Lloyds Bank Travel Insurance Review and Quotes

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Alexandre Desoutter updated on July 27, 2020

It might be the least exciting thing about your journey. But travel insurance is a must-have when it comes to getting assistance from the other side of the world.

Are you aware of this and are here to know whether Lloyds Bank is the right company to go on holidays with?

In this definitive Lloyds Bank review, we will tell you everything you need to know about their travel insurance policies: coverage options, prices, contact details, cancellation or claim process and much more. Let’s dive in!

Is Lloyds Bank the best travel insurance for you?

Always just going for the cheapest travel insurance might not be the best option when it comes to getting assistance or a refund abroad.

At Safe, we strive to help any people travelling from the UK to get the best travel insurance to leave home with complete peace of mind. This is why we’ve dug into Lloyds Bank travel insurance policy booklet and attributed our own neutral rating based on five weighted criteria as shown below.

4,4 Safe overall rating for Lloyds Bank

Safe ratingOur opinion
Customer service & satisfaction

5 star rating on Defaqto
Easily accessible policy documents
Tedious claims process based on customer reviews

Cover provided

Policies available across 4 levels
High emergency medical cover of up to £10M
High cancellation cover limit of up to £5,000
High personal accident cover limit of up to £100,000
Does not cover backpackers

Value for money

Insurance cover available as standard when you open a bank account at Lloyds
Vehicle breakdown cover included as standard

Financial strength

Lloyds Bank plc is a British retail and commercial bank that is authorised by the Prudential Regulation Authority and regulated by both the Financial Conduct Authority and the Prudential Regulation Authority
Lloyd's Travel Insurance Policies are underwritten by AXA, one of the leading insurance companies in the UK

Technology

Online claims process
User friendly website
Availability of customer portal
Live chat feature available

Safe rating for Lloyds Bank travel insurance

Lloyds Bank travel insurance reviews by expert and consumers

Review organisationLloyds Bank travel insurance reviews
Defaqto expert

Platinum: 5

TrustPilot

1,5/5 based on more than 90 opinions

Consumer satisfaction rates on reviews for Lloyds Bank holiday insurance

To check if Lloyds Bank is the right travel insurance for you, you can use our free travel insurance comparison tool and get quotes from main travel insurance companies in a few seconds only. 100% anonymous and free.

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What does Lloyds Bank travel insurance cover?

Lloyds Bank travel insurance offers different travel insurance covers to suit any traveller needs, whether you’re leaving for three days alone in Scotland or six months in Antarctica with your partner or whole family.

Lloys Travel Insurance covers individuals, couples and families.

Lloyds Bank single-trip and annual multi-trip travel insurances

Single and annual multi-trip days and age limits at Lloyds Bank
Maximum days per trip

Silver: 45 days per trip
Gold: 45 days per trip
Platinum: 45 days per trip
Premier: 62 days per trip

Maximum age limit

Silver: 64 years
Gold, Platinum and Premier: 79 years

Maximum days and age limit for single-trip and annual multi-trip policies at Lloyds Bank

You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at Lloyds Bank:

Policy name

SilverGoldPlatinumPremier
Defaqto expert rating
Not StatedNot Stated5Not Stated
Excess (if not stated)
£40£40£40£40
Medical expenses
£10M£10M£10M£10M
Trip cancellation / curtailment
£5,000 £5,000 £5,000 £5,000
Delayed departure 12 hours
£30£30£30£30
Delayed departure max
£250£250£250£250
Baggage & belongings
£2,500£2,500£2,500£2,500
Money including cash
£300 £300 £300 £300
Repatriation
£10M£10M£10M£10M
Personal liability
£2M £2M £2M £2M
Personal accident (excess £0)
£100,000£100,000£100,000£100,000
Legal expenses
(excess £0)
£25,000 £25,000 £25,000 £25,000
Hospital benefit
(excess £0)
£1,000 £1,000 £1,000 £1,000
Accommodation cover
£5,000£5,000 £5,000 £5,000
Pet care (excess £0)
xxxx
SAFI*
Not StatedNot StatedNot StatedNot Stated
Medical screening
vvvv
Cruise cover
xxxx
Winter sports / golf cover
vvvv
Lloyds Bank travel insurance in details

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Lloyds Bank winter sports travel insurancet

The winter sports travel insurance is usually an option that you can take on top of your single or annual multi-trip policy.

Winter Sports Cover is available as standard but does not include all winter sports activities. You can expect the following benefits with the winter sports cover:

  • Up to £300 ski equipment cover
  • Up to £5,000 unused portion of ski pack due to injury or illness
  • Up to £150 lift pass cover
  • Up to £150 piste closure cover
  • Up to £300 for ski equipment hire.

What are the other travel insurance options available at Lloyds Bank?

Travel insurance options at Lloyds Bank
Lloyds Bank golf cover

Golf Cover is available as standard and it comes with the following benefits:

  • Up to £1,500 golf equipment cover
  • Up to £175 for replacement hire of golf equipment.
Lloyds Bank business cover

Business Travel Insurance is also available as standard and it comes with the following benefits:

  • Up to £1,000 business equipment cover in case of loss, theft or accidental damage
  • Up to £300 for a single business article, pair or set of equipment.
Lloyds Bank cruise cover

Not Available

Lloyds Bank gadget cover

Lloyds Bank covers only mobile phones:

  • Up to £2,000 (including VAT) for repair or replacement of phone in case of theft, loss or damage inluding breakdown faults.
Lloyds Bank other extras

The following upgrades are available:

  • Excess Waiver
  • Trip duration extension
  • Upgrade of winter sports limit and coverage
  • Additional adult or child cover.
Other travel insurance policy options available at Lloyds Bank

Watch out!

