LV=

LV= is a large UK insurance brand, which was once the UK's largest friendly society.   

It was founded in 1843 as Liverpool Victoria and changed its consumer facing brand to LV= in 2007. However, in 2019 it sold its general insurance arm to German insurer Allianz - allowing it to continue using the LV brand.

At the end of 2020, it was agreed that its life insurance and pensions arm would be sold to private equity firm Bain Capital. 

LV=
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Gold ribbon: first place

Breakdown Cover

Ranked 2nd of 25 providers reviewed.

Customer happiness 62.33%
Customer trust 59.19%
Complaints performance 66.74%
Transparency rating 67.57%
Fairer Finance score
Reviewed Autumn 2022
67%
Gold ribbon: first place

Car insurance

Ranked 14th of 52 providers reviewed.

Customer happiness 66.87%
Customer trust 57.45%
Complaints performance 77.81%
Transparency rating 77.09%
Fairer Finance score
Reviewed Autumn 2022
70%

Home Emergency Cover

Ranked 16th of 24 providers reviewed.

Customer happiness 40.06%
Customer trust 52.8%
Complaints performance 77.82%
Transparency rating 68.97%
Fairer Finance score
Reviewed Autumn 2022
60%

Home insurance (building and contents)

Ranked 20th of 48 providers reviewed.

Customer happiness 58.48%
Customer trust 52.96%
Complaints performance 77.84%
Transparency rating 76.03%
Fairer Finance score
Reviewed Autumn 2022
66%

Life insurance

Ranked 23rd of 26 providers reviewed.

Claims score 69.55%
Complaints performance 77.85%
Transparency rating 66.98%
Fairer Finance score
Reviewed Autumn 2022
71%
Gold ribbon: first place

Pet insurance

Ranked 9th of 31 providers reviewed.

Customer happiness 61.23%
Customer trust 56.36%
Complaints performance 77.85%
Transparency rating 73.79%
Fairer Finance score
Reviewed Autumn 2022
67%
Gold ribbon: first place

Travel insurance

Ranked 8th of 38 providers reviewed.

Customer happiness 58.52%
Customer trust 54.97%
Complaints performance 77.09%
Transparency rating 52.51%
Fairer Finance score
Reviewed Autumn 2022
61%

Breakdown Cover

EU Breakdown Cover

LV=

Britannia Rescue (UK+ EU Assist)

5 stars
Replacement Hire Car i
Roadside recovery
Pre-departure Hire Car i
Cover for re-booking i
Will they recover your car in cases of misfuelling?
Will you be recovered if you run out of fuel?
Will they provide a relief driver in instances of driver incapacitation due to injury or illness? i
Will they attend to assist with a flat battery?
Will they attend to assist with a flat tyre?
Will they attend if keys are locked in the vehicle?
Will they attend/cover if keys are lost/broken/stolen?
Available to purchase alone?
Compulsory call out excess £0.00
Cancellation window (days) 14
Pro rata refund
Number of passengers permitted for onward travel as standard i 7
Emergency Overnight Accommodation i
Repatriation i
Will they drain wrong fuel and replace in cases of misfuelling? i

UK Breakdown Cover

LV=

Britannia Rescue (UK Recovery+Home Assist)

5 stars
Roadside recovery
Home Start i
Nationwide recovery
Maximum call outs per year Unlimited
Replacement Hire Car i
Will they recover your car in cases of misfuelling? i
Will you be recovered if you run out of fuel?
Will they attend to assist with a flat battery? i
Will they attend to assist with a flat tyre? i
Will they attend if keys are locked in the vehicle?
Will they attend/cover if keys are lost/broken/stolen?
Compulsory call out excess £0.00
Cancellation window (days) 14
Pro rata refund
Will they drain wrong fuel and replace in cases of misfuelling? i
Number of passengers permitted for onward travel as standard in the UK i 7
Emergency Overnight Accommodation i
Available to purchase alone?

LV=

Britannia Rescue (UK+ EU Assist)

5 stars
Roadside recovery
Home Start i
Nationwide recovery
Maximum call outs per year Unlimited
Replacement Hire Car i
Will they recover your car in cases of misfuelling? i
Will you be recovered if you run out of fuel?
Will they attend to assist with a flat battery? i
Will they attend to assist with a flat tyre? i
Will they attend if keys are locked in the vehicle?
Will they attend/cover if keys are lost/broken/stolen?
Compulsory call out excess £0.00
Cancellation window (days) 14
Pro rata refund
Will they drain wrong fuel and replace in cases of misfuelling? i
Number of passengers permitted for onward travel as standard in the UK i 7
Emergency Overnight Accommodation i
Available to purchase alone?

