Car insurance reviews LV= car insurance review

 

Which? Score 3rd out of 37 car insurers	%
Customer Score 4th out of 37 car insurers	%
Policy Score 6th out of 37 car insurers	%

LV= car insurance review

The latest Which? customer satisfaction data saw LV= record a score of 75%, which was the fourth best score and maintained the insurer's consistent performance. The insurer has been a Which? Recommended Provider since we launched the scheme in 2010.

LV='s Car Insurance policy

Policy highlights:

• Unlimited cover on windscreens, windows and sunroofs
• No standard compulsory excess for fire, theft and accidental damage
• NCD protection that will allow any number of claims
• Courtesy car as standard during repairs
• No limit for loss of keys

Most important policy elements
Interest charged on payment by installments (APR)
Renewal fee
Personal belongings limit

Medical expenses limit
Theft of keys limit
Fire excess (standard compulsory)
Theft excess (standard compulsory)
Accidental damage excess (standard compulsory)

Secondary policy elements
Keys in car exclusion
Legal expenses (where you are liable)
Setup fee

Adjustment fee
Duplicate documents fee
Cancellation fee
Year 1 cancellation
Windscreen limit
Windows limit
Sunroof limit
Loss of keys limit
No fault no claims discount (NCD) benefit?
No fault excess benefit?
Uninsured driver NCD benefit?
Uninsured driver excess benefit?
NCD protection offered
NCD protection claims (number per year)
Courtesy car as standard?
Courtesy car (standard) - guaranteed availability
Courtesy car limit
Windscreen replacement excess (standard compulsory)
Driver under-21 excess (standard compulsory)
Driver 21-24 excess (standard compulsory)

Other policy elements
Cancellation notice
Audio limit - manufacturer
Sat Nav limit - manufacturer

Child car seat cover
New car replacement
New car damage
New car period
Total loss courtesy car?
Total loss courtesy car as standard?
Total loss courtesy car period
Windscreen repair excess (standard compulsory)
24 hour emergency helpline?
24 hour emergency helpline standard or optional?
24 hour windscreen helpline?
24 hour windscreen helpline standard or optional?
24 hour legal advice helpline?
24 hour legal advice helpline standard or optional?
Contact Number

LV='s Car Insurance policy scores

We analyse and rate the 49 most important elements of standard car insurance policies to come up with the overall policy score. We assess how important each individual element is to drivers when choosing and using a car insurance policy, and weight it accordingly when calculating our total policy score. Initially,  we score all of the product elements out of 5, reflecting how competitive each provider is in this area compared to other insurers. Weightings are then applied to the higher and lower element scores to enhance/reduce their impact in the overall product score.