Due to Brexit, some outbound flights from international airports might be delayed or cancelled. We would advise you to call Lloyds Bank before travelling and make sure you get the right compensation amount for your flight or journey if it is cancelled or delayed as well as for Schedule Airline Failure Cover.

How much is Lloyds Bank travel insurance?

You'll find below indicative quotes per level of cover at Lloyds Bank:

You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at Lloyds Bank:

Policy name

SilverGoldPlatinumPremier
Price - 3 days trip - 30 years old - Europe
£12.95£14.95£21£28
Lloyds Bank travel insurance in details

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It is, however, quite difficult to give precise price ranges as Lloyds Bank travel insurance policy quotes will depend on a range of factors such as:

  • Your age at the time of travelling
  • The length of your stay
  • Your trip destination (Europe, North America, Worldwide)
  • The period you wish to be covered for (single trip, annual multi-trip, extension)
  • If you need specific insurance (cruise, ski, backpackers, gadget cover)
  • Your medical condition before travelling
  • Who is travelling with you (on your own, as a couple, as a family).

Can I get travel insurance discounts or promo codes at Lloyds Bank?

There are no discouns mentioned on the website of policy documents.

Use our travel insurance comparison tool to be aware of latest promo codes and vouchers available at Lloyds Bank.

What else should I know about Lloyds Bank travel insurance?

What are the general exclusions at Lloyds Bank travel insurance?

To be eligible for a travel insurance policy at Lloyds:

  • You must be a resident of the UK
  • You must be registered with a medical practitioner in the UK
  • You must be within the age limit stated for your cover
  • You must not exceed the duration of trip or visit a geographical area in which you are not covered based on your level of cover
  • You must travel out of the UK or solely within the UK provided that you have pre-booked at least two consecutive
    nights paid accommodation on a holiday or pleasure trip.

How do I get travel insurance quote from Lloyds Bank?

Nothing easier. Use our 100% online travel insurance comparison tool to compare all policies in just a few seconds, without giving any personal details. If Lloyds Bank is the right one for you, then just click on get quote and you'll be automatically directed through the company's sale channel.

Good to know

Shopping around while shopping for personal insurance and not auto-renewing is always the best way to get the best deal and benefit from new customers discounts.

How do I log in to Lloyds Bank website?

Through the customer portal, you can:

  • Access your travel insurance policy documents
  • Upgrade your cover
  • Change personal information like family details or the names of the people on the policy
  • Complete medical screening questionnaire
  • Register a claim.

You can access your customer portal through the online banking homepage.

How to claim at Lloyds Bank travel insurance?

There are 2 ways to make a claim and that is by either calling the claims department or online.

How to claim on Lloyds Bank travel insurance?
Claim online

You can make a claim online by filling in the necessary details on the Lloyds Bank claim form available online.

Claim by phone

0345 603 1839 (Silver)
0345 850 5056 (Gold)
0345 850 5300 (Platinum)
0345 604 0440 (Premier)

How to make a claim on Lloyds Bank travel insurance

How do I contact Lloyds Bank travel insurance?

Lloyds Bank contact phone numbers

ServicesPhone numbersOpening hours
Customer Service
0345 300 0000

Available 24/7

Lost or Stolen Cards
0800 096 9779

Available 24/7

Emergency Helpline
+44 1633 815 819

Available 24/7

AA Breakdown Cover
0800 316 0096 (Silver)
0800 107 0011 (Gold)
0800 783 0543 (Platinum)
0800 032 0371 (Premier)

Available 24/7

Lloyds Bank contact phone numbers

Lloyds Bank other contact details

Contact details
Address

Lloyds Bank Insurance
Tredegar Park, Newport
South Wales
NP10 8SB

Email
[email protected]
Lloyds Bank contact details

How to cancel your annual Lloyds Bank travel insurance policy?

You will find below main information to cancel your travel insurance policy at Lloyds Bank:

How to cancel Lloyds Bank travel insurance?
Cancellation fees during cooling off period of 14 days
£0
Cancellation fees outside cooling off period

No refund

Cancel by phone

0345 603 1839 (Silver)
0345 850 5056 (Gold)
0345 850 5300 (Platinum)
0345 604 0440 (Premier)

How to cancel Lloyds Bank travel insurance

Our opinion on Lloyds Bank travel insurance

Lloyds Bank plc is a British retail and commercial bank that is authorised by the Prudential Regulation Authority and regulated by both the Financial Conduct Authority and the Prudential Regulation Authority.

The company's travel insurance policies come as standard when you open a bank account at Lloyds. The insurance covers may vary depending on the type of account you choose to open. There are 4 types of accounts available which represent the different levels of coverage you get: Silver, Gold, Platinum and Premier.

All accounts offer multi trip travel insurance but vary when it comes to destination coverage.

We would recommend Lloyd to anyone looking to open a bank account that comes with travel insurance coverage as standard.

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Alexandre Desoutter
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Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.

In this sense, his role leads him to carry out steering and support work with all HelloSafe editors and contributors so that the editorial line defined by the company is fully respected. and declined through the texts published daily on our platforms.

As such, Alexandre is responsible for implementing and maintaining the strictest journalistic standards within the HelloSafe editorial staff, in order to guarantee the most accurate, up-to-date information on our platforms. and expert as possible. Alexandre has in particular undertaken for two years now the implementation of a system of systematic double-checking of all the articles published within the HelloSafe ecosystem, able to guarantee the highest quality of information.