LV=

Britannia Rescue (Roadside+ Home Assist)

2 stars
Roadside recovery
Home Start i
Nationwide recovery
Maximum call outs per year Unlimited
Replacement Hire Car i
Will they recover your car in cases of misfuelling? i
Will you be recovered if you run out of fuel?
Will they attend to assist with a flat battery? i
Will they attend to assist with a flat tyre? i
Will they attend if keys are locked in the vehicle?
Will they attend/cover if keys are lost/broken/stolen?
Compulsory call out excess £0.00
Cancellation window (days) 14
Pro rata refund
Will they drain wrong fuel and replace in cases of misfuelling? i
Number of passengers permitted for onward travel as standard in the UK i 7
Emergency Overnight Accommodation i
Available to purchase alone?

LV=

Britannia Rescue (UK Recovery)

2 stars
Roadside recovery
Home Start i no
Nationwide recovery
Maximum call outs per year Unlimited
Replacement Hire Car i
Will they recover your car in cases of misfuelling? i
Will you be recovered if you run out of fuel?
Will they attend to assist with a flat battery? i
Will they attend to assist with a flat tyre? i
Will they attend if keys are locked in the vehicle?
Will they attend/cover if keys are lost/broken/stolen?
Compulsory call out excess £0.00
Cancellation window (days) 14
Pro rata refund
Will they drain wrong fuel and replace in cases of misfuelling? i
Number of passengers permitted for onward travel as standard in the UK i 7
Emergency Overnight Accommodation i
Available to purchase alone?

LV=

Britannia Rescue (Roadside)

1 stars
Roadside recovery
Home Start i
Nationwide recovery
Maximum call outs per year Unlimited
Replacement Hire Car i
Will they recover your car in cases of misfuelling? i
Will you be recovered if you run out of fuel?
Will they attend to assist with a flat battery? i
Will they attend to assist with a flat tyre? i
Will they attend if keys are locked in the vehicle?
Will they attend/cover if keys are lost/broken/stolen?
Compulsory call out excess £0.00
Cancellation window (days) 14
Pro rata refund
Will they drain wrong fuel and replace in cases of misfuelling? i
Number of passengers permitted for onward travel as standard in the UK i 0
Emergency Overnight Accommodation i
Available to purchase alone?

Car insurance

LV=

Car Insurance (with enhanced courtesy car add on)

4 stars
Cover limit for lost keys i Unlimited
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £20.00
Windscreen replacement excess i £95.00
Repairs guarantee (years) i Lifetime
New car replacement i
Cover limit for stolen keys i Unlimited
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

LV=

Car Insurance

3 stars
Cover limit for lost keys i Unlimited
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £20.00
Windscreen replacement excess i £95.00
Repairs guarantee (years) i Lifetime
New car replacement i
Cover limit for stolen keys i Unlimited
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Short-Term Car Insurance

LV=

GoShorty Short Term Insurance

4 stars
Cover limit for lost keys i £500.00
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £0.00
Windscreen replacement excess i No separate excess
24hr helpline available i
New car replacement i
Cover limit for stolen keys i £500.00
Repairs guarantee (years) i Lifetime
Courtesy car for duration of repair i
Child's car seat cover i
Courtesy car provided if stolen / total loss i
Uninsured driver promise i
Vandalism i
Cover limit for Legal Cover for property damage £20,000,000.00

Equity Release

LV=

Lifetime Mortgage Lump Sum+

4 stars
Early repayment charge (if you repay in year 3 of the loan) 5.00%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 3.00%
Early repayment charge (if you repay in year 12 of the loan) 0.00%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £595.00
Adding or removing someone to your loan (Scotland) £595.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) 6

LV=

Lifetime Mortgage Drawdown+

3 stars
Early repayment charge (if you repay in year 3 of the loan) 5.00%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 3.00%
Early repayment charge (if you repay in year 12 of the loan) 0.00%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £595.00
Adding or removing someone to your loan (Scotland) £595.00
Member of the equity release council
Minimum Cash Reserve 10000
Number of payments allowed per annum (repayment flexibility) 6

