Travel insurance

Benefit from Travel Insurance when you book your trip with your Lloyds Bank Business Credit or Business Charge Card.

Period of insurance and cancellation rights

The insurance commences on the date that the first card is issued and remains in force throughout the period during which any of the cards to which it relates are valid. Renewal of the insurance will be automatic on renewal of a card. Cancellation of the card agreement will automatically cancel the insurance. The insurance cannot be cancelled independently of the card contract.

Additional services for cardholders

This insurance meets the demands and needs of organisations that wish to provide employees with benefits that may not be included in standard travel insurance policies.

The benefits are arranged by Aspire Insurance Advisers Limited, an International SOS company, authorised and regulated by the Financial Conduct Authority, reference number 312228. Cover is provided when at least 50% of the total cost of business travel has been purchased with our Business Cards. These services cover the cardholder, his/her family and up to three colleagues travelling together. 

Travel Benefits

Travel Benefits

Benefits   

Limit                      

Excess

Benefits   

Personal Accident (Full Cover)

Limit                      

£112,500                  

Excess

nil

Benefits   

Emergency Medical Expenses

Limit                      

£90,000

Excess

£50

Benefits   

Cancellation

Limit                      

£2,250    

Excess

£50

Benefits   

Missed Departure

Limit                      

£450                                

Excess

nil

Benefits   

Hospital Daily Benefit

Limit                      

£25 per day (max 30 days)  

Excess

48 hours

Benefits   

Travel Delay

Limit                      

£25

Excess

4 hours

Benefits   

Baggage Delay (Max 12Hrs) - per Hour

Limit                      

£40

Excess

4 hours

Benefits   

Document Replacement

Limit                      

£1,000

Excess

nil

Benefits   

Legal Expenses

Limit                      

£2,500

Excess

nil

How to make a claim

To make a claim, call Sedgwick Travel Claims Services on +353 1261 2002 (International charges may apply). Lines are open 9am to 5pm Monday to Friday, except public holidays.

Outside working hours, contact Sedgwick by email at travel@ie.sedgwick.com and request a claim form.

Emergency Medical and Travel assistance Services are available 24 hours a day from International SOS. In the event that the Cardholder requires these Services, please call +44 208 762 8146.

    • Any claim in respect of Cardholders aged 76 (seventy-six) years or older at the start of a Journey.
    • Any Pre-existing Health Disorder or Condition.
    • Any Journey booked or undertaken against medical advice.
    • Any Journey specifically undertaken with the intention of obtaining medical treatment.
    • Any claim arising from pregnancy, unless unexpected complications arise, and in no circumstances where the pregnancy has entered the 7th month at the start of a Journey.
    • Any claim arising from or related to wilfully self-inflicted Bodily Injury or Illness, insanity, alcohol, drug or substance abuse or self-exposure to needless peril (except in an attempt to save human life) or suicide.
    • Any claim arising from or related to the Cardholder engaging in any winter sports.

Important Legal Information

Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

The products and services outlined on this site may be offered by legal entities from across Lloyds Banking Group, including Lloyds Bank plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc and Lloyds Bank Corporate Markets plc are separate legal entities within the Lloyds Banking Group.

Lloyds Bank is a trading name of Lloyds Bank plc, Bank of Scotland plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no.2065. Bank of Scotland plc. Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland no. SC327000. Lloyds Bank Corporate Markets plc. Registered office 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 10399850. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278, 169628 and 763256 respectively.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.