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 1st of 16 providers reviewed.

Customer happiness 61.02%
Customer trust 60.82%
Complaints performance 77.1%
Transparency rating 73.82%
Fairer Finance score
Reviewed Spring 2022
68%
Gold ribbon: first place

Car insurance

Ranked 18th of 53 providers reviewed.

Customer happiness 66.75%
Customer trust 57.16%
Complaints performance 77.02%
Transparency rating 66.34%
Fairer Finance score
Reviewed Spring 2022
67%

Home Emergency Cover

Ranked 12th of 16 providers reviewed.

Customer happiness 55.71%
Customer trust 44.29%
Complaints performance 77.06%
Transparency rating 67.46%
Fairer Finance score
Reviewed Spring 2022
61%

Home insurance (building and contents)

Ranked 17th of 49 providers reviewed.

Customer happiness 58.99%
Customer trust 53.11%
Complaints performance 77.06%
Transparency rating 75.4%
Fairer Finance score
Reviewed Spring 2022
66%

Life insurance

Ranked 24th of 26 providers reviewed.

Claims score 71.65%
Complaints performance 77.5%
Transparency rating 52.89%
Fairer Finance score
Reviewed Autumn 2021
67%
Gold ribbon: first place

Pet insurance

Ranked 10th of 28 providers reviewed.

Customer happiness 60.11%
Customer trust 56.11%
Complaints performance 77.09%
Transparency rating 74.01%
Fairer Finance score
Reviewed Spring 2022
67%
Gold ribbon: first place

Travel insurance

Ranked 5th of 39 providers reviewed.

Customer happiness 57.14%
Customer trust 57.95%
Complaints performance 77.09%
Transparency rating 48.64%
Fairer Finance score
Reviewed Spring 2022
60%

Car insurance

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
Cover limit for stolen keys i Unlimited
24hr helpline available i
Courtesy car provided if stolen / total loss i

Equity Release

LV=

Lifetime Mortgage Lump Sum+

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.

LV=

Lifetime Mortgage Drawdown+

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)

LV=

Rainbow Home Insurance (Right Sure)

5 stars
Matching sets 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
Alternative accommodation cover limit for buildings i £200,000.00
Cover for keys if lost i Sum insured
Money in the home i £500.00
Replace belongings new for old i
24hr helpline i
Finding and repairing a leak 10000

LV=

Home Insurance

3 stars
Matching sets i 50% of the cost of replacing the undamaged parts
Theft from outbuildings cover limit i Part of sum insured
Escape of water excess i £350.00
Alternative accommodation cover limit for contents i £25,000.00
Alternative accommodation cover limit for buildings i £50,000.00
Cover for keys if lost i Sum insured
Money in the home i £500.00
Replace belongings new for old i
24hr helpline i
Finding and repairing a leak 5000

LV=

Home Plus Insurance

3 stars
Matching sets i 50% of the cost of replacing the undamaged parts
Theft from outbuildings cover limit i Part of sum insured
Escape of water excess i £350.00
Alternative accommodation cover limit for contents i £50,000.00
Alternative accommodation cover limit for buildings i £100,000.00
Cover for keys if lost i Sum insured
Money in the home i £1,000.00
Replace belongings new for old i
24hr helpline i
Finding and repairing a leak 10000

Buildings insurance

LV=

Rainbow Home Insurance (Right Sure)

4 stars
Trace and Access i £10,000.00
Cover for keys if lost i Sum insured
Matching sets i 50% of the Sum Insured
Alternative accommodation cover limit i £200,000.00
Cover for keys if stolen i Sum insured
Compulsory excess i £100.00
Escape of water excess i £250.00
24hr helpline i
Property owner liability i £2,000,000.00

LV=

Home Insurance

3 stars
Trace and Access i £5,000.00
Cover for keys if lost i Sum insured
Matching sets i 50% of the Sum Insured
Alternative accommodation cover limit i £50,000.00
Cover for keys if stolen i Sum insured
Compulsory excess i £100.00
Escape of water excess i £350.00
24hr helpline i
Property owner liability i £5,000,000.00

LV=

Home Plus Insurance

3 stars
Trace and Access i £10,000.00
Cover for keys if lost i Sum insured
Matching sets i 50% of the Sum Insured
Alternative accommodation cover limit i £100,000.00
Cover for keys if stolen i Sum insured
Compulsory excess i £100.00
Escape of water excess i £350.00
24hr helpline i
Property owner liability i £5,000,000.00

Contents insurance

LV=

Home Insurance

4 stars
Theft from outbuildings cover limit i Part of sum insured
Matching sets i 50% of the Sum Insured
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 £25,000.00
Money in the home cover limit i £500.00
Cover for keys if stolen i Sum insured
24hr helpline i

LV=

Home Plus Insurance

4 stars
Theft from outbuildings cover limit i Part of sum insured
Matching sets i 50% of the Sum Insured
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 £50,000.00
Money in the home cover limit i £1,000.00
Cover for keys if stolen i Sum insured
24hr helpline i

LV=

Rainbow Home Insurance (Right Sure)

4 stars
Theft from outbuildings cover limit i £10,000.00
Matching sets i 50% of the Sum Insured
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 £25,000.00
Money in the home cover limit i £500.00
Cover for keys if stolen i Sum insured
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

2 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

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
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

2 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
Lost or stolen cash 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
Lost or stolen cash i £0.00
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=

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
Lost or stolen cash 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
Lost or stolen cash i £0.00
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

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
Abandoning your trip cover limit i £10,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Lost or stolen cash i £300.00
Combined passport & travel cover limit i £500.00
Missed departure cover limit i £1,000.00

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
Abandoning your trip cover limit i £10,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Lost or stolen cash i £0.00
Combined passport & travel cover limit i £0.00
Missed departure cover limit i £1,000.00

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
Abandoning your trip cover limit i £0.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Lost or stolen cash i £300.00
Combined passport & travel cover limit i £500.00
Missed departure cover limit i £0.00

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
Abandoning your trip cover limit i £0.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Lost or stolen cash i £0.00
Combined passport & travel cover limit i £0.00
Missed departure cover limit i £0.00

Travel insurance add-on: cruise cover

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 per port
Unused excursions cover limit i £10,000.00

LV=

Essential

2 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 per port
Unused excursions cover limit i £5,000.00

Travel Insurance Covid-19 Cover

LV=

Essential

2 stars
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Does the policy cover medical cover if you catch Covid-19?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)

LV=

Essential (with baggage optional extras)

2 stars
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Does the policy cover medical cover if you catch Covid-19?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)

LV=

Premier

2 stars
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Does the policy cover medical cover if you catch Covid-19?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)

LV=

Premier (with baggage optional extras)

2 stars
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Does the policy cover medical cover if you catch Covid-19?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)