Vacation packages
Stays
Cars
Flights
Support
AARP Member Savings
My Trips
AARP.org
Join
Renew

The Lovina

5.0 star property
Luxury resort with 2 restaurants and 2 outdoor pools

Choose dates to view prices

The Lovina offers an upscale, family-friendly retreat near Lovina Beach. Enjoy rejuvenating treatments at Body Tonic Spa, cocktails at the poolside or beach bar, on-site shopping, and yoga classes for a balanced vacation.

Reviews

9.4 out of 10
Exceptional

Popular amenities

  • Bar
  • Room service
  • Gym

Room options

Available filters for rooms
Showing 11 of 11 rooms

View all photos for Suite, 1 Bedroom, Beachside

Suite, 1 Bedroom, Beachside | In-room safe, iron/ironing board, free cribs/infant beds, free WiFi

Suite, 1 Bedroom, Beachside

Highlights

Air conditioning
Free cribs/infant beds
Kitchenette
Dining table
Dishwasher
LCD TV
Ceiling fan
Separate bedroom
  • 68 sq m
  • 1 bedroom
  • Beach view
  • Sleeps 3
  • 1 Double Bed OR 2 Twin Beds

View all photos for Deluxe Suite

Deluxe Suite | In-room safe, iron/ironing board, free cribs/infant beds, free WiFi

Deluxe Suite

10.0 out of 10
Exceptional
(2 reviews)

Highlights

Air conditioning
Free cribs/infant beds
Kitchenette
Dining table
Dishwasher
LCD TV
Ceiling fan
Sofa bed
  • 64 sq m
  • 1 bedroom
  • Mountain view
  • Sleeps 3
  • 1 King Bed OR 2 Twin Beds

View all photos for Suite, 2 Bedrooms, Beachside

Suite, 2 Bedrooms, Beachside | In-room safe, iron/ironing board, free cribs/infant beds, free WiFi

Suite, 2 Bedrooms, Beachside

10.0 out of 10
Exceptional
(2 reviews)

Highlights

Air conditioning
Free cribs/infant beds
Kitchenette
Dining table
Dishwasher
LCD TV
Ceiling fan
2 bedrooms
  • 112 sq m
  • 2 bedrooms
  • Beach view
  • Sleeps 5
  • 2 Double Beds OR 1 King Bed

View all photos for Terrace Beach Villa Two Bedroom

Terrace Beach Villa Two Bedroom | In-room safe, iron/ironing board, free cribs/infant beds, free WiFi

Terrace Beach Villa Two Bedroom

10.0 out of 10
Exceptional
(1 review)

Highlights

Private pool
Air conditioning
Free cribs/infant beds
Kitchenette
Dining table
Dishwasher
LCD TV
Ceiling fan
  • 190 sq m
  • 2 bedrooms
  • Ocean view
  • Sleeps 4
  • 2 Double Beds OR 2 Twin Beds

View all photos for Grand Beach Villa 4 Bedroom

Grand Beach Villa 4 Bedroom | In-room safe, iron/ironing board, free cribs/infant beds, free WiFi

Grand Beach Villa 4 Bedroom

Highlights

Private pool
Air conditioning
Free cribs/infant beds
Kitchenette
Dining table
Dishwasher
LCD TV
Ceiling fan
  • 227 sq m
  • 4 bedrooms
  • Beach view
  • Sleeps 9
  • 4 Double Beds

View all photos for Garden Pool Villa 3 Bedroom

Garden Pool Villa 3 Bedroom | In-room safe, iron/ironing board, free cribs/infant beds, free WiFi

Garden Pool Villa 3 Bedroom

10.0 out of 10
Exceptional
(1 review)

Highlights

Private pool
Air conditioning
Free cribs/infant beds
Kitchenette
Dining table
Dishwasher
LCD TV
Ceiling fan
  • 132 sq m
  • 3 bedrooms
  • Sleeps 7
  • 3 Double Beds

View all photos for Garden Pool Villa 2 Bedroom

Garden Pool Villa 2 Bedroom | Garden view

Garden Pool Villa 2 Bedroom

Highlights

Private pool
Air conditioning
Free cribs/infant beds
Kitchenette
Dining table
Dishwasher
LCD TV
Ceiling fan
  • 126 sq m
  • 2 bedrooms
  • Sleeps 5
  • 1 Double Bed and 1 Twin Bed

