LV=

LV= is one of the UK’s largest insurance companies. It is also the UK’s largest mutual companies, meaning it is owned by its members.  

It was founded in 1843 as Liverpool Victoria and changed its name in 2007. Its headquarters are in Bournemouth. Its general insurance arm – selling products like car, pet and home insurance – is now owned by German insurer Allianz.

LV=
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Gold ribbon: first place

Car insurance

Ranked 3rd of 53 providers reviewed.

Customer happiness 67%
Customer trust 54%
Complaints performance 77%
Transparency rating 66%
Fairer Finance score
Reviewed Autumn 2019
66%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 17th of 49 providers reviewed.

Customer happiness 58%
Customer trust 48%
Complaints performance 77%
Transparency rating 56%
Fairer Finance score
Reviewed Autumn 2019
60%

Life insurance

Ranked 24th of 24 providers reviewed.

Claims score 95.65%
Complaints performance 77%
Transparency rating 54%
Fairer Finance score
Reviewed Autumn 2019
63%

Pet insurance

Ranked 17th of 26 providers reviewed.

Customer happiness 45%
Customer trust 40%
Complaints performance 77%
Transparency rating 53%
Fairer Finance score
Reviewed Autumn 2019
54%
Gold ribbon: first place

Travel insurance

Ranked 4th of 65 providers reviewed.

Customer happiness 54%
Customer trust 53%
Complaints performance 77%
Transparency rating 58%
Fairer Finance score
Reviewed Autumn 2019
61%

Car insurance

LV=

Car Insurance

3 stars
Cover limit for lost keys i Unlimited
Uninsured driver promise i
Courtesy car for duration of repair i Optional
Windscreen repair excess i £20
Windscreen replacement excess i £95
Cover limit for stolen keys i Unlimited
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i 95
Repairs guarantee (years) i 5 years
Courtesy car provided if stolen / total loss i Optional

Equity Release

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Flexible Lifetime Fixed

Our ratings for Equity release are hosted exclusively on The Times Money Mentor site.

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Lifetime Fixed Lump Sum Standard

Our ratings for Equity release are hosted exclusively on The Times Money Mentor site.

Go there now to find out how we rated this product.

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Lifetime Fixed Lump Sum Plus Lite

Our ratings for Equity release are hosted exclusively on The Times Money Mentor site.

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Lifetime Fixed Lump Sum Plus Max

Our ratings for Equity release are hosted exclusively on The Times Money Mentor site.

Go there now to find out how we rated this product.

Home insurance (building and contents)

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Home Insurance

4 stars
Escape of water excess i £350
Matching sets i 50%
Theft from outbuildings cover limit i Part of sum insured
24hr helpline i
Alternative accommodation cover limit i £50,000
Cover for keys if lost i Sum insured
Money in the home i £500
Replace belongings new for old i

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Home Plus Insurance

4 stars
Escape of water excess i £350
Matching sets i 50%
Theft from outbuildings cover limit i Part of sum insured
24hr helpline i
Alternative accommodation cover limit i £100,000
Cover for keys if lost i Sum insured
Money in the home i £1,000
Replace belongings new for old i

Buildings insurance

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Home Insurance

4 stars
Finding & repairing a leak cover limit i £5,000
Matching sets i 50%
Cover for keys if lost i Sum insured
Compulsory excess i £100
Escape of water excess i £350
Alternative accommodation cover limit i £50,000
Cover for keys if stolen i Sum insured
Property owner liability i £2,000,000
24hr helpline i

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Home Plus Insurance

4 stars
Finding & repairing a leak cover limit i £10,000
Matching sets i 50%
Cover for keys if lost i Sum insured
Compulsory excess i £100
Escape of water excess i £350
Alternative accommodation cover limit i £100,000
Cover for keys if stolen i Sum insured
Property owner liability i £2,000,000
24hr helpline i

Contents insurance

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Home Insurance

4 stars
Theft from outbuildings cover limit i Part of sum insured
Matching sets i 50%
Cover for keys if lost i Sum insured
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i £25,000
Money in the home cover limit i £500
Cover for keys if stolen i £750
24hr helpline i

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Home Plus Insurance

4 stars
Theft from outbuildings cover limit i Part of sum insured
Matching sets i 50%
Cover for keys if lost i Sum insured
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i £50,000
Money in the home cover limit i £1,000
Cover for keys if stolen i Sum insured
24hr helpline i

Pet insurance

Cat insurance

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Time limited 1500

3 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £1,500
Dental cover (if due to an accident) i £1,500
Cruciate ligament damage i £1,500
CT scans i £1,500
MRI scans i £1,500
Prescription diet (treatment of bladder stones only) i £1,500
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £1,500
Age when compulsory excess rises i 10 years
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £1,500

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Time limited 2500

3 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £2,500
Dental cover (if due to an accident) i £2,500
Cruciate ligament damage i £2,500
CT scans i £2,500
MRI scans i £2,500
Prescription diet (treatment of bladder stones only) i £2,500
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £2,500
Age when compulsory excess rises i 10 years
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £1,500

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Lifetime 3k

3 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £3,000
Dental cover (if due to an accident) i £3,000
Cruciate ligament damage i £3,000
CT scans i £3,000
MRI scans i £3,000
Prescription diet (treatment of bladder stones only) i £3,000
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £3,000
Age when compulsory excess rises i 10 years
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £1,500

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Lifetime 5k

3 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £5,000
Dental cover (if due to an accident) i £5,000
Cruciate ligament damage i £5,000
CT scans i £5,000
MRI scans i £5,000
Prescription diet (treatment of bladder stones only) i £5,000
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £5,000
Age when compulsory excess rises i 10 years
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £1,500

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Lifetime 10k

3 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £10,000
Dental cover (if due to an accident) i £10,000
Cruciate ligament damage i £10,000
CT scans i £10,000
MRI scans i £10,000
Prescription diet (treatment of bladder stones only) i £10,000
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £10,000
Age when compulsory excess rises i 10 years
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £1,500

Dog insurance

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Lifetime 3k

4 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £3,000
Dental cover (if due to an accident) i £3,000
Cruciate ligament damage i £3,000
CT scans i £3,000
MRI scans i £3,000
Prescription diet (treatment of bladder stones only) i £3,000
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £3,000
Age when compulsory excess rises i 8 years
Amendment fee i £0

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Lifetime 5k

4 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £5,000
Dental cover (if due to an accident) i £5,000
Cruciate ligament damage i £5,000
CT scans i £5,000
MRI scans i £5,000
Prescription diet (treatment of bladder stones only) i £5,000
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £5,000
Age when compulsory excess rises i 8 years
Amendment fee i £0

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Lifetime 10k

4 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £10,000
Dental cover (if due to an accident) i £10,000
Cruciate ligament damage i £10,000
CT scans i £10,000
MRI scans i £10,000
Prescription diet (treatment of bladder stones only) i £10,000
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £10,000
Age when compulsory excess rises i 8 years
Amendment fee i £0

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Time limited 1500

3 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £1,500
Dental cover (if due to an accident) i £1,500
Cruciate ligament damage i £1,500
CT scans i £1,500
MRI scans i £1,500
Prescription diet (treatment of bladder stones only) i £1,500
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £1,500
Age when compulsory excess rises i 8 years
Amendment fee i £0

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Time limited 2500

3 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £2,500
Dental cover (if due to an accident) i £2,500
Cruciate ligament damage i £2,500
CT scans i £2,500
MRI scans i £2,500
Prescription diet (treatment of bladder stones only) i £2,500
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £2,500
Age when compulsory excess rises i 8 years
Amendment fee i £0

Travel insurance

Annual multi-trip insurance

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Premier (with baggage optional extras)

5 stars
Medical excess i £50
Cancelling before travel cover limit i £10,000
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £3,000
Max trip duration i 90 days
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £10,000
Abandoning your trip cover limit i £10,000
Lost or stolen cash i £300
Combined passport & travel cover limit i £500
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

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Premier

2 stars
Medical excess i £50
Cancelling before travel cover limit i £10,000
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £0
Max trip duration i 90 days
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £10,000
Abandoning your trip cover limit i £10,000
Lost or stolen cash i £0
Combined passport & travel cover limit i £0
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

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Essential (with baggage optional extras)

2 stars
Medical excess i £75
Cancelling before travel cover limit i £5,000
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £2,000
Max trip duration i 31 days
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £0
Lost or stolen cash i £300
Combined passport & travel cover limit i £500
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

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Essential

1 stars
Medical excess i £75
Cancelling before travel cover limit i £5,000
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £0
Max trip duration i 31 days
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £0
Lost or stolen cash i £0
Combined passport & travel cover limit i £0
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Single trip insurance

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Premier (with baggage optional extras)

5 stars
Medical excess i £50
Cancelling before travel cover limit i £10,000
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £3,000
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £10,000
Missed departure cover limit i £1,000
Abandoning your trip cover limit i £10,000
Lost or stolen cash i £300
Combined passport & travel cover limit i £500

LV=

Premier

2 stars
Medical excess i £50
Cancelling before travel cover limit i £10,000
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £0
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £10,000
Missed departure cover limit i £1,000
Abandoning your trip cover limit i £10,000
Lost or stolen cash i £0
Combined passport & travel cover limit i £0

LV=

Essential (with baggage optional extras)

2 stars
Medical excess i £75
Cancelling before travel cover limit i £5,000
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £5,000
Missed departure cover limit i £0
Abandoning your trip cover limit i £0
Lost or stolen cash i £300
Combined passport & travel cover limit i £500

LV=

Essential

1 stars
Medical excess i £75
Cancelling before travel cover limit i £5,000
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £0
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £5,000
Missed departure cover limit i £0
Abandoning your trip cover limit i £0
Lost or stolen cash i £0
Combined passport & travel cover limit i £0

Travel insurance add-on: cruise cover

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Premier

5 stars
Missed port departure cover limit i £1,000
Re-joining a cruise cover limit i £1,000
Cabin confinement cover limit i £1,500
Missed port departure excess i £0
Timetable/itinerary change cover limit i £150 per port
Unused excursions cover limit i £10,000

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Essential

2 stars
Missed port departure cover limit i £0
Re-joining a cruise cover limit i £1,000
Cabin confinement cover limit i £1,000
Missed port departure excess i
Timetable/itinerary change cover limit i £150 per port
Unused excursions cover limit i £5,000