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 are a Platinum, Premier, Gold or Silver account customer, visit our transaction disputes page for help if your travel has been disrupted.

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How do I make a claim?

You can log your claim online using the Allianz Assistance Hub that can be securely accessed through our Mobile Banking app or Internet Banking. If you don’t bank online, you can also call us.

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Eligibility for each account

  • 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.

    You can log your claim online using the Allianz Assistance Hub that can be securely accessed through our Mobile Banking app or Internet Banking. If you don’t bank online, you can also call us. 

  • 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.

    Am I eligible for cover?

    • 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.
    • 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 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 condition please call us.

What does my insurance come with?

Silver Account

  • 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
  • Comprehensive cover including:
    • 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)
  • 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
  • Comprehensive cover including:
    • 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 - unless you are a Premier account holder, which is 62 consecutive days
  • For Winter Sports maximum 31 days cover in any calendar year
  • £75 excess per adult per incident may apply
  • Gold and Premier accounts unavailable to new customers
  • Other exclusions apply, see policy documents

Protecting your money

FSCS logo



The Financial Services Compensation Scheme (FSCS) protects up to £85,000 of the eligible money you hold with us.

More about the FSCS

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

Existing customer?

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Lloyds and Lloyds Bank are trading names of 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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