Home Emergency Cover

LV=

Home Emergency

4 stars
Boiler Breakdown Cover i
Home Security Cover i
Cover Type i Add-On
Home Emergency Cover limit i £1,000.00
Minimum Excess i £0.00
Internal plumbing and drainage i
External Drainage i
Water Supply Pipe Cover i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i No Exclusion
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i No Exclusion
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i £0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i £0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i £0.00
Domestic Power supply covered? i
Lost keys Cover i Covered under the home emergency policy
Roof damage i Covered under the home emergency policy
Pest infestation cover i
Underwriter i Liverpool Victoria Financial Services Limited
Maximum Excess i £0.00
Alternative Accommodation Cover i £250.00
24/7 Claims Helpline i
Unoccupied period i 60

LV=

Home Emergency (Extra/Gold/Plat)

4 stars
Boiler Breakdown Cover i
Home Security Cover i
Cover Type i Add-On
Home Emergency Cover limit i £1,000.00
Minimum Excess i £0.00
Internal plumbing and drainage i
External Drainage i
Water Supply Pipe Cover i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i No Exclusion
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i No Exclusion
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i £0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i £0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i £0.00
Domestic Power supply covered? i
Lost keys Cover i Covered under the home emergency policy
Roof damage i Covered under the home emergency policy
Pest infestation cover i
Underwriter i Liverpool Victoria Financial Services Limited
Maximum Excess i £0.00
Alternative Accommodation Cover i £250.00
24/7 Claims Helpline i
Unoccupied period i 60

LV=

Select Home Emergency (Comparison Site)

4 stars
Boiler Breakdown Cover i
Home Security Cover i
Cover Type i Add-On
Home Emergency Cover limit i £1,000.00
Minimum Excess i £0.00
Internal plumbing and drainage i
External Drainage i
Water Supply Pipe Cover i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i No Exclusion
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i No Exclusion
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i £0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i £0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i £0.00
Domestic Power supply covered? i
Lost keys Cover i Covered under the home emergency policy
Roof damage i Covered under the home emergency policy
Pest infestation cover i
Underwriter i Insurance Company Limited,
Maximum Excess i £0.00
Alternative Accommodation Cover i £250.00
24/7 Claims Helpline i
Unoccupied period i 60

Home insurance (building and contents)

LV=

Rainbow Home Insurance

5 stars
Alternative accommodation cover limit for buildings i £200,000.00
Matching sets (Contents) i 50% of the cost of replacing the undamaged parts
Theft from outbuildings cover limit i £10,000.00
Escape of water excess i £250.00
Alternative accommodation cover limit for contents i £25,000.00
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i Sum Insured
Keys/locks if lost or stolen (Buildings) i Sum Insured
Money in the home i £500.00
Replace belongings new for old i
Trace and Access i £10,000.00
Matching sets (Buildings) i 50% of the cost of replacing the undamaged parts
Escape of Water (Plus Compulsory Excess) i £250.00
Compulsory excess (Contents) i £100.00
Flood excess i £0.00
Standard excess for subsidence claims £1,000.00
Liability as a tenant i £10,000.00
Liability to domestic employees i £5,000,000.00
Property owner liability i £2,000,000.00
Buildings Cover limit i £1,000,000.00
Contents Cover limit i £50,000.00
Underwriter LV=
24hr helpline i
Unoccupied period i 60
Protection against inflation i
Repairs guarantee i
Amendment fee i £0.00
Cancellation fee after 14 days i £0.00
Protected No Claims Discount Option
24-hour claims helpline
Cancellation fee before 14 days £0.00
Accidental Damage - Glass and sanitary wear
Standard Accidental Damage - Underground services
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden Protection £1,000.00
Blocked drains i
Accidental Damage Cover
Domestic heating fuel and metered water
Music, film or electronic data downloads
Documents Sum insured
Visitor's Possessions Sum Insured
Out in Open Cover
Frozen Food Cover Sum insured
Temporary freezer storage
Theft or attempted theft i
Dual Contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i Sum Insured
Credit cards i £5,000.00
Storage fees (Alternative accommodation) i
Garden plants i
Business Equipment £10,000.00
Household Removals
Student's Belongings
Shopping in Transit £0.00
Cover Away from Home offered for: Electronics As Standard
Cover Away from Home offered for: Money As Standard
Cover Away from Home offered for: Jewellery As Standard
Cover Away from Home offered for: Bicycles & Other Optional
Special events (weddings and civil ceremonies) - limit Not Offered
Special events (weddings and civil ceremonies) - days 10% of Sum Insured
Special events (births) - limit Not Offered
Special events (births) - days Not Offered
Special events (anniversaries and birthdays) - limit Not Offered
Special events (anniversaries and birthdays) - days No limit
Special events (religious events) - limit 10% of Sum Insured
Special events (religious events) - days No limit
Cover for Home Emergency i
Cover for legal protection/expenses i
Cover for items away from home? i
Personal possessions cover whilst living in a nursing home or residential care setting i £0.00
Medical Equipment Loan i £0.00
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i 30 cm in 24 hours
Rainfall (mm) i 25 mm per hour
Windspeed (mph) i 47 mph

