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LV car insurance review

Read Which?'s expert review of LV's car insurance. Using real customer reviews and expert analysis, we've ranked LV out of 30 providers
Dean SobersSenior researcher & writer

In this article

What does LV car insurance offer?

LV General Insurance is one of the larger insurance brands in the UK.

It offers one comprehensive policy through its website, which we've reviewed. Slightly different variations – known as LV Extra and LV Plus – are available through comparison websites.

LV General Insurance is part of Allianz. It will insure drivers aged between 17 and 110. See what we thought of the insurer with our expert LV car insurance review.

Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.

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Does LV offer the best car insurance?

Here's how LV scored in our latest car insurance survey:

  • Which? Recommended Provider
  • 71% customer score 2nd out of 19 insurers we had customer scores for
  • 77% policy score on its standard policy, so it's joint-1st out of the 31 providers we reviewed
  • 76% claims score 2nd out of 19 insurers we had claims scores for

See how this compares with the best car insurance.

LV car insurance: Key cover areas rated

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Fire excess£100

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Theft excess£100
Accidental damage excess£100
Windscreen replacement excess£95
Is the policy holder's NCD affected if car is hit while parkedYes, but can be reinstated
Windscreen damage - limit per claimMarket value
Window damage - limit per claimMarket value

Tables last updated January 2025. Next update January 2026. We recommend checking policies before buying.

How good is LV's car insurance policy?

LV is a Which? Recommended Provider and its policy is a Which? best buy.

With a policy score of 77%, LV's policy held joint first place in our tables, from 76 policies we examined.

Among its highlights, LV's policy will pay to get you to your destination or for overnight accommodation if an accident strands you on route.

In addition, its no-claims discount protection doesn't limit the number of claims it shields your bonus from in a year (the limit is typically two claims over three years).

One area in which it fared less well than other policies in our analysis is that it doesn't offer a courtesy car as standard – you need to pay extra for this to be included. 

Consistent cover

LV's policy score wasn't earned through excellence in a few choice areas, but more widely. Its policy was the most consistent high-scorer in our analysis, doing well in 68 of the 79 cover areas we assessed.

LV vs LV Extra and LV Plus

If you buy LV's policies through a comparison website, you'll have the choice of LV Extra and LV Plus options to select, in addition to the standard policy. 

Extra includes motor legal protection (which is optional in the standard policy), while Plus guarantees a hire car to use while your car is under repair.

How did customers rate LV's car insurance?

We asked LV customers who have recently made a claim how they felt about their car insurance.

LV received a 71% customer score, placing it second of the 19 car insurers we received sufficient responses for in our customer survey. 

Customers were also asked to rate their most recent claim. LV received a score of 76%, again placing it second out of 19 companies we scored.  

Here's how customers rated LV in various areas of service:

Customer satisfaction

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

Tables last updated January 2025. Next update January 2026. Customer score sample size is 316. Claims sample size is 297.

How can you save money on LV car insurance?

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

  • Compare the Market
  • Confused.com
  • GoCompare
  • MoneySuperMarket

LV offers other policies with different elements of cover added in: LV Extra and LV Plus.

If you buy LV's car insurance online (as opposed to by phone), you'll benefit from an online discount. It also offers discounts if you cover more than one vehicle with LV and a 5% discount if you already own an LV home insurance policy. 

Above information correct as of November 2024.

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How does LV compare with other providers?

LV scored 71% for customer satisfaction, 77% for policy score, and 76% for claims handling, placing it among our top car insurers. 

It's a Which? Recommended Provider and sits comfortably alongside NFU Mutual and Aviva as one of the most trusted options available.

LV: How can you claim?

If you need to make a claim with LV car insurance, call 0330 678 5550, or 0330 678 5590 for windscreen or glass damage claims. Windscreen and glass claims won't affect your no-claims discount.

LV FAQs

Who owns LV insurance?

Liverpool Victoria General Insurance Group Limited (LV=GIG) is 100% owned by Allianz Holdings plc.

What is the phone number for LV car insurance?

If you have an existing LV car insurance policy and want to make changes to your policy, you can reach it on 0330 678 5111.

Find out how LV rates for other products

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About Us

Which? Limited is registered in England and Wales to 2 Marylebone Road, London NW1 4DF, company number 00677665  and is an Introducer Appointed Representative (FRN 610689) of the following:


1. Inspop.com Ltd for the introduction of non-investment motor, home, travel and pet insurance, who are authorised and regulated by the Financial Conduct Authority (FCA) to provide advice and arrange non-investment motor, home, travel and pet insurance products (FRN310635). Inspop.com Ltd is authorised and regulated by the Financial Conduct Authority (FCA) to provide advice and arrange non-investment motor, home, travel and pet insurance products (FRN310635) and is registered in England and Wales to Greyfriars House, Greyfriars Road, Cardiff, South Wales, CF10 3AL, company number 03857130. Confused.com is a trading name of Inspop.com Ltd. 


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4. Alan Boswell Insurance Brokers Ltd (FRN 301), for the introduction of non-investment landlord insurances, who are authorised and regulated by the Financial Conduct Authority to provide advice and arrange insurance contracts. Alan Boswell insurance brokers Ltd is registered in England at Prospect House, Rouen Rd, Norwich NR1 1RE, company number 02591252.


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