View all photos for Penthouse, 3 Bedrooms, Ocean View

Penthouse, 3 Bedrooms, Ocean View | In-room safe, iron/ironing board, free cribs/infant beds, free WiFi

Penthouse, 3 Bedrooms, Ocean View

Highlights

Air conditioning
Free cribs/infant beds
Kitchenette
Dining table
Dishwasher
LCD TV
Ceiling fan
3 bedrooms
  • 225 sq m
  • 3 bedrooms
  • Beach view
  • Sleeps 6
  • 3 Double Beds

View all photos for Deluxe Studio

Deluxe Studio | In-room safe, iron/ironing board, free cribs/infant beds, free WiFi

Deluxe Studio

9.6 out of 10
Exceptional
(7 reviews)

Highlights

Air conditioning
Free cribs/infant beds
LCD TV
Ceiling fan
Hair dryer
Private bathroom
Free bottled water
Satellite channels
  • 32 sq m
  • Mountain view
  • Sleeps 3
  • 1 King Bed OR 2 Twin Beds

View all photos for Deluxe Villa, 2 Bedrooms, Plunge Pool, Garden View

Deluxe Villa, 2 Bedrooms, Plunge Pool, Garden View | Terrace/patio

Deluxe Villa, 2 Bedrooms, Plunge Pool, Garden View

10.0 out of 10
Exceptional
(1 review)

Highlights

Private plunge pool
Air conditioning
Free cribs/infant beds
Kitchenette
Dining table
Dishwasher
LCD TV
Ceiling fan
  • 108 sq m
  • 2 bedrooms
  • Sleeps 5
  • 1 King Bed and 2 Twin Beds

View all photos for 1 Bedroom Garden Pool Villa

1 Bedroom Garden Pool Villa | In-room safe, iron/ironing board, free cribs/infant beds, free WiFi

1 Bedroom Garden Pool Villa

Highlights

Private pool
Air conditioning
Free cribs/infant beds
LCD TV
Ceiling fan
Separate bedroom
Hair dryer
Private bathroom
  • 92 sq m
  • 1 bedroom
  • Sleeps 2
  • 1 King Bed

About the neighborhood

Map
Jl. Mas Lovina, Kalibukbuk Lovina, Kecamatan Buleleng, Anturan, Singaraja, Buleleng, Bali, 81151

What's nearby

  • Lovina Beach - 17 min walk - 0.9 miles
  • Lovina Beach Monument - 19 min walk - 1.0 mile
  • Krisna Funtastic Land - 6 min drive - 3.8 miles
  • Banjar Hot Springs - 13 min drive - 7.7 miles
  • Aling-Aling Waterfall - 18 min drive - 8.8 miles

Restaurants

  • ‪Coffeenosky - ‬13 min walk
  • ‪Warung Ayu - ‬11 min walk
  • ‪Bunga Lovina coffe - ‬7 min walk
  • ‪THE LOVINA Bali - ‬1 min walk
  • ‪Barclona Lovina Bar & Restaurant - ‬12 min walk

About this property

The Lovina

Luxury family-friendly resort near Lovina Beach
Located close to Krisna Funtastic Land, The Lovina provides a beach bar, a poolside bar, and a terrace. With amenities like a beachfront location and sun loungers, this resort is the perfect place to soak up the sun. Indulge in a body treatment, a facial, and a massage at Body Tonic Spa, the onsite spa. Be sure to enjoy a meal at the two on-site restaurants. Yoga classes are offered at the gym; other things to do include boat tours. Free in-room WiFi is available to all guests, along with shopping on site and a garden.
You'll also find perks like:
  • 2 outdoor pools and a children's pool, along with sun loungers
  • Free self parking and valet parking
  • Continental breakfast (surcharge), a free area shuttle, and bike rentals
  • Express check-out, express check-in, and supervised childcare (surcharge)
  • Guest reviews give top marks for the helpful staff
Room features
All 133 rooms have comforts such as 24-hour room service and air conditioning, in addition to thoughtful touches like free WiFi and safes.
Extra conveniences in all rooms include:
  • Childcare services and free infant beds
  • Hair dryers and shampoo
  • 32-inch LCD TVs with satellite channels
  • Ceiling fans, daily housekeeping, and phones

