European and UK Travel Insurance

Get travel insurance that covers you for as long as your Added Value Account is active. You can enjoy European Travel Insurance with your Silver Account, or Worldwide Travel Insurance with Gold, Platinum or Premier accounts.

European and UK Travel Insurance with your Silver Account

European Travel Insurance for you and your partner (includes your spouse, civil partner or partner) begins automatically the day you open your Silver account. You and your partner are covered for travel within Europe as long as your Silver account is active and you are both under 65 years of age. Existing medical conditions are not covered; please refer to your terms and conditions.

European Travel Insurance Cover Silver Account
Advice before you travel including help with visa requirements, required inoculations and time differences Yes
Help while you’re away including replacing medicines, tracing lost luggage, transferring emergency funds Yes
New for old replacement for baggage under two years which is lost or stolen Yes
War and terrorism cover is included under the Emergency medical, Hospital benefit and Personal accident sections Yes
If you’re an Avios user, you can claim for any Avios used if you cancel a holiday, where the circumstances of your claim are covered in the terms of the policy Yes
If you use your European Health Insurance Card and make a claim for medical expenses, your £40 excess will be waived Yes
Travel disruption cover for additional protection if your travel plans are disrupted due to cancellation or delay of your booked trip Up to £5,000
Cancellation or curtailment – unused travel and accommodation costs if you have to cancel or cut short your holiday Up to £5,000
Emergency medical and dental treatment expenses while abroad and the cost of returning home Up to £10,000,000
Personal accident benefit payable in the event of death, disablement or loss of limbs Up to £100,000
Baggage cover if your personal possessions are lost or stolen Up to £2,500 (valuables up to £500 in total)
Legal expenses and advice in the event of injury or death Up to £25,000
Personal liability against legal claims for your injury to others or damage to their property Up to £2,000,000
Hospital benefit - £50 for each 24 hours any insured person spends in hospital Up to £1000
Replacement of essential items if your baggage is lost or misplaced and not returned for more than 12 hours on the outward journey Up to £250
Departure delay £30 per insured person for first 12 hours
£20 per insured person for each subsequent complete 12 hour period
Max £250
Travel accident insurance Up to £100,000 when holiday booked with a Silver account debit card
Family and Winter sports cover No (upgrade available, charges apply)
Maximum trip duration 45 consecutive days

There’s no need to renew your insurance each year. As long as you remain a Silver account holder you and your partner will always be covered (subject to eligibility). Full terms and conditions can be found in the policy document or refer to your current account pack.

Am I eligible for cover?

You and your partner are eligible provided you are both under 65 years of age and will be living in the UK for at least 6 months during each 12 month period following the opening of your Silver account. You will not be covered for any existing medical conditions. Please refer to the policy document or your current account pack on this and other eligibility criteria.

Upgrading your cover

If you would like to extend your cover you can choose from a selection of optional upgrades. You can add winter sports to your cover, extend your trip length, pay an excess waiver fee and pay no excess on any claims you make. For details, please call 08456 031 839 † or refer to the upgrading your travel insurance information in your policy document.

Please refer to the policy document or your current account pack on European Travel Insurance and other eligibility criteria.

Call Silver Membership services on 08456 031 839 † if you are in the UK or if abroad, our 24-hour assistance helpline on +44 1633 815 819. Please have your membership number at hand – this is your sort code and Silver account number.

Silver Account important information, features and benefits.

Worldwide Travel Insurance with your Gold, Platinum or Premier Account

Wherever you travel in the world, your travel insurance goes with you.

The cover protects both you and your partner for as long as your current account is active. Apart from the reassurance you’ll enjoy, you’re also getting a good deal.

You must tell us about any medical conditions that you are aware of affecting anyone covered under the policy, please refer to the more information section on this page.

