LV Life Insurance Contact Number: All the Key Lines

The LV life insurance contact number for existing policy queries is 0800 678 1906, with lines open 9am to 5pm, Monday to Friday. Use this number to check your amount of cover, update your details, request policy documents or cancel a plan. Claims are handled on a separate line, and there is a dedicated number for calling from abroad.

LV= (the trading name of Liverpool Victoria) offers term-based life insurance, so different queries route to different teams. Getting through to the right one first time saves a redial. Below are every current LV= life insurance line, what each is for, the opening hours, and how the claims, complaints and overseas routes work.

Free Price Compare is FCA-authorised and arranges life cover with our protection partner LifeSearch. This page explains your options in plain terms so you can decide what fits your situation, and it draws figures from named UK sources such as the ABI.

Last updated: September 2026

Written by the Free Price Compare editorial team | Reviewed September 2026

What is the LV= life insurance phone number and opening hours?

The main LV= life insurance customer service number is 0800 678 1906, and lines are open 9am to 5pm, Monday to Friday, with no weekend service. This line covers existing policies: checking your amount of cover, updating personal details, requesting policy documents and cancelling a plan. It is a freephone 0800 number, so calls from UK landlines and mobiles are free.

For TextDirect users, first dial 18001 then the number. If your query is a claim rather than a policy change, a different line applies, and calls from overseas use a separate international number. Both are covered below.

Numbers and hours are indicative and may change, so check the LV= website before calling if in doubt.

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How do I update or change my life insurance policy details?

To update or change your LV= life insurance details, call the existing-customer team on 0800 678 1906 between 9am and 5pm, Monday to Friday. Common changes handled on this line include updating your address, contact details, payment information or nominated beneficiaries. Some changes to the level of cover may need underwriting, which the team will explain when you call.

Have your policy number to hand before you dial, as it speeds up identity checks. Keep a note of who you spoke to and the date, and ask for written confirmation of any change so you have a record. If your circumstances have shifted, for example a new mortgage or a new child, it is worth reviewing whether your existing cover still matches your needs before making a change. Our overview of what life insurance is and how it works explains the main policy types.

How do I make a claim on an LV= life insurance policy?

To make a claim on an LV= life insurance policy, you or your legal representative can call 0800 756 5869, open 9am to 5pm, Monday to Friday; for TextDirect, first dial 18001 then the number. This is a separate line from the general policy team, so using it directly avoids being transferred. The claims team will guide you through the documents needed, which usually include the death certificate and the policy details.

According to the Association of British Insurers (ABI), insurers paid 97.9% of individual protection claims in 2025, with 258,000 new individual claims paid and an average claim of £19,300. Across the year, insurers paid billions of pounds in individual life, income protection and critical illness claims. These figures show that valid claims are paid in the large majority of cases, which is reassuring at a difficult time.

If the policy was written in trust, the payout may be paid more quickly and kept outside the estate for distribution to beneficiaries.

How do I cancel my LV= life insurance and will I get a refund?

To cancel LV= life insurance, call 0800 678 1906, open 9am to 5pm, Monday to Friday, and ask to cancel your plan. Whether you get a refund depends on timing. Many UK life insurance policies include a cooling-off period at the start, during which you can cancel and may get back any premiums paid.

After the cooling-off period, term life insurance generally has no cash-in value, so cancelling usually stops future premiums and ends the cover from your next payment date. There is usually no refund of premiums already paid because you were covered during that time. Before cancelling, weigh up whether you still need protection, especially if you have a mortgage or dependants, because cover often costs more to arrange again later at an older age. You can compare life insurance quotes to see what replacement cover might cost first.

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How do I make a complaint about my LV= life insurance?

To complain about LV= life insurance, write to Customer Complaints, Box 2, LV=, County Gates, Bournemouth, Dorset BH1 2NF, or raise it by phone on 0800 678 1906. Explain what went wrong, what you would like put right, and include your policy number. Firms regulated by the Financial Conduct Authority (FCA) must acknowledge complaints promptly and normally have up to eight weeks to send a final response.

If you are unhappy with the response, or eight weeks pass without one, you can escalate to the Financial Ombudsman Service free of charge. The Ombudsman is an independent body that can review the case and make a binding decision. Keep copies of all letters, emails and call notes to support your case.

What number do I call to contact LV= from abroad?

To contact LV= about life insurance from abroad, call +44 1392 366 685, open during UK business hours of 9am to 5pm, Monday to Friday. This international number covers the same existing-customer queries as the freephone UK line, including checking cover and updating details. Standard international call charges from your phone provider apply, unlike the free UK 0800 number.

If you are calling from a different time zone, factor in that lines follow UK time and close at weekends and on UK bank holidays. Where possible, have your policy number and a UK contact address ready to speed up identity verification.

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Does LV= still sell over-50s and whole-of-life cover?

LV= no longer sells over-50s plans or whole-of-life insurance to new customers, and now offers term-based life insurance only. Existing over-50s and whole-of-life policyholders keep their cover and continue to use the same LV= contact lines. New applicants can take out level, decreasing or increasing term cover, with critical illness or income protection as add-ons, and LV= advertises cover from £5 a month.

If you are searching for a guaranteed-acceptance over-50s plan, other providers still offer them. Many people compare fixed-payout over-50s and level term options from several insurers, and some also look at Legal & General life insurance, which remains one of the most searched providers for over-50s cover in the UK. The right choice depends on your age, health and what you want the payout to do.

What is a decreasing term policy for?

Decreasing term life insurance is cover where the payout reduces over time, designed to sit alongside a repayment mortgage as the outstanding loan falls. According to MoneyHelper, level term keeps the same payout throughout, while decreasing term is often chosen to match a shrinking debt. Decreasing term usually costs less than level term for the same starting sum because the insurer’s risk falls each year. Compare both against what you want the money to cover.

Do insurers check your medical records for life and critical illness cover?

Insurers can ask to see your medical records when you apply for life or critical illness cover, but usually only with your written consent. Most applications start with health and lifestyle questions, and the insurer may then request a report from your GP or ask for a medical to confirm the answers. Answering honestly matters, because non-disclosure can lead to a claim being reduced or declined later.

Existing conditions do not automatically mean a refusal. Depending on the condition, an insurer may accept the application at a standard price, add a higher premium, apply an exclusion, or decline. If one insurer declines, others may assess the same condition differently, so comparing across the market is worthwhile. Digital consent tools are speeding this up; our note on how an e-signature speeds up medical data consent explains the process.

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How much does life insurance cost in the UK?

Life insurance in the UK can cost significantly less for young, healthy non-smokers and more as age, health and cover level increase. Smoking can substantially increase the price for the same policy, and the type of cover matters too, with decreasing term usually cheaper than level term. LV= advertises its term cover from £5 a month for the lowest-risk applicants.

Prices vary widely between insurers for identical cover, so the same policy can differ materially depending on the provider. Comparing several insurers is the most reliable way to see the true range for your circumstances.

Figures are indicative and may change. You can also read about income protection insurance if replacing lost earnings is your main concern.

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Information correct as of 18 September 2026. Prices, tariffs, policy details and providers change frequently, so please check the latest details before making a decision. This article is for general information only and does not constitute financial advice. Free Price Compare is authorised and regulated by the Financial Conduct Authority (FCA).