LV=

Home Insurance

3 stars
Alternative accommodation cover limit for buildings i £50,000.00
Matching sets (Contents) i 50% of the cost of replacing the undamaged parts
Theft from outbuildings cover limit i Sum Insured
Escape of water excess i £350.00
Alternative accommodation cover limit for contents i £25,000.00
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i Sum Insured
Keys/locks if lost or stolen (Buildings) i Sum Insured
Money in the home i £500.00
Replace belongings new for old i
Trace and Access i £5,000.00
Matching sets (Buildings) i 50% of the cost of replacing the undamaged parts
Escape of Water (Plus Compulsory Excess) i £350.00
Compulsory excess (Contents) i £100.00
Flood excess i £350.00
Standard excess for subsidence claims £1,000.00
Liability as a tenant i £10,000.00
Liability to domestic employees i £10,000,000.00
Property owner liability i £5,000,000.00
Buildings Cover limit i £1,000,000.00
Contents Cover limit i £50,000.00
Underwriter LV=
24hr helpline i
Unoccupied period i 60
Protection against inflation i
Repairs guarantee i
Amendment fee i £15.00
Cancellation fee after 14 days i £25.00
Protected No Claims Discount Option
24-hour claims helpline
Cancellation fee before 14 days £0.00
Accidental Damage - Glass and sanitary wear
Standard Accidental Damage - Underground services
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden Protection £2,500.00
Blocked drains i
Accidental Damage Cover
Domestic heating fuel and metered water
Music, film or electronic data downloads
Documents £0.00
Visitor's Possessions £1,000.00
Out in Open Cover
Frozen Food Cover £1,000.00
Temporary freezer storage
Theft or attempted theft i
Dual Contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i Sum Insured
Credit cards i £500.00
Storage fees (Alternative accommodation) i
Garden plants i
Business Equipment £15,000.00
Household Removals
Student's Belongings
Shopping in Transit £0.00
Cover Away from Home offered for: Electronics As Standard
Cover Away from Home offered for: Money As Standard
Cover Away from Home offered for: Jewellery As Standard
Cover Away from Home offered for: Bicycles & Other Optional
Special events (weddings and civil ceremonies) - limit 10% of Sum Insured
Special events (weddings and civil ceremonies) - days No limit
Special events (births) - limit 10% of Sum Insured
Special events (births) - days No limit
Special events (anniversaries and birthdays) - limit 10% of Sum Insured
Special events (anniversaries and birthdays) - days No limit
Special events (religious events) - limit 10% of Sum Insured
Special events (religious events) - days No limit
Cover for Home Emergency i
Cover for legal protection/expenses i
Cover for items away from home? i
Personal possessions cover whilst living in a nursing home or residential care setting i £10,000.00
Medical Equipment Loan i £0.00
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined

LV=

Home Plus Insurance

3 stars
Alternative accommodation cover limit for buildings i £100,000.00
Matching sets (Contents) i 50% of the cost of replacing the undamaged parts
Theft from outbuildings cover limit i Sum Insured
Escape of water excess i £350.00
Alternative accommodation cover limit for contents i £25,000.00
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i Sum Insured
Keys/locks if lost or stolen (Buildings) i Sum Insured
Money in the home i £1,000.00
Replace belongings new for old i
Trace and Access i £10,000.00
Matching sets (Buildings) i 50% of the cost of replacing the undamaged parts
Escape of Water (Plus Compulsory Excess) i £350.00
Compulsory excess (Contents) i £100.00
Flood excess i £350.00
Standard excess for subsidence claims £1,000.00
Liability as a tenant i £15,000.00
Liability to domestic employees i £10,000,000.00
Property owner liability i £5,000,000.00
Buildings Cover limit i Unlimited
Contents Cover limit i £150,000.00
Underwriter LV=
24hr helpline i
Unoccupied period i 60
Protection against inflation i
Repairs guarantee i
Amendment fee i £15.00
Cancellation fee after 14 days i £25.00
Protected No Claims Discount Option
24-hour claims helpline
Cancellation fee before 14 days £0.00
Accidental Damage - Glass and sanitary wear
Standard Accidental Damage - Underground services
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden Protection £1,000.00
Blocked drains i
Accidental Damage Cover
Domestic heating fuel and metered water
Music, film or electronic data downloads
Documents Sum insured
Visitor's Possessions £2,000.00
Out in Open Cover
Frozen Food Cover Sum insured
Temporary freezer storage
Theft or attempted theft i
Dual Contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i Sum Insured
Credit cards i £1,000.00
Storage fees (Alternative accommodation) i
Garden plants i
Business Equipment £15,000.00
Household Removals
Student's Belongings
Shopping in Transit £0.00
Cover Away from Home offered for: Electronics As Standard
Cover Away from Home offered for: Money As Standard
Cover Away from Home offered for: Jewellery As Standard
Cover Away from Home offered for: Bicycles & Other Optional
Special events (weddings and civil ceremonies) - limit Not Offered
Special events (weddings and civil ceremonies) - days 10% of Sum Insured
Special events (births) - limit Not Offered
Special events (births) - days Not Offered
Special events (anniversaries and birthdays) - limit Not Offered
Special events (anniversaries and birthdays) - days No limit
Special events (religious events) - limit 10% of Sum Insured
Special events (religious events) - days No limit
Cover for Home Emergency i
Cover for legal protection/expenses i
Cover for items away from home? i
Personal possessions cover whilst living in a nursing home or residential care setting i £10,000.00
Medical Equipment Loan i £0.00
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined

Buildings insurance

LV=

Rainbow Home Insurance

5 stars
Trace and Access i £10,000.00
Keys/locks if lost or stolen (Buildings) i Sum Insured
Matching sets/suites (Buildings) i 50% of the cost of replacing the undamaged parts
Alternative accommodation cover limit for buildings i £200,000.00
Blocked drains i
Cover for fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft £10,000.00
Cover for storm and flood
Snow depth (cm) i 30 cm in 24 hours
Rainfall (mm) i 25 mm per hour
Windspeed (mph) i 47 mph
Escape of Water (Plus Compulsory Excess) i £250.00
Buildings Compulsory Excess i £100.00
Escape of water excess i £250.00
Flood excess i £0.00
Unoccupied period i 60
24hr helpline i
Repairs Guarentee i
Cancellation fee after 14 days i £0.00
Amendment fee i £0.00
Property owner liability i £2,000,000.00

LV=

Home Insurance

3 stars
Trace and Access i £5,000.00
Keys/locks if lost or stolen (Buildings) i Sum Insured
Matching sets/suites (Buildings) i 50% of the cost of replacing the undamaged parts
Alternative accommodation cover limit for buildings i £50,000.00
Blocked drains i
Cover for fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft Sum Insured
Cover for storm and flood
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Escape of Water (Plus Compulsory Excess) i £350.00
Buildings Compulsory Excess i £100.00
Escape of water excess i £350.00
Flood excess i £350.00
Unoccupied period i 60
24hr helpline i
Repairs Guarentee i
Cancellation fee after 14 days i £25.00
Amendment fee i £15.00
Property owner liability i £5,000,000.00

