LV= is owned by Liverpool Victoria, the UK's largest mutual society. Mutual societies are owned by their customers rather than private shareholders.
LV= offers a wide range of insurance products, including car, home, pet and travel. Its policies are underwritten by Liverpool Victoria Insurance Company Ltd.
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| Customer happiness | 67% |
|---|---|
| Customer trust | 53% |
| Complaints performance | 77% |
| Transparency rating | 57% |
| Fairer Finance score Reviewed Spring 2019 |
64% |
| Customer happiness | 59% |
|---|---|
| Customer trust | 49% |
| Complaints performance | 77% |
| Transparency rating | 62% |
| Fairer Finance score Reviewed Spring 2019 |
62% |
| Claims score | 95.65% |
|---|---|
| Complaints performance | 76.81% |
| Transparency rating | 59% |
| Fairer Finance score Reviewed Spring 2019 |
64% |
| Customer happiness | 61% |
|---|---|
| Customer trust | 58% |
| Complaints performance | 77% |
| Transparency rating | 66% |
| Fairer Finance score Reviewed Spring 2019 |
65% |
| Cover for keys/locks if lost 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 for keys/locks if stolen i | Unlimited |
| Cover for replacing original audio/visual equipment i | Unlimited |
| 24hr helpline available i | |
| Repairs guarantee (years) i | 5 years |
| Courtesy car provided if stolen / total loss i | Optional |
| Escape of water excess i | £350 |
|---|---|
| Matching sets i | 50% |
| Theft from outbuildings i | Sum insured |
| 24hr helpline i | |
| Alternative accommodation i | £50,000 |
| Cover for keys/locks if lost i | Sum insured |
| Money in the home i | £500 |
| New for old i |
| Escape of water excess i | £350 |
|---|---|
| Matching sets i | 50% |
| Theft from outbuildings i | Sum insured |
| 24hr helpline i | |
| Alternative accommodation i | £100,000 |
| Cover for keys/locks if lost i | Sum insured |
| Money in the home i | £1,000 |
| New for old i |
| Trace & access i | £5,000 |
|---|---|
| Matching sets i | 50% |
| Cover for keys/locks 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/locks if stolen i | Sum insured |
| Property owner liability i | £2,000,000 |
| 24hr helpline i |
| Trace & access i | £10,000 |
|---|---|
| Matching sets i | 50% |
| Cover for keys/locks 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/locks if stolen i | Sum insured |
| Property owner liability i | £2,000,000 |
| 24hr helpline i |
| Theft from outbuildings i | Part of sum insured |
|---|---|
| Matching sets i | 50% |
| Cover for keys/locks if lost i | Sum insured |
| Cycles included whilst in the home i | Part of sum insured |
| New for old i | |
| Alternative accomodation i | £25,000 |
| Money in the home i | £500 |
| Cover for keys/locks if stolen i | Sum insured |
| 24hr helpline i |
| Theft from outbuildings i | Part of sum insured |
|---|---|
| Matching sets i | 50% |
| Cover for keys/locks if lost i | Sum insured |
| Cycles included whilst in the home i | Part of sum insured |
| New for old i | |
| Alternative accomodation i | £50,000 |
| Money in the home i | £1,000 |
| Cover for keys/locks if stolen i | Sum insured |
| 24hr helpline i |
| If renewed, are existing conditions covered? i | |
|---|---|
| Vet fees (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 i | £0 |
| Cremation i | £0 |
| Complementary treatment i | £3,000 |
| Age compulsory excess changes i | 10 years |
| Cancellation fee i | £0 |
| Amendment fee i | £0 |
| Loss of pet total i |
| If renewed, are existing conditions covered? i | |
|---|---|
| Vet fees (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 i | £0 |
| Cremation i | £0 |
| Complementary treatment i | £5,000 |
| Age compulsory excess changes i | 10 years |
| Cancellation fee i | £0 |
| Amendment fee i | £0 |
| Loss of pet total i |
| If renewed, are existing conditions covered? i | |
|---|---|
| Vet fees (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 i | £0 |
| Cremation i | £0 |
| Complementary treatment i | £10,000 |
| Age compulsory excess changes i | 10 years |
| Cancellation fee i | £0 |
| Amendment fee i | £0 |
| Loss of pet total i |
| If renewed, are existing conditions covered? i | |
|---|---|
| Vet fees (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 i | £0 |
| Cremation i | £0 |
| Complementary treatment i | £1,500 |
| Age compulsory excess changes i | 10 years |
| Cancellation fee i | £0 |
| Amendment fee i | £0 |
| Loss of pet total i |
| If renewed, are existing conditions covered? i | |
|---|---|
| Vet fees (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 i | £0 |
| Cremation i | £0 |
| Complementary treatment i | £2,500 |
| Age compulsory excess changes i | 10 years |
| Cancellation fee i | £0 |
| Amendment fee i | £0 |
| Loss of pet total i |
| If renewed, are existing conditions covered? i | |
|---|---|
| Vet fees (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 i | £0 |
| Cremation i | £0 |
| Complementary treatment i | £3,000 |
| Age compulsory excess changes i | 8 years |
| Amendment fee i | £0 |
| If renewed, are existing conditions covered? i | |