Worldwide Travel Insurance Gold Account
(No longer available for sale)
Platinum Account Premier Account
(No longer available for sale)
Advice before you travel - help with visa requirements, required inoculations, time differences, opening hours, motoring restrictions Yes Yes Yes
Help while you're away - including replacing medicines, tracing lost luggage, transferring emergency funds Yes Yes Yes
New for old replacement for baggage under two years which is lost or stolen Yes Yes Yes
War and terrorism cover is included under the Emergency medical, Hospital benefit and Personal accident sections Yes Yes Yes
If you're an Avios user, you can claim for any Avios used if you cancel a holiday, where the circumstances of your claim are covered in the terms of the policy Yes Yes Yes
If you use your European Health Insurance Card and make a claim for medical expenses, your £40 excess will be waived Yes Yes Yes
Travel disruption cover for additional protection if your travel plans are disrupted due to cancellation or delay of your booked trip Up to £5,000 Up to £5,000 Up to £5,000
Cancellation or curtailment - unused travel and accommodation if you have to cancel or cut short your holiday Up to £5,000 Up to £5,000 Up to £5,000
Medical expenses - treatment while abroad, cost of returning home and emergency dental treatment Up tp £10,000,000 Up to £10,000,000 Up to £10,000,000
Personal accident - in the event of death, disablement or loss of your limbs Up to £100,000 Up to £100,000 Up to £100,000
Personal possessions - if your luggage is stolen, lost or damaged Up to £2,500 (valuables up to £500 in total)
Up to £2,500 (valuables up to £500 in total) Up to £2,500 (valuables up to £500 in total)
Legal advice to cover your own legal costs and expenses Up to £25,000 Up to £25,000 Up to £25,000
Personal liability - against legal claims for damage or injury to others Up to £2,000,000 Up to £2,000,000 Up to £2,000,000
Hospital benefit - £25 for each 24 hours any insured person spends in hospital Up to £250 Up to £250 Up to £250
Departure delay
£30 per insured person for first 12 hours, £20 per insured person for each subsequent complete 12 hour period: Max £250 £30 per insured person for first 12 hours, £20 per insured person for each subsequent complete 12 hour period: Max £250 £30 per insured person for first 12 hours, £20 per insured person for each subsequent complete 12 hour period: Max £250
Travel accident insurance Up to £100,000 when holiday booked with a Lloyds Bank credit or debit card Up to £100,000 when holiday booked with a Lloyds Bank credit or debit card Up to £100,000 when holiday booked with a Lloyds Bank credit or debit card
Family and Winter sports cover No (upgrade available, charges apply) Choose between family and winter sports cover up to 80 years of age
Both family and winter sports cover up to 80 years of age
Maximum trip duration 45 consecutive days 45 consecutive days (31 days for winter sports in any 12 month period) 62 consecutive days (31 days for winter sports in any 12 month period)

There’s no need to renew your insurance each year because as long as you remain a Gold, Platinum or Premier account holder you will always be covered (Subject to eligibility). You’ll find full terms and conditions in the Gold, Platinum and Premier policy documents.

Am I eligible for cover?

You and your partner (includes your spouse, civil partner or partner) are eligible provided you are both under 80 years of age, you are residents in the UK and your account remains open. You must tell us about any medical conditions that you are aware of affecting anyone covered under the policy. It is essential that you refer to the ‘Exclusions relating to your health’ section in the policy wording as failure to comply with these terms may jeopardise your claim cover - please refer to the policy documents for full details of the exclusions.

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

Gold account holders call 08458 50 50 56.

Platinum account holders call 08458 50 53 00.

Premier account holders call 08456 04 04 40.

Upgrading your cover

If you would like to extend your cover you can choose from a selection of optional upgrades.  You can add winter sports to your cover, extend your trip length, pay an excess waiver fee and pay no excess on any claims you make. For details, please see the upgrading your travel insurance information in the policy documents.

Call Membership services on 08456 031 839 † if you are in the UK or if abroad, our 24-hour assistance helpline on +44 1633 815 819. Please have your membership number at hand – this is your sort code and account number.

Gold Account important information, features and benefits

Platinum Account important information, features and benefits

Premier Account important information, features and benefits

Need help?

Feel free to call us if you need any help.

Silver account holders call 08456 031 839.

Gold account holders call 08458 50 50 56.

Platinum account holders call 08458 50 53 00.

Premier account holders call 08456 04 04 40.

Select account holders call 08457 16 11 16.