LV=

Home Plus Insurance

2 stars
Trace and Access i £10,000.00
Keys/locks if lost or stolen (Buildings) i Sum Insured
Matching sets/suites (Buildings) i 50% of the cost of replacing the undamaged parts
Alternative accommodation cover limit for buildings i £100,000.00
Blocked drains i
Cover for fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft Sum Insured
Cover for storm and flood
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Escape of Water (Plus Compulsory Excess) i £350.00
Buildings Compulsory Excess i £100.00
Escape of water excess i £350.00
Flood excess i £350.00
Unoccupied period i 60
24hr helpline i
Repairs Guarentee i
Cancellation fee after 14 days i £25.00
Amendment fee i £15.00
Property owner liability i £5,000,000.00

Contents insurance

LV=

Rainbow Home Insurance

5 stars
Matching sets (Contents) i 50% of the cost of replacing the undamaged parts
Cover for keys if lost or stolen (contents) i Sum Insured
Theft from outbuildings cover limit i £10,000.00
Cycles included whilst in the home i
Replace belongings new for old i
Money in the home i £500.00
Alternative accommodation cover limit for contents i £25,000.00
24hr helpline i

LV=

Home Plus Insurance

4 stars
Matching sets (Contents) i 50% of the cost of replacing the undamaged parts
Cover for keys if lost or stolen (contents) i Sum Insured
Theft from outbuildings cover limit i Sum Insured
Cycles included whilst in the home i
Replace belongings new for old i
Money in the home i £1,000.00
Alternative accommodation cover limit for contents i £25,000.00
24hr helpline i

LV=

Home Insurance

3 stars
Matching sets (Contents) i 50% of the cost of replacing the undamaged parts
Cover for keys if lost or stolen (contents) i Sum Insured
Theft from outbuildings cover limit i Sum Insured
Cycles included whilst in the home i
Replace belongings new for old i
Money in the home i £500.00
Alternative accommodation cover limit for contents i £25,000.00
24hr helpline i

Pet insurance

Cat insurance

LV=

Lifetime 3k

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £3,000.00
Medical excess i £75.00
Annual policy limit i £3,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £3,000.00
Cruciate ligament damage i £3,000.00
CT scans i £3,000.00
MRI scans i £3,000.00
Prescription diet (treatment of bladder stones only) i £3,000.00
Complementary treatment i £3,000.00
Boarding fees limit i £1,500.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Holiday cancellation i £3,000.00
Holiday cover i £3,000.00
Quarantine costs cover i £2,000.00
Loss of PETS passport or other travel documents i £500.00
Emergency expenses abroad i £1,000.00
Maximum number of days abroad i 365 days
Age when compulsory excess rises i 10 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

LV=

Lifetime 5k

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £5,000.00
Medical excess i £75.00
Annual policy limit i £5,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £5,000.00
Cruciate ligament damage i £5,000.00
CT scans i £5,000.00
MRI scans i £5,000.00
Prescription diet (treatment of bladder stones only) i £5,000.00
Complementary treatment i £5,000.00
Boarding fees limit i £1,500.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Holiday cancellation i £3,000.00
Holiday cover i £5,000.00
Quarantine costs cover i £2,000.00
Loss of PETS passport or other travel documents i £500.00
Emergency expenses abroad i £1,000.00
Maximum number of days abroad i 365 days
Age when compulsory excess rises i 10 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

LV=

Lifetime 10k

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £10,000.00
Medical excess i £75.00
Annual policy limit i £10,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £10,000.00
Cruciate ligament damage i £10,000.00
CT scans i £10,000.00
MRI scans i £10,000.00
Prescription diet (treatment of bladder stones only) i £10,000.00
Complementary treatment i £10,000.00
Boarding fees limit i £1,500.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Holiday cancellation i £3,000.00
Holiday cover i £10,000.00
Quarantine costs cover i £2,000.00
Loss of PETS passport or other travel documents i £500.00
Emergency expenses abroad i £1,000.00
Maximum number of days abroad i 365 days
Age when compulsory excess rises i 10 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

LV=

Time limited 2500

3 stars
Type of cover i Time-limited
Medical cover limit i £2,500.00
Medical excess i £75.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i £2,500.00
Dental cover (if due to an accident) i £2,500.00
Cruciate ligament damage i £2,500.00
CT scans i £2,500.00
MRI scans i £2,500.00
Prescription diet (treatment of bladder stones only) i £2,500.00
Complementary treatment i £2,500.00
Boarding fees limit i £1,500.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Holiday cancellation i £1,500.00
Holiday cover i £2,500.00
Quarantine costs cover i £1,500.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £750.00
Maximum number of days abroad i 365 days
Age when compulsory excess rises i 10 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

