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.
We don't get paid for any links on our site.
| Customer happiness | 66.7% |
|---|---|
| Customer trust | 54.45% |
| Complaints performance | 75.51% |
| Transparency rating | 53.92% |
| Fairer Finance score Reviewed Autumn 2020 |
63% |
| Customer happiness | 60.05% |
|---|---|
| Customer trust | 51.4% |
| Complaints performance | 76.01% |
| Transparency rating | 67.54% |
| Fairer Finance score Reviewed Autumn 2020 |
64% |
| Claims score | 71.65% |
|---|---|
| Complaints performance | 76.01% |
| Transparency rating | 57.96% |
| Fairer Finance score Reviewed Autumn 2020 |
69% |
| Customer happiness | 50% |
|---|---|
| Customer trust | 48% |
| Complaints performance | 76