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LV car insurance review

Read Which?'s expert review of LV's car insurance. Find out how we rate LV's car insurance policy against 33 other providers.

In this article
What does LV car insurance cover? Does LV offer the best car insurance? LV's car insurance policy: is it good or bad?
How did customers rate LV's car insurance? How can you save money on LV car insurance? What is LV's car insurance claims number?

One of the larger insurers in the UK, LV is sometimes referred to as LV=.

LV is part of Allianz Holdings PLC (along with sister brand Flow).

Its policy is underwritten by Liverpool Victoria Insurance Company LTD.

What does LV car insurance cover?

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

 

£ No Claims Discount (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:

Car Insurance
LV review
Overall Which? score
%
Our total score score combines ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 50% of the car insurance policy score.
Which? customer score
%
Which?'s rating for customer satisfaction, based on feedback from real customers who recently made a claim. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Policy score
%
Which?'s rating of the quality of this company's car insurance policy. We analysed 73 features of its cover to calculate the policy score.
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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 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.

Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.

In detail: every part of LV's car insurance rated

Weighting Policy element Details Rating
Most important Courtesy car - included? Logged out detail Logged out padlock
Most important Courtesy car - guaranteed availability? Logged out detail Logged out padlock
Secondary Courtesy car period Logged out detail Logged out padlock
Other Courtesy car provided if car is stolen? Logged out detail Logged out padlock
Most important Windscreen damage - limit per claim (Approved Repairer / Non-approved repairer) Logged out detail Logged out padlock
Most important Window damage - limit per claim (Approved Repairer / Non-approved repairer) Logged out detail Logged out padlock
Secondary Sunroof damage - limit per claim (Approved Repairer / Non-approved repairer) Logged out detail Logged out padlock
Secondary Personal belongings - limit per claim Logged out detail Logged out padlock
Other Medical expenses - limit per claim Logged out detail Logged out padlock
Other Physio treatment included under medical expenses? Logged out detail Logged out padlock
Other Prescription costs included under medical expenses? Logged out detail Logged out padlock
Other Dental treatment included under medical expenses? Logged out detail Logged out padlock
Other Audio equipment - Limit per claim (Manufacturer fitted / Non-manufacturer fitted Logged out detail Logged out padlock
Other Sat Nav - Limit per claim (Manufacturer fitted / Non-manufacturer fitted) Logged out detail Logged out padlock
Other Child car seat - Limit per claim Logged out detail Logged out padlock
Secondary Misfuelling cover - included? Logged out detail Logged out padlock
Secondary Misfuelling cover - what's covered? Logged out detail Logged out padlock
Secondary Misfuelling cover - limit per claim Logged out detail Logged out padlock

Table last updated in February 2022. Next update in February 2023.

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, join Which? and get full access to these results and all our reviews.

LV's car insurance customer satisfaction.

Customer satisfaction element

 

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Application Process Logged out padlock
Clarity of Policy Logged out padlock
Dealing with queries Logged out padlock
Ease of managing your policy online Logged out padlock
Fair treatment of longstanding customers Logged out padlock
Dealing with complaints Logged out padlock
Value for money Logged out padlock

Table last updated in February 2022. Next update in January 2023. '-' means we have insufficient sample size (less than 30) to generate a star rating.

How can you save money on LV car insurance?

The first offer an insurer makes isn’t necessarily the best it's able to provide - especially if you’re renewing. So, before coughing up your cash, check what other insurers are offering for comparable cover and ask if your current insurer can better it.

 

Carefully consider what’s optionally included in the quote. You may want the confidence of an all-singing, all-dancing policy - but certain add-ons might not be for you, or could duplicate cover you already have separately.

 

Where you buy your cover can sometimes make a difference to what you’ll end up paying, which is why we recommend checking prices through multiple comparison sites (where available) as well as trying them direct.

LV's car insurance policy is available on the following price comparison websites:

  • Compare the Market
  • Confused.com
  • Go Compare
  • Money Supermarket

Note: LV's car insurance may be under a different name with different covers offered on some comparison sites - generally 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 part of a claim as standard.

Other ways you can save when buying car insurance include:

 

Multi-car discount

 

A discount to the premium for insuring more than one car on a single policy with the same provider.

 

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.

 

 

Dash cam discount

 

LV doesn't offer a discount for having a dash cam installed in your car.

 

Above information correct as of December 2021.

We’re working with Confused.com to help you get a great deal on your car insurance. Search for a new policy now.

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.

 

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