LV=

Time limited 1500

1 stars
Type of cover i Time-limited
Medical cover limit i £1,500.00
Medical excess i £75.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i £1,500.00
Dental cover (if due to an accident) i £1,500.00
Cruciate ligament damage i £1,500.00
CT scans i £1,500.00
MRI scans i £1,500.00
Prescription diet (treatment of bladder stones only) i £1,500.00
Complementary treatment i £1,500.00
Boarding fees limit i £1,500.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Holiday cancellation i £1,500.00
Holiday cover i £1,500.00
Quarantine costs cover i £1,500.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £750.00
Maximum number of days abroad i 365 days
Age when compulsory excess rises i 10 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Dog insurance

LV=

Lifetime 3k

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £3,000.00
Medical excess i £75.00
Annual policy limit i £3,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £3,000.00
Cruciate ligament damage i £3,000.00
CT scans i £3,000.00
MRI scans i £3,000.00
Prescription diet (treatment of bladder stones only) i £3,000.00
Complementary treatment i £3,000.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £3,000.00
Holiday cover i £3,000.00
If renewed, are existing conditions covered? i

LV=

Lifetime 5k

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £5,000.00
Medical excess i £75.00
Annual policy limit i £5,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £5,000.00
Cruciate ligament damage i £5,000.00
CT scans i £5,000.00
MRI scans i £5,000.00
Prescription diet (treatment of bladder stones only) i £5,000.00
Complementary treatment i £5,000.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £3,000.00
Holiday cover i £5,000.00
If renewed, are existing conditions covered? i

LV=

Lifetime 10k

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £10,000.00
Medical excess i £75.00
Annual policy limit i £10,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £10,000.00
Cruciate ligament damage i £10,000.00
CT scans i £10,000.00
MRI scans i £10,000.00
Prescription diet (treatment of bladder stones only) i £10,000.00
Complementary treatment i £10,000.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £3,000.00
Holiday cover i £10,000.00
If renewed, are existing conditions covered? i

LV=

Time limited 2500

2 stars
Type of cover i Time-limited
Medical cover limit i £2,500.00
Medical excess i £75.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i 2,500
Dental cover (if due to an accident) i £2,500.00
Cruciate ligament damage i £2,500.00
CT scans i £2,500.00
MRI scans i £2,500.00
Prescription diet (treatment of bladder stones only) i £2,500.00
Complementary treatment i £2,500.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £1,500.00
Holiday cover i £2,500.00
If renewed, are existing conditions covered? i

LV=

Time limited 1500

1 stars
Type of cover i Time-limited
Medical cover limit i £1,500.00
Medical excess i £75.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i 1,500
Dental cover (if due to an accident) i £1,500.00
Cruciate ligament damage i £1,500.00
CT scans i £1,500.00
MRI scans i £1,500.00
Prescription diet (treatment of bladder stones only) i £1,500.00
Complementary treatment i £1,500.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £1,500.00
Holiday cover i £1,500.00
If renewed, are existing conditions covered? i

Travel insurance

Annual multi-trip insurance

LV=

Premier (with baggage optional extras)

4 stars
Medical excess i £90.00
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £3,000.00
Cancelling before travel cover limit i £10,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Mental health cover i
Personal money i £300.00
Combined passport & travel cover limit i £500.00
Cutting trip short cover limit i £10,000.00
Abandoning your trip cover limit i £10,000.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 90 days

LV=

Premier

2 stars
Medical excess i £90.00
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £0.00
Cancelling before travel cover limit i £10,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Mental health cover i
Personal money i £0.00
Combined passport & travel cover limit i £0.00
Cutting trip short cover limit i £10,000.00
Abandoning your trip cover limit i £10,000.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 90 days

LV=

Essential (with baggage optional extras)

2 stars
Medical excess i £90.00
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £2,000.00
Cancelling before travel cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Mental health cover i
Personal money i £300.00
Combined passport & travel cover limit i £500.00
Cutting trip short cover limit i £5,000.00
Abandoning your trip cover limit i £0.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 31 days

LV=

Essential

1 stars
Medical excess i £90.00
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £0.00
Cancelling before travel cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Mental health cover i
Personal money i £0.00
Combined passport & travel cover limit i £0.00
Cutting trip short cover limit i £5,000.00
Abandoning your trip cover limit i £0.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 31 days