Similar properties

Exterior

The Damai

  • Pool
  • Spa
  • Parking included
  • Free WiFi
9.6 out of 10, Exceptional, 157 reviews
The Damai

Property amenities

Internet

  • Available in all rooms: Free WiFi
  • Available in some public areas: Free WiFi

Parking and transportation

  • Free offsite parking
  • 24-hour roundtrip airport shuttle on request for a surcharge
  • Free area shuttle
  • Free self parking on site
  • Free valet parking on site

Food and drink

  • Daily continental breakfast available 6:30 AM to 10:30 AM for a fee: IDR 200,000 for adults and IDR 100,000 for children
  • 2 restaurants
  • A bar/lounge
  • A beach bar
  • A poolside bar
  • Snack bar/deli

Things to do

  • 2 outdoor pools
  • Bicycle rentals
  • Boat tours
  • Children's pool
  • Free children's club
  • Full-service spa
  • Gym
  • Library
  • Playground
  • Shopping
  • Yoga classes

Family friendly

  • 2 outdoor pools
  • Children's pool
  • Free area shuttle
  • Free children's club
  • In-room babysitting (surcharge)
  • In-room crib
  • Laundry facilities
  • Living room
  • Playground
  • Snack bar/deli
  • Supervised activities for children (surcharge)

Conveniences

  • 24-hour front desk
  • Gift shop/newsstand
  • Laundry facilities
  • Luggage storage
  • Safe at front desk
  • Water dispenser

Guest services

  • Concierge services
  • Dry cleaning/laundry service
  • Housekeeping (daily)
  • Multilingual staff
  • Porter/bellhop
  • Tour and ticket assistance
  • Turndown service

Business services

  • Computer station

Outdoors

  • Barbecue grill
  • Beach loungers
  • Beach towels
  • Beach umbrellas
  • Garden
  • On the beach
  • Pool loungers
  • Terrace

Full-service spa

  • 3 treatment rooms
  • Body scrubs
  • Couples treatment rooms
  • Facials
  • Manicures/pedicures
  • Massage

Accessibility

  • If you have requests for specific accessibility needs, please contact the property using the information on the reservation confirmation received after booking.
  • Accessible airport shuttle
  • No elevator
  • Wheelchairs on site

More

  • 2 buildings
  • 2 floors
  • Banquet hall
  • Built in 2011
  • Smoking not allowed

Room amenities

Bedroom

  • Bedsheets provided
  • Free crib

Bathroom

  • Hair dryer
  • Shampoo
  • Slippers
  • Soap
  • Toilet paper
  • Toothbrush and toothpaste
  • Towels provided

Entertainment

  • 32-inch LCD TV with satellite channels

Food and drink

  • 24-hour room service
  • Free bottled water

More

  • Air conditioning
  • Ceiling fan
  • Iron/ironing board on request
  • Living room
  • Phone
  • Safe

Policies

Check-in

Check-in time starts at 2:00 PM
Contactless check-in available
Express check-in available
Minimum check-in age: 17

Check-out

Check-out before noon
Contactless check-out available
Express check-out available

Special check-in instructions

This property offers transfers from the airport (surcharges may apply); to arrange pick-up, guests must contact the property 72 hours prior to arrival, using the contact information on the booking confirmation
Front desk staff will greet guests on arrival at the property

Renovations and closures

In accordance with local regulations, all visitors must remain within the property during Seclusion Day (Nyepi)/Hindu New Year for a 24-hour period (starting at 6 AM). Seclusion Day typically falls in March or April (dates subject to change each year). Check-in and check-out will not be possible on that date. Ngurah Rai Airport (Bali International Airport) is also closed on Seclusion Day.

