Finder expert rating
LV= offers a range of car insurance for standard cars, as well as classic and electric cars. This insurance provider’s comprehensive policy comes with uninsured driver promise and EU cover up to 180 days per year. What’s more, customers can benefit from a 5% discount for buying cover online. Here’s what else we think you should know.
LV= has a history that dates back to 1843. Since then, LV= has grown to become a well-known car insurance provider in the UK. It also offers a range of other insurance products such as van, motorbike, home, travel and pet insurance.
LV= policies are underwritten by Liverpool Victoria Insurance Company Ltd.
LV= offers two levels of cover – third party, fire and & and comprehensive. Existing customers can also get third party only cover to drive other vehicles, but this is not offered as a policy on its own.
Here are some of the benefits included in LV=’s car insurance cover:
|Product Name||LV= Third party, fire and theft||LV= Comprehensive|
|Damage to your car||✓|
|Damaged windscreen and window glass||✓|
|Fire and theft||✓||✓|
|Personal accident and road rage||✓|
|Liabilities to third parties||✓||✓|
|Using the car abroad||✓||✓|
|No claims discount protection||Optional extra|
|Permanently fitted audio equipment||✓||✓|
LV= offers a range of additional protection to bolt onto your policy, including:
Your insurance excess is the amount of money you will need to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount. A compulsory excess amount might vary depending on the age of your car and your driving experience.
A voluntary excess is on top and is normally set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess, which should lower your premium.
You’ll find details about any compulsory or voluntary excesses in your policy document.
Call the LV= claims line on 0800 032 2577 to register a claim. Lines are open 24/7.
LV= recommends you have the following to hand in order to make a claim:
It’s vital that you let your insurer know about an incident as soon as possible, even if it’s not your fault. Failure to do this could result in a rejected claim later on.
In our 2020 customer satisfaction awards, LV=’s car insurance got 4 out of 5 stars, with 82% of customers saying they would recommend the service.
Online customer reviews for LV= as a company are also positive. On review platform Trustpilot, LV= has 4.7 out of 5 stars and a rating of “Excellent”, based on more than 26,900 reviews. On Reviews.io, LV= has a rating of 3.37 out of 5 based on more than 200 reviews. 61% of customers said they would recommend the service.
The helpful, quick service and ease of application are favourites with customers, but some complain of price hikes on renewal (updated December 2020).
Both LV= car insurance options are strong competitors in the market. The company is well respected and did well for customer service in our survey.
A downside is that some changes to your policy can result in admin charges, and cancellation past the 14-day cooling off period means paying a cancellation fee. However, LV= are not the only insurer to charge these kind of penalties and so it’s best to consider the policy in line with your personal requirements to see whether LV= car insurance is right for you.
Remember, cheapest isn’t always best.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
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