Single trip insurance

LV=

Premier (with baggage optional extras)

4 stars
Cancelling before travel cover limit i £10,000.00
Medical excess i £90.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £3,000.00
Cutting trip short cover limit i £10,000.00
Missed departure cover limit i £1,000.00
Abandoning your trip cover limit i £10,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £300.00
Combined passport & travel cover limit i £500.00

LV=

Premier

2 stars
Cancelling before travel cover limit i £10,000.00
Medical excess i £90.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £0.00
Cutting trip short cover limit i £10,000.00
Missed departure cover limit i £1,000.00
Abandoning your trip cover limit i £10,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £0.00
Combined passport & travel cover limit i £0.00

LV=

Essential (with baggage optional extras)

2 stars
Cancelling before travel cover limit i £5,000.00
Medical excess i £90.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000.00
Cutting trip short cover limit i £5,000.00
Missed departure cover limit i £0.00
Abandoning your trip cover limit i £0.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £300.00
Combined passport & travel cover limit i £500.00

LV=

Essential

1 stars
Cancelling before travel cover limit i £5,000.00
Medical excess i £90.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £0.00
Cutting trip short cover limit i £5,000.00
Missed departure cover limit i £0.00
Abandoning your trip cover limit i £0.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £0.00
Combined passport & travel cover limit i £0.00

Travel insurance add-on: cruise cover

LV=

Premier (with baggage optional extras)

4 stars
Missed port departure cover limit i £1,000.00
Re-joining a cruise cover limit i £1,000.00
Cabin confinement cover limit i £1,500.00
Missed port departure excess i £0.00
Timetable/itinerary change cover limit i £150.00
Unused excursions cover limit i £10,000.00

LV=

Premier

4 stars
Missed port departure cover limit i £1,000.00
Re-joining a cruise cover limit i £1,000.00
Cabin confinement cover limit i £1,500.00
Missed port departure excess i £0.00
Timetable/itinerary change cover limit i £150.00
Unused excursions cover limit i £10,000.00

LV=

Essential (with baggage optional extras)

1 stars
Missed port departure cover limit i £0.00
Re-joining a cruise cover limit i £1,000.00
Cabin confinement cover limit i £1,000.00
Missed port departure excess i
Timetable/itinerary change cover limit i £150.00
Unused excursions cover limit i £5,000.00

LV=

Essential

1 stars
Missed port departure cover limit i £0.00
Re-joining a cruise cover limit i £1,000.00
Cabin confinement cover limit i £1,000.00
Missed port departure excess i
Timetable/itinerary change cover limit i £150.00
Unused excursions cover limit i £5,000.00

Travel insurance add-on: winter sports

LV=

Essential

3 stars
Ski equipment owned cover limit i £500.00
Single owned item cover limit i £500.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £500.00
Avalanche closure cover limit i £500.00
Piste closure cover limit i £500.00
Ski equipment owned excess i £80.00
Ski equipment hired i £500.00
Single item limit for hired equipment i £500.00
Unused ski pass due to illness or injury i £500.00

LV=

Essential (with baggage optional extras)

3 stars
Ski equipment owned cover limit i £500.00
Single owned item cover limit i £500.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £500.00
Avalanche closure cover limit i £500.00
Piste closure cover limit i £500.00
Ski equipment owned excess i £80.00
Ski equipment hired i £500.00
Single item limit for hired equipment i £500.00
Unused ski pass due to illness or injury i £500.00

LV=

Premier

3 stars
Ski equipment owned cover limit i £500.00
Single owned item cover limit i £500.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £500.00
Avalanche closure cover limit i £500.00
Piste closure cover limit i £500.00
Ski equipment owned excess i £80.00
Ski equipment hired i £500.00
Single item limit for hired equipment i £500.00
Unused ski pass due to illness or injury i £500.00

LV=

Premier (with baggage optional extras)

3 stars
Ski equipment owned cover limit i £500.00
Single owned item cover limit i £500.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £500.00
Avalanche closure cover limit i £500.00
Piste closure cover limit i £500.00
Ski equipment owned excess i £80.00
Ski equipment hired i £500.00
Single item limit for hired equipment i £500.00
Unused ski pass due to illness or injury i £500.00