Everything you need to know about LV car insurance

What is LV car insurance?

Liverpool Victoria (LV), which trades as LV=, is one of the biggest car insurers in the UK

Liverpool Victoria was dropped as the consumer facing name in 2007 and replaced by LV= though it remains the legal name for most of the products within LV insurance.

How to contact LV car insurance

You can get in touch via the LV car insurance phone number:

  • 0330 678 5111 (Monday to Friday: 8am – 8pm, Saturday and Bank Holidays: 9am – 5pm, Sunday: 10am – 4pm)

If you’d prefer not to use the LV car insurance contact number, you can get in touch via online chat.

How to compare LV car insurance quotes

You can compare an LV car insurance quote on Caura by clicking here

LV car insurance reviews

LV car insurance has received the following reviews:

  • Trustpilot: 4.5 stars (69,508 reviews)[1]
  • Which?: 77% policy score on its standard policy (1st out of 34), 79% customer score, (1st out of 15)

What types of car insurance can you get from LV?

LV offer two main policies, detailed below:

 

Third party, fire and theft

Comprehensive

Level of cover

Third party, fire and theft

Comprehensive

Injuries to others

Yes

Yes

Damage to other people’s property

Yes

Yes

Theft

Yes

Yes

Fire damage

Yes

Yes

Repairs

No

Yes

Legal costs

Optional

Optional

Medical expenses

Optional

Up to £250 per injured person, £500 for injuries relating to assault or aggravated theft, £10,000 in personal accident cover which can be increased to £100,000

Driving other cars

Yes, with eligibility depending on the specific policy

Courtesy car provision

No

Breakdown cover

Optional

Windscreen

No

Yes

Personal item cover

No

Up to £300

Locks and keys cover

No

Yes


LV car insurance also offer some more specialist policies, such as electric car insurance and Multi car insurance.

Electric car insurance

Their electric car insurance offers the same cover as Comprehensive cover with the addition of covering charging cables, wall boxes, batteries and adaptors.

They also cover you for running out of charge when you’re on the go – they’ll get you to a charging point.

If you are leasing your electric car battery separately, you’ll still be covered for accidental damage, fire and theft. If you have an electric car, it’s worth look at tailored insurance to ensure you’re covered for EV specific problems that could arise.

Multi car insurance

LV insurance also offer Multi car insurance, where you can add up to 6 cars and 12 drivers on just one policy.

You’ll save 12.5% on each car added to the policy and you can add vehicles at any time – you can set a date in the future to add your vehicle and still receive a discount. According to LV, it’s the cheapest way to get annual cover.

Other policies

Experienced drivers over 50 can benefit from their over 50s car insurance, whilst those at the start of their driving experience can use their Learner driver insurance.

Read more about different types of car insurance policy here

How to make changes to, or cancel LV car insurance

If you need to make a change to your LV insurance, such as changing your vehicle, or you need to cancel, you can get in touch via the LV car insurance contact number:

  • 0330 678 5111 (Monday to Friday: 8am – 8pm, Saturday and Bank Holidays: 9am – 5pm, Sunday: 10am – 4pm)

You can also use online chat, or their cancellation form. If you cancel before your policy starts, you won’t be charged or pay a fee. If you cancel within 14 days of your policy starting you’ll be charged for the time you’ve been insured. If you cancel after 14 days, you’ll also be charged a £40 fee. [2]

How to make an LV car insurance claim

If you need to make a claim with LV car insurance, you can use the following contact numbers:

  • Windscreen or glass claims: 0330 678 5590
  • All other claims: 0330 678 5550 (if you’re abroad, it’s +44 1689 898603)

[1] 127 out of 209 companies in the insurance category. The score is for their insurance as a whole, not just car insurance. Accessed 15-Feb-24

[2] LV= website. Accessed 15-Feb-24

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