One of the larger insurers in the UK, LV (sometimes referred to as LV=) was awarded our Insurance Provider of the Year accolade in 2019.
Its policy is underwritten by Liverpool Victoria Insurance Company LTD.
- Read our reviews of all the insurers who took part in our car insurance analysis
What does LV car insurance cover?
The information below gives an at-glance view of the key areas that LV's car insurance covers as standard.
Elements marked with a ✓ are covered as standard, those marked with a ✘ are not covered as standard. Elements marked with a £ can be added to a policy as optional extras for an additional cost.
✓ Personal accident
Covers the policyholder and passengers if they are injured in an accident
✓ Stolen keys cover
Covers the cost of replacing keys and locks in the event that your car keys are stolen
✓ Lost keys cover
Covers the cost of replacing keys and locks in the event that your car keys are lost
£ Courtesy car
Provides the policyholder with a car to use while repairs are carried out on their vehicle as part of a claim
£ NCD protection
Allows the policyholder to make a specified number of claims over a period without affecting their no claims discount
£ Motor legal protection
Covers legal expenses for legal action you may take as the result of an accident
Does LV offer the best car insurance?
Here's how LV scored in our latest car insurance survey:
To help you find the best car insurance policy, Which? goes the extra mile to sort the best from the worst.
How we analyse car insurance
We analyse and rate 73 key 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 five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance / reduce their impact in the overall product score.
LV's car insurance policy: is it good or bad?
We've rated hundreds of policy details and picked out the best and worst elements of this cover.
In detail: every part of LV's car insurance rated
Table last updated in March 2020. Next update in January 2021.
To see how LV's car insurance compares to other policies check out our guide on the best and worst car insurance.
How did customers rate LV's car insurance?
As well as looking at how LV's car insurance policy stacks up against others, we've also analysed how customers who have recently made a claim feel about it too.
Members can log in to see our range of customer service star ratings and read about individual customers' experiences. If you're not already a member, you can sign up to a one month trial of Which? Money for just £1 to access this review and thousands of others.
How LV's car insurance scored for seven elements of customer satisfaction.
Table last updated in March 2020. Next update in January 2021
"-' represents where we have insufficient sample size (less than 30) to generate a star rating
How can you save money on LV car insurance?
LV's car insurance policy is available on the following price comparison websites as either LV Extra, which includes motor legal protection as standard, or LV Plus, which includes a guaranteed hire car if your vehicle is being repaired as par of a claim as standard:
- Compare the Market
- Go Compare
- Money Supermarket
✓ Multi car discount
Discount for more than one car insured, regardless of whether the policy is a multi car policy or not.
✓ Membership discount
Some affinity groups members get a discount on their premium. See LV website for more details
✓ Joint car and home insurance discount
5% off car insurance if the customer has a home insurance policy.
✘ Renewal or fixed-premium guarantee
✘ Dash cam discount
✘ Rewards scheme
Above information correct as of December 2019
What is LV's car insurance claims number?
If you need to make a claim with LV car insurance call 0800 032 2577. For windscreens call 0800 169 9499.
- Find out more: is it worth claiming on your car insurance?
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