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LV= (Liverpool Victoria) provides car insurance with many options. It is a trusted choice for drivers in the UK. With nearly two hundred years of experience, LV= gives both full coverage and third-party fire and theft. They also have various add-ons. This way, you can adjust your insurance to meet your needs.

Types of LV Car Insurance Policies

LV offers two main types of car insurance. They are Third Party, Fire & Theft and Comprehensive. Here’s a brief overview of what each policy covers:

Feature Third Party, Fire & Theft Comprehensive
Injuries to Other People ✔ ✔
Damage to Other People’s Property ✔ ✔
Theft Protection ✔ ✔
Fire Damage Protection ✔ ✔
Accidental Damage to Your Car ❌ ✔
Manufacturer-Fitted In-Car Equipment ✔ (Fire/Theft) ✔ (Fire, Theft, Accident)
Aftermarket Equipment ✔ (Up to £1,000) ✔ (Up to £1,000)
New Car Replacement ❌ ✔ (if written off within 12 months)
Medical Expenses Optional (£100,000) ✔ (Up to £250 per person)
Personal Accident Cover Optional (£100,000) ✔ (Up to £10,000)
Road Rage & Aggravated Theft Cover ❌ ✔ (Up to £500)
Misfuelling Cover ❌ ✔
Windscreen Repair ❌ ✔
Personal Belongings ❌ ✔ (Up to £300)
Onward Travel & Accommodation ❌ ✔ (Up to £500)
Key Cover ❌ ✔
Child Car Seats ❌ ✔
Uninsured Driver Promise ❌ ✔
Vandalism Cover ❌ ✔

Additional Policy Benefits and Optional Extras

LV lets people change their car insurance policy. They can add optional extras, such as:

  • Motor Legal Protection: This plan can help you pay legal costs up to £100,000 if you're not to blame for an accident. You can get it for £26.99 a year.
  • Guaranteed Hire Car Cover: If your car is in the shop for repairs, you will receive a hire car. Prices start at £19.90 a year for a small hatchback and £29.90 a year for a family car.
  • Extended Personal Accident Cover: You can increase your personal accident cover to £100,000.
  • Breakdown Cover: LV provides several types of breakdown cover starting at £26 a year. This includes help from local services and full support in the UK and Europe.
  • Protected No Claims Discount: If you do not make a claim for four years or more, you can still claim without losing your discount.

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LV Electric Car Insurance

LV offers full car insurance for electric cars. It has special features designed just for electric vehicles.

  • Get Help If You Lose Power: LV can assist you if your car battery dies.
  • Protection for Charging Things: This keeps your charging cables, wall boxes, adapters, and battery safe from theft, fire, or accidental damage.
  • Liability for Electric Charger: This covers accidents that occur due to the electric charging cable.
LV Electric Car Insurance

Multi-Car Insurance with LV

LV’s multi-car insurance offers a 12.5% discount for every extra vehicle you include. This option is simple to use and helps you save money. It is perfect for families or homes with more than one car.

LV No Claims Discount (NCD)

LV rewards safe driving by giving you a No Claims Discount (NCD) for every year you drive without making a claim. If you have four or more years of NCD, LV allows you to keep this discount. This means you can make claims and still keep your discount.

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How to Make a Claim with LV Car Insurance

In a car accident or if your car is harmed, LV helps you file a claim quickly and easily. Here’s what to do:

  • Ensure Safety: First, check that everyone involved in the accident is safe.
  • Exchange Details: Share your policy numbers and information with the other driver. Also, take pictures of the damage and write down key details.
  • Contact LV: Call LV to report the accident right away at 0330 678 5550. If you are outside the UK, call +44 1689 898603.
  • Follow LV’s Guidance: LV will assist you with what to do next for the claims process.
LV Car Insurance: Key Cover Areas and Unique Benefits

LV Car Insurance: Key Cover Areas and Unique Benefits

LV Car Insurance provides full car insurance plans. These plans have many added features. LV is a part of Allianz Holdings Plc. Their policies cover different problems. This includes coverage for fire damage and misfueling. Here are the key coverage areas and how they compare with other companies.