Access methods

Staffed front desk

Pets

No pets or service animals allowed

Children and extra beds

Children are welcome
1 child, up to the age of 2 years, can stay for free if using existing beds when occupying the parent or guardian's room
Rollaway/extra beds are available for IDR 450000.0 per day
Free cribs are available on request at the property

Property payment types

Important information

Optional extras

  • Fee for continental breakfast: approximately IDR 200000 for adults and IDR 100000 for children
  • Airport shuttle fee: IDR 1100000 per vehicle (one-way, maximum occupancy 4)
  • Rollaway bed fee: IDR 450000.0 per day

The above list may not be comprehensive. Fees and deposits may not include tax and are subject to change.

You need to know

Extra-person charges may apply and vary depending on property policy
Government-issued photo identification and a credit card, debit card, or cash deposit may be required at check-in for incidental charges
Special requests are subject to availability upon check-in and may incur additional charges; special requests cannot be guaranteed
The name on the credit card used at check-in to pay for incidentals must be the primary name on the guestroom reservation
This property accepts credit cards; cash is not accepted
Safety features at this property include a fire extinguisher
This property has outdoor spaces, such as balconies, patios, terraces which may not be suitable for children; if you have concerns, we recommend contacting the property prior to your arrival to confirm they can accommodate you in a suitable room

We should mention

This property does not have elevators
No pets and no service animals are allowed at this property

Property is also known as

Hotel Lovina
Lovina Resort Buleleng
Lovina Buleleng

Frequently asked questions

Does The Lovina have a pool?

Yes, this property has 2 outdoor pools and a children's pool.

Is The Lovina pet-friendly?

No, pets are not allowed at this property.

How much is parking at The Lovina?

Self parking and valet parking are free at this property; nearby parking is also free.

What time is check-in at The Lovina?

Check-in begins at 2:00 PM.

What time is check-out at The Lovina?

Check-out is at noon.

Does The Lovina provide a shuttle to the airport?

Yes, there's an airport shuttle that runs on request. A fee of IDR 1100000 per vehicle applies.

Where is The Lovina located?

This Buleleng resort is on the beach, 0.8 mi (1.3 km) from Lovina Beach, and within 6 mi (10 km) of Krisna Funtastic Land and Buleleng Harbour. Brahmavihara-Arama and Banjar Hot Springs are also within 9 mi (15 km).

Have a question?

AI iconBeta

Get instant answers with AI powered search of property information and reviews.

The Lovina Reviews

Reviews

9.4

Exceptional

Rating 10 - Excellent. 185 out of 264 reviews
Rating 8 - Good. 63 out of 264 reviews
Rating 6 - Okay. 12 out of 264 reviews
Rating 4 - Poor. 4 out of 264 reviews
Rating 2 - Terrible. 0 out of 264 reviews

9.6/10

Cleanliness

9.6/10

Staff & service

9.2/10

Amenities

9.2/10

Property conditions & facilities

9.0/10

Eco-friendliness

Reviews

10/10 Excellent

Kerry

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Great hotel; more than we expected
Stayed 1 night in Apr 2025

10/10 Excellent

Marc

Liked: Cleanliness, staff & service, property conditions & facilities
Was very nice and great villa’s
Stayed 3 nights in Aug 2024

10/10 Excellent

Didier

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Large comfortable rooms. Nice beach restaurant with amazing sunset view and live music. Extra unexpected benefit is the free shuttle to go around the Lovina area. Super convenient!
Stayed 3 nights in Aug 2025

10/10 Excellent

Peterhtoo Myat

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Great experience and love vip treatment
Stayed 3 nights in Dec 2024

10/10 Excellent

Subhash

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
really nice staff and property is very well kept. The people at the SPA are one of the best I have experienced in Bali. Nice evening dinner / a drink with band playing on the beach is icing on the cake. Over all would love to be at this property sometime soon
Stayed 2 nights in Dec 2024

10/10 Excellent

Inge

Liked: Cleanliness, staff & service, property conditions & facilities, room comfort
Wonderful little home with private swimming pool on top of the bigger swimming pool and the black beach. A little older but perfectly maintained and clean.
Stayed 3 nights in Oct 2024

