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What car insurance coverage does LV offer?
LV offers two main types of insurance: third-party and fire and theft, and comprehensive car insurance. Third-party and fire and theft insurance includes the following coverage:
- Injuries to other people
- Damage to other people’s property
- Fire damage
- Theft
- Equipment fitted to the car by the manufacturer
- Equipment fitted to the car after manufacture
- European coverage
- Driving other cars
Comprehensive car insurance includes the following coverage:
- Accidental damage to the car
- Equipment fitted to the car by the manufacturer
- Equipment fitted to the car after manufacture
- Replacement of a new car
- Medical treatment expenses
- Personal accident
- Road rage
- Enhanced theft
- Misfuelling
- Windshield repair
- Personal belongings
- Continued travel
- Key cover
- Child seats in the car
- Non-insured driver promise
- Vandalism promise
Optional LV Car Insurance
You can add a number of optional features to your LV car insurance policy, including:
- Legal protection for the car
- Guaranteed hire car cover
- Increased personal accident cover
- Roadside assistance cover
- No-claims discount protection
How to make a claim with LV Car Insurance
If you need to make a car insurance claim with LV, you should follow these steps:
- Ensure everyone’s safety
- Exchange details and take notes
- Contact LV as soon as possible
- LV will take the next steps
How to cancel LV Car Insurance
You will need to contact LV to cancel your car insurance. You can reach the provider at 0330 678 5111.
How to contact LV Car Insurance
If you need to contact LV about anything unrelated to claims, you can do so via live chat or by phone.
If you wish to make a complaint, you can use the numbers mentioned above.
Customer Reviews of LV Car Insurance
LV has an “Excellent” rating on Trustpilot with a score of 4.5 out of 5, based on over 68,400 reviews. However, it should be noted that these ratings are for the LV brand as a whole, not just for car insurance products.
What is LV’s Defaqto Rating for Car Insurance?
In addition to the “Excellent” Trustpilot rating, LV also receives the following ratings on Defaqto:
- Third-party and fire: ★★★
- Comprehensive: ★★★★★
How does LV compare to its competitors?
Here is a table showing LV’s ratings compared to its competitors:
| Provider Name | Trustpilot Rating | Defaqto Rating |
|---|---|---|
| Direct Line | 3.7 stars | 5 stars |
| People’s Choice | 1.4 stars | 5 stars |
| Hastings Direct | 4.1 stars | 5 stars |
| Admiral Insurance | 4.4 stars | 5 stars |
| Aviva | 4.0 stars | 5 stars |
| AXA | 4.3 stars | 4 stars |
| esure | 3.1 stars | 5 stars |
| Ageas | 4.1 stars | 5 stars |
| NFU Mutual | 4.4 stars | 5 stars |
Conclusion
There aren’t many options when it comes to LV Car Insurance. However, with a five-star rating for comprehensive coverage from Defaqto, and the best Trustpilot rating among the largest insurance providers in the UK, this simplicity may have worked in its favor.
However, this limited variety of policies means that features such as roadside assistance or legal protection for the car are not included as part of the core insurance but can be added as optional extras.
You can also get a 10 percent discount if you bundle your car insurance with LV Home Insurance, and a 12.5 percent discount for each car with a multi-car policy.
Frequently Asked Questions about LV Car Insurance
What does LV stand for in insurance?
LV stands for Liverpool Victoria, a name dating back to 1843 when the company was known for life insurance at a penny.
Who owns Liverpool Victoria Car Insurance?
LV, or Liverpool Victoria, is a part of Allianz Holdings PLC along with its short-term brand Flow Car Insurance.
Connor Campbell
Connor Campbell is a personal finance and business writer, and he has been producing online content for nearly a decade.
Connor now works as a personal finance expert at Independent Advisor, helping readers navigate everything from insurance and bank accounts to energy and loans.
In
As a writer and spokesperson at NerdWallet, Connor has explored many topics that interest him, such as the impact of our increasingly cash-dependent society, and the struggles and triumphs of British entrepreneurs.
At Spreadex, the financial trading company, his market commentary has appeared on platforms like The Guardian, BBC, Reuters, and Evening Standard.
Connor is an avid reader with a Master’s degree in English, and is committed to making financial life decisions just a little easier by eliminating expert jargon and unnecessary complexity.
Source: https://www.independent.co.uk/advisor/insurance/lv-car-insurance-review
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