Key Cover Areas and Ratings

Cover Area Details Rating
Fire Excess £100 ★★★★☆
Theft Excess £100 ★★★☆☆
Accidental Damage Excess £100 ★★★★☆
Windscreen Replacement Excess £95 ★★★★☆
Policyholder's NCD Affected if Car is Hit While Parked Yes - but can be reinstated ★★★☆☆
Windscreen Damage Limit per Claim Market value ★★★★★
Window Damage Limit per Claim Market value ★★★★★
Cancellation Fee (after cooling-off period) £40 ★★★☆☆
Repairs Guarantee Period Lifetime guarantee ★★★★★
Total Loss Courtesy Car Optional extra ★★★☆☆
Replacement Car (as Standard) Optional extra ★★★☆☆
Replacement Car (Guaranteed Availability) Provided as standard for some policies ★★★★★
Misfuelling Cover Covers drainage of fuel and engine damage ★★★★★
Onward Travel Limit £500 ★★★★☆
Driving Other Cars Cover Level Third party only ★★★☆☆
Driving Other Cars (Emergency Only) No, available for regular use ★★★★★

LV Car Insurance Customer Reviews

LV Car Insurance has a strong rating on Trustpilot. It has a score of 4.4 out of 5 from more than 74,668 reviews. Customers find it easy to get quotes. They also appreciate the clear policy documents. Many feel happy with LV’s customer service team for their quick responses.

The breakdown includes:

  • 5-star: 80%
  • 4-star: 13%
  • 3-star: 2%
  • 2-star: less than 1%
  • 1-star: 4%
LV Car Insurance Customer Reviews

How to Cancel LV Car Insurance

To cancel your LV car insurance policy, you need to contact LV. You can reach their customer service team by calling 0330 678 5111. If you cancel, there might be a cancellation fee, depending on when you do it.

  • In the first 14 days after your start date: £0
  • After 14 days: £40, or LV may decide to cancel your policy.

Make sure you have your car policy details when you call. Have your policy number and payment information ready. If you are cancelling due to a change in your situation or vehicle, this might affect your claim discount. It could also impact your motor legal expenses protection. It’s smart to review your whole policy. Pay attention to any extra charges or changes, especially with comprehensive cover or windscreen claims.

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How to Contact LV Car Insurance

  • For questions that are not about claims, you can contact LV using these ways:
  • Live chat: Visit LV's live chat page to reach out to us.
  • Phone: For help, you can call 0330 678 5222 for customer service. Our phone lines are open Monday to Friday from 8 am to 8 pm. On Saturdays and Bank Holidays, we are available from 9 am to 5 pm. On Sundays, feel free to call from 10 am to 4 pm.

For complaints, you can:

  • If you have any problems with sales or service, call 0330 678 5111. For complaints about claims, call 0330 678 5578.
  • You can email [email protected] for complaints about sales or service. For issues related to claims, use [email protected].

When you ask for help, it’s helpful to have your car insurance renewal date, payment details, and policy info ready. The live chat team is there to help you with your policy. They can tell you how to handle third party claims and get repair services. If you have questions about your windscreen provider or the windscreen excess, they will support you. This is the first step of the process.

LV car insurance compare to other insurance providers

How does LV car insurance compare to other insurance providers in terms of cost and benefits?

LV car insurance offers competitive rates and a range of benefits, such as uninsured driver promise and new-for-old car replacement. While costs vary based on factors like age and location, LV often stands out for its affordable premiums and excellent customer service compared to other insurance providers.

Frequently Asked Questions about LV Car Insurance

LV stands for Liverpool Victoria. This was the company's original name, and it began in 1843.

To file a claim, you can call LV at 0330 678 5550. You can also report the event by using their online account services.

You can get breakdown cover for just £26 each year. There are several types of coverage available. You can pick local help or a plan that covers all of the UK and Europe.

LV offers special car insurance for electric cars. This policy helps you if your car runs out of power. It also covers your charging cables and batteries.

Drivers with four or more years of No Claims Discount (NCD) can choose protected NCD. This option allows them to file claims and still keep their discount.

LV offers car insurance that is flexible and complete. Customers really like it and many drivers choose it. People trust LV because it is dependable, cost-effective, and has many options for coverage.

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Page last updated on: 24/12/2024

Page reviewed by: Shay Ramani

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