8/10 Good

Shannon

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
This was a quaint, quiet hotel located right on the beach. The staff were all amazingly friendly and the rooms were comfortable. The food was pretty good as well. I had an amazing Thai massage at the spa too! It was a very relaxing place a little far out of town but they provide transportation. If you are looking for a more youthful place I might recommend somewhere further in town. I would stay again because of service and tranquility.
Stayed 1 night in Nov 2024

10/10 Excellent

Susan

Liked: Cleanliness, staff & service, property conditions & facilities
Lovely lovely resort right on the beach- and extremely attentive and charming staff. Our room was above the pool looking at the beach - extremely comfortable. Lounge chairs with towel service were plentiful and the staff so eager to please! Dine at a table in the sand or at your lounge chair- with lovely live music nightly. Overall excellent!
Stayed 6 nights in Jun 2023

10/10 Excellent

Verified traveler

Liked: Cleanliness, staff & service, property conditions & facilities, room comfort
Fantastic stay. Extended an extra night. The staff were very friendly. The breakfast buffet when they had it was very good. Some days it was a la carte. Very clean and quick housekeeping. Bathrooms were open to the air. Easy access to the private beach area. Beautiful view of the sunset
Stayed 3 nights in Feb 2025

10/10 Excellent

Rick

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
The staff were all very accommodating. Temperature of room was very comfortable for sleeping. Our room overlooked the rice fields and we watched them harvest. Good breakfast selection. Activities onsite-yoga, dolphin tour, paddle board, kayaks, shuttle service.
Stayed 4 nights in Apr 2023

10/10 Excellent

Liliana

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Very good service
Stayed 2 nights in Oct 2025

10/10 Excellent

Anja Mølgaard

Liked: Cleanliness, staff & service, property conditions & facilities, room comfort

Skønt hotel

Fantastisk hotel med meget hjælpsomt personale. Et godt sted at slappe af og se området seværdigheder. Absolut turen værd nordpå. Morgenmaden var fin men levede ikke op til vores forventninger ift andre hoteller vi besøgte på Bali. Der var tale om buffet med mulighed for at få frisklavede æggeretter. Alt var rent og pænt og et dejligt sted for familien at slappe af
Stayed 2 nights in Jul 2025

10/10 Excellent

Marcel David

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Haben unseren Aufenthalt dort direkt mal um 4 Nächte verlängert, weil es einfach nur grandios ist. Schöne und saubere Unterkunft, eigener Strandabschnitt, die Möglichkeit Schnorchelsets, SUPs und kleine Botte auszuleihen (kostenlos), lexkeres Essen (westlich und indonesisch) und mega nettes und zuvorkommendes Personal. Gerne wieder
Stayed 2 nights in Jun 2025

10/10 Excellent

Marcel David

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Ein wunderbares Hotel! Es ist sauber, modern und die Zimmer sind geräumig. Die Restaurants (Helicona und Sunset Bar) sind auch sehr sauber und bei der Speiseauswahl ist für jeden was dabei (von westlich bis typisch indonesich). Zul Frühstück gibt es ein breit aufgestelltes Buffett. Die Mitarbeiter waren alle super lieb, aufmerksam und zuvorkommend. Es war bereits unser zweiter Aufenthalt dort und weile s uns so gut gefallen hat, haben wir unseren jetzigen Aufenthalt direkt einmaö um vier Nächte verlängert. Wir kommen gerne immer wieder!!!
Stayed 4 nights in Jun 2025

10/10 Excellent

James

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
The Lovina didn’t disappoint. It was clean, relaxing and beautiful. We spent 3N4D and wished we had stayed longer. So luxurious. The staff can’t do enough for you. The free shuttle was a nice surprise. So were the free bike rentals. The buffet breakfast was delicious. We had a room that over looked the rice fields and I loved it. Coffee in the morning on our patio looking at rice fields and mountains. Life is good. The only reason I gave a 4 to surrounding area was because there are 3 VERY aggressive female beach sellers. They are not aggressive as in threatening, however, they will not leave you alone when you are sitting on the beach or sitting at the tables near the beach. They will harass you and won’t take no for an answer. I felt that the hotel staff should have asked them to leave and wait at the edge of resort so hotel patrons can approach them if they want. They would interrupt our lunch and when sitting having a drink looking at the ocean. It did put a bit of a damper on our experience. Over all I would encourage you to book this hotel. The staff and facilities were spectacular
Stayed 3 nights in Apr 2025

