. If you have a baggage claim, we won't pay the first £50 of your claim. Exclusions are things that your insurance won't cover, such as fraud. 12 Mar 2020 Is to provide cover for unexpected emergency medical treatment costs and to arrange to get you back home if you're too unwell to continue your trip (please note that emergency medical treatment costs are not available if you only have UK cover because the NHS will cover these). You can view the full travel insurance policy document when you book your flight. These activities are only covered if you have a Premier policy. endstream endobj 811 0 obj <>/Metadata 56 0 R/Names 829 0 R/OpenAction 812 0 R/Outlines 846 0 R/PageMode/UseOutlines/Pages 805 0 R/StructTreeRoot 71 0 R/Type/Catalog/ViewerPreferences<>>> endobj 812 0 obj <> endobj 813 0 obj <>/ExtGState<>/Font<>/ProcSet[/PDF/Text]>>/Rotate 0/StructParents 0/Tabs/S/TrimBox[0.0 0.0 396.85 561.26]/Type/Page>> endobj 814 0 obj <>stream An optional extra is an additional feature, such as cover for winter sports or baggage, personal belongings and money, that you may wish to buy when you take out your policy. If you have or have had a more serious pre-existing medical condition and are struggling to find travel insurance, the Money Advice Service medical directory may be able to help. Your trip is from the trip start date to the cover end date shown on your schedule. DOCUMENT OF INSURANCE TRAVEL 2 Contents Page Welcome to LV= 1 Summary of policy limits 3 Your travel insurance policy 5 Definition of words 6 Important information about your policy 10 Important information about health declarations and health exclusions 13 General exclusions 15 General conditions 16 Activities 18 Section A: If you need to cancel your trip before you travel 20 Spending some time reviewing and planning your trip by looking at the information on their Travel Aware page can help you stay safe and healthy while you're away. The government has advised against non-essential travel. Travel insurance will be in effect also for domestic trips; If COVID‑19 illness is diagnosed while travelling, the insurer shall compensate all expenses incurred in the first 14 days of travelling in relation to provision of medical aid abroad Familiarise with the new terms and conditions of credit card travel insurance … Defaqto delivers timely and accurate information to all layers of the financial services sector including banks, insurers, advisers, comparison web sites, regulatory agencies and consumers. For all other sections, cover starts at the beginning of your trip and finishes on the cover end date shown on your schedule, or when your trip ends if that is earlier. [4] W*kaC>i1�>�Yow�HŹ��s��fSC�n�/.ˑ��sơSgE6��9W��&h6��X�t In case of conclusion of insurance contract only insurance terms and conditions in Latvian are binding. h�bbd``b`�$�A���$�x@-@�)Hp6�$t�W� Information from the FCDO can be found at https://www.gov.uk/government/organisations/foreign-commonwealth-development-office or by calling 020 7008 1500. You don’t know how good you insurance company is until you make a claim and with LV I’ve always had good service when claiming on my House,Car and Travel policies. A journey that takes place during the period of cover which begins when you leave home and ends when you get back home, or to a hospital or nursing home in the United Kingdom, whichever is earlier. It is not uncommon for suppliers (e.g. l=8[��\l�t?d���)��zF�� �k����bI���� R2�u��c�8��h���T��\w�c��+���a���{�l5���&�vWGG�J����O˻���y���5 �H�ü�? Each of your suitcases, trunks and similar containers (including their contents), possessions and items you wear, carry or use, that are taken on or purchased during a trip by you, but not valuables (which are defined below). Please refer to your travel document of insurance for full details of your policy’s exclusions. This amount applies to each claim but does not apply to all sections of the policy. A trip can't be more than 366 days if you are less than 65 years of age or more than 90 days if you're 65 years of age or over. Ernest Wirral We provide cover to travellers over 65 (life begins at 60, after all) Personal accident cover insures you against certain accidents resulting in the loss of sight, loss of limbs or total permanent disablement. We cover you for off piste skiing and snowboarding when skiing within the ski area boundaries of a recognised ski resort and following ski patrol guidelines. A renewal notice is an invitation we send to you at least 21 days before your annual policy is up for renewal and due to expire. We specialise in providing travel insurance for people who have medical conditions but don't want to be held back by them. All our policy benefits are subject to terms, conditions and exclusions. The pages of this site are for information on travel insurance only and do not constitute a financial recommendation. Uh(�ά���E6��v�=�I�}���(/��^}���}��g�XOq�9Ƨ��K�%4�͎Ʈ05�����h��1�g���H}3�R�(^��T�kbV� endstream endobj startxref By adding winter sports to a single trip policy, we'll cover you up to 31 days, if you need cover for longer please call us to discuss your requirements. The Money Advice Service Medical Directory. For all your car, home, travel, pet and other insurance enquiries, For all life insurance, investments retirement support, https://www.gov.uk/government/organisations/foreign-commonwealth-development-office, There's no limit on the number of trips you take during the period of cover, Any trip that's booked to last longer than 31 days is not covered on the Essential policy, Any trip that's booked to last longer than 90 days is not covered on the Premier policy, A circulatory condition such as strokes or high blood pressure, A gastrointestinal or digestive tract problem, Medical investigation or tests for any conditions or symptoms that relate to a diagnosed condition, Treatment or surgery for any conditions or symptoms that relate to a diagnosed condition, Prescribed medication for any conditions or symptoms that relate to a diagnosed condition, Name of the policyholder and additional travellers (if applicable), Any medical conditions that may vary the terms of your insurance, A trip can’t be more than 366 days if you are less than 65 years of age, or more than 90 days if you're  65 years of age or over. News; ... LV= covers travellers with health conditions. Airlines, Cruise Liners and Hotels) to sell out, alter or withdraw prices including advertised special rates. Advice from the Foreign, Commonwealth and Development Office is available to help you prepare for travelling abroad. At the Portal, you enjoy an opportunity to check out your travel insurance policy cover, terms and conditions. n The policy does not cover any trip which has already begun before your cover start date. 869 0 obj <>stream Quotes, Rates and Price Variations:Our quotation system accesses both live pricing and static pricing depending upon the supplier. Life insurer Liverpool Victoria, known as LV=, is considering putting itself up for sale in a deal that could be worth up to £1bn. hެ��r�8ǟ��A&s��%�?��d�@Ih�& ���c2 The person named as the policyholder on the schedule. This cover has limits that may not be enough for expensive items such as photographic or video equipment. Travel update: ... We specialise in covering people with pre-existing medical conditions, with tailored travel insurance to suit their personal and medical needs. You make a claim when you ask your insurer to pay you the sum of money that's owed to you under the terms of your insurance policy. Adventure activities are listed under the Activities section of your policy. For annual multi-trip cover - cancellation cover begins on the cover start date shown on your schedule or the date you booked your trip, whichever is later, and ends when you start your trip (or when your policy cover ends if earlier and the policy isn’t renewed). LV= Travel Insurance Cashback is available through TopCashback on genuine, tracked transactions completed immediately and wholly online. A colleague is a person in the UK who works for the same company as you and who, if away from work at the same time as you, would prevent the business from running properly. h�b```b``�d`a`�``@ �+sl����1=g~��ɏ�:�W��]�]��C��s��ٳ�̹w3 �]��w Learn more about cookies. Children aged 16-21 years can be covered when travelling unaccompanied if you select this option and it's shown on your schedule.