|---|---|
| Vet fees (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 i | £0 |
| Cremation i | £0 |
| Complementary treatment i | £5,000 |
| Age compulsory excess changes i | 8 years |
| Amendment fee i | £0 |
| If renewed, are existing conditions covered? i | |
|---|---|
| Vet fees (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 i | £0 |
| Cremation i | £0 |
| Complementary treatment i | £10,000 |
| Age compulsory excess changes i | 8 years |
| Amendment fee i | £0 |
| If renewed, are existing conditions covered? i | |
|---|---|
| Vet fees (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 i | £0 |
| Cremation i | £0 |
| Complementary treatment i | £1,500 |
| Age compulsory excess changes i | 8 years |
| Amendment fee i | £0 |
| If renewed, are existing conditions covered? i | |
|---|---|
| Vet fees (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 i | £0 |
| Cremation i | £0 |
| Complementary treatment i | £2,500 |
| Age compulsory excess changes i | 8 years |
| Amendment fee i | £0 |
| Medical excess i | £50 |
|---|---|
| Cancelling before travel i | £10,000 |
| Personal possessions & baggage - damaged, lost or stolen i | £3,000 |
| Max trip duration i | 90 days |
| Emergency medical cover and repatriation i | £10,000,000 |
| Cutting trip short/curtailment i | £10,000 |
| Abandoning your trip i | £10,000 |
| Lost or stolen cash i | £300 |
| Combined passport & travel i | £500 |
| Natural disaster relocation cover i | |
| Natural disaster baggage cover i | |
| Mental health cover i |
| Medical excess i | £50 |
|---|---|
| Cancelling before travel i | £10,000 |
| Personal possessions & baggage - damaged, lost or stolen i | £0 |
| Max trip duration i | 90 days |
| Emergency medical cover and repatriation i | £10,000,000 |
| Cutting trip short/curtailment i | £10,000 |
| Abandoning your trip i | £10,000 |
| Lost or stolen cash i | £0 |
| Combined passport & travel i | £0 |
| Natural disaster relocation cover i | |
| Natural disaster baggage cover i | |
| Mental health cover i |
| Medical excess i | £75 |
|---|---|
| Cancelling before travel i | £5,000 |
| Personal possessions & baggage - damaged, lost or stolen i | £2,000 |
| Max trip duration i | 31 days |
| Emergency medical cover and repatriation i | £10,000,000 |
| Cutting trip short/curtailment i | £5,000 |
| Abandoning your trip i | £0 |
| Lost or stolen cash i | £300 |
| Combined passport & travel i | £500 |
| Natural disaster relocation cover i | |
| Natural disaster baggage cover i | |
| Mental health cover i |
| Medical excess i | £75 |
|---|---|
| Cancelling before travel i | £5,000 |
| Personal possessions & baggage - damaged, lost or stolen i | £0 |
| Max trip duration i | 31 days |
| Emergency medical cover and repatriation i | £10,000,000 |
| Cutting trip short/curtailment i | £5,000 |
| Abandoning your trip i | £0 |
| Lost or stolen cash i | £0 |
| Combined passport & travel i | £0 |
| Natural disaster relocation cover i | |
| Natural disaster baggage cover i | |
| Mental health cover i |
| Missed port departure i | £0 |
|---|---|
| Re-joining a cruise i | £1,000 |
| Cabin confinement i | £1,500 |
| Missed port departure excess i | |
| Timetable/itinerary change i | £150 per port |
| Unused excursions i | £10,000 |
| Missed port departure i | £0 |
|---|---|
| Re-joining a cruise i | £1,000 |
| Cabin confinement i | £1,000 |
| Missed port departure excess i | |
| Timetable/itinerary change i | £150 per port |
| Unused excursions i | £5,000 |
| Medical excess i | £50 |
|---|---|
| Cancelling before travel i | £10,000 |
| Personal possessions and baggage - damaged, lost or stolen i | £3,000 |
| Emergency medical cover and repatriation i | £10,000,000 |
| Cutting trip short/curtailment i | £10,000 |
| Missed departure i | £1,000 |
| Abandoning your trip i | £10,000 |
| Lost or stolen cash i | £300 |
| Combined passport & travel i | £500 |
| Medical excess i | £50 |
|---|---|
| Cancelling before travel i | £10,000 |
| Personal possessions and baggage - damaged, lost or stolen i | £0 |
| Emergency medical cover and repatriation i | £10,000,000 |
| Cutting trip short/curtailment i | £10,000 |
| Missed departure i | £1,000 |
| Abandoning your trip i | £10,000 |
| Lost or stolen cash i | £0 |
| Combined passport & travel i | £0 |
| Medical excess i | £75 |
|---|---|
| Cancelling before travel i | £5,000 |
| Personal possessions and baggage - damaged, lost or stolen i | £2,000 |
| Emergency medical cover and repatriation i | £10,000,000 |
| Cutting trip short/curtailment i | £5,000 |
| Missed departure i | £0 |
| Abandoning your trip i | £0 |
| Lost or stolen cash i | £300 |
| Combined passport & travel i | £500 |
| Medical excess i | £75 |
|---|---|
| Cancelling before travel i | £5,000 |
| Personal possessions and baggage - damaged, lost or stolen i | £0 |
| Emergency medical cover and repatriation i | £10,000,000 |
| Cutting trip short/curtailment i | £5,000 |
| Missed departure i | £0 |
| Abandoning your trip i | £0 |
| Lost or stolen cash i | £0 |
| Combined passport & travel i | £0 |