10/10 Excellent

Donald

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
What a find! We absolutely loved the property and the staff. The restaurant was another surprise. You will fall in love with this place.
Stayed 2 nights in Mar 2025

10/10 Excellent

Amelia

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Could not fault the property, staff and location. Definitely worth the drive from Denpasar. We look forward to returning.
Stayed 4 nights in Feb 2025

10/10 Excellent

Niklas

Liked: Cleanliness, staff & service, property conditions & facilities, room comfort

Short stay but very pleased

A lovely stay, great staff and clean place. Overall very satisfied for our 2 nights stay.
Stayed 2 nights in Feb 2025

10/10 Excellent

Jill

Liked: Cleanliness, staff & service, property conditions & facilities
This was an extraordinary experience in large measure because of the staff. At every turn they went out of their way to be sure that we had everything that we needed and wanted with gracious, warm hospitality that could serve as a model for other resorts. Spotlessly clean and comfortable. A beautiful pool. A shuttle to take you into “town” and to other restaurants. But it was the staff that truly made this a fabulous stay
Stayed 7 nights in Feb 2025

8/10 Good

Stefan

Liked: Cleanliness, staff & service

Sunset bar

Fint läge på hotellet. Jättebra service på restaurangen som ligger precis på stranden. Maten var bra . Det som drar ner betyget var en allmänt skräpig strand och kanske inte så hög standard på rummet
Stayed 3 nights in Feb 2025

6/10 Okay

Mary

Liked: Staff & service, amenities
Unfortunately my ‘upgraded’ room with private pool was very dated and literally crawling with caterpillars. There were a number of flies in the room and I found 2 dead cockroaches in the bathroom. I had breakfast there once and it was awful. No real fruit juice, just diluted drinks and coffee was poor, it was also expensive. The beach front is tiny and not as it appears on the photographs. The staff however were lovely and the location was a 5 minute walk to the Main Street where there were good restaurants. A large resort that is not as good as I thought it would be based on the reviews I had read.
Stayed 3 nights in Nov 2024

10/10 Excellent

Michel

Liked: Property conditions & facilities, room comfort
We enjoyed every minute of our stay. The people were very nice and polite. The were always trying to make us satisfied. The upgrade we had made it very special. We had a massage by professional and relaxed. The breakfast is excellent with a lot of different foods. The pool was very clean and by the beach. The view was fantastic!!! Thanks to everyone at Lovina. We had the room B05.
Stayed 2 nights in Feb 2025

10/10 Excellent

Nicole

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Jederzeit wieder!
Stayed 3 nights in Nov 2024

8/10 Good

Hannelore

Liked: Amenities
Das Hotel ist luxuriös. Leider hatten wir ein Zimmer am äussersten Rand mit Blick auf eine Mauer. Warum? Wenn das Hotel nicht einmal halb voll ist? 15 Minuten zu Fuss bis zum Ortskern
Stayed 2 nights in Nov 2024

10/10 Excellent

HANWOO

Liked: Cleanliness, staff & service, property conditions & facilities, room comfort
I really enjoyed your waterfun stuffs such as kayak and SUP! Only one thing I need was faster wifi. The speed was only 10mbps, I recommend you faster wifi for re-visiting. Overall, you are one of the greatest hotel.
Stayed 2 nights in Nov 2024

  • † More information about the $50 gift card with flight package benefit may be found at: https://www.expedia-aarp.com/lp/b/vacationpackages50prepaid

  • English Copyright 1995 – 2025. All rights reserved. Use of this Web site constitutes acceptance of the Expedia User Agreement and Privacy Policy. Expedia pays a royalty fee to AARP for the use of AARP’s intellectual property. These fees are used for the general purpose of AARP. All goods or services and discounts offered via the AARP® Travel Center powered by Expedia ®, are provided by third-party suppliers. AARP and its affiliates do not endorse and are not responsible for the goods or services and discounts made available on this site. Offers are subject to change and may have restrictions. Please contact the AARP® Travel Center powered by Expedia® directly for full details. AARP and its affiliates are not insurers.