LV= car insurance review

Get the lowdown on the car insurance from LV= to see what's included in the cover, pros and cons of the policy and whether it's right for you.

4.1 ★★★★★ (464 reviews) Write a review

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Our verdict

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. Get started by visiting LV=’s website and sign up for a policy. If you have read this review and decided that LV= is not for you, you can also compare other car insurance policies on the market.

Best for: Cheaper rates

  • Insurance provider offering a range of car insurance policies for standard and electric cars.
  • Multi-vehicle insurance available.
  • A range of optional extras to enhance car cover.
  • Claims line is open 24/7
  • A change in vehicle or named drivers may result in an administration fee.

LV= offers car insurance for standard cars, as well as electric cars. This insurance provider’s comprehensive policy comes with uninsured driver promise and EU cover up to 180 days per year. Here’s what else you need to know.

Who is LV=?

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 such as van, motorbike, home, travel and pet cover.

This insurer has won a string of awards, and typically does well for providing low cost, good cover.

Who underwrites LV= car insurance?

LV= policies are underwritten by Liverpool Victoria Insurance Company Ltd.

LV= policy details

1 - 1 of 1
Name Product Courtesy car cover New car replacement EU Cover Personal accident cover Multi-car discount Link
LV= Comprehensive
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Finder's summary: 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

Who it might be good for: Someone who wants a low-cost comprehensive policy.

What is covered under my policy?

LV= offers 2 levels of cover on its website – third party, fire and theft and comprehensive. If your car is less than 6 years old, you can only get comprehensive cover from LV=.

Here are some of the benefits included in LV=’s car insurance cover:

Product NameLV= Comprehensive
Damage to your car
Damaged windscreen and window glass
Fire and theft
Personal accident cover
Liabilities to third parties
Using the car abroad
No claims discount protectionOptional extra
Permanently fitted audio equipment

Check the policy details for a full list of cover benefits and to ensure you have the cover you need.

Optional extras

LV= offers a range of additional protection to bolt onto your policy, including:

What are LV=’s different policy types?

  • Car insurance
  • Electric car insurance
  • Multi-car insurance

What is my excess?

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.

How do I make a claim?

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, to make a claim:

  • Personal contact details with the person you had the accident with.
  • Photos/videos of the damage to your car.
  • Contact details of any witnesses of the incident.

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.

LV= customer reviews

Customers who took part in Finder’s 2024 customer satisfaction survey were very positive about LV=, with many highlighting its “reliable” customer service and competitive rates.

One customer said they’d found it “easy to get through on the phone and speak to an actual person”.

In our survey, 84% of LV= customers said they’d recommend the brand to a friend. However, those who were critical of LV= cited hikes in renewal premiums.

What proportion of LV= car insurance customers would recommend it to friends/family?

ResponseLV customersAverage for all brands in our survey
This year83.53%80.55%
Last year80.86%78.53%
Source: Finder survey by OnePoll of 750 Brits

Frequently asked questions

Car insurance scores

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.

To find out more, read our full methodology.

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
*99.6% of direct motor claims paid Oct ’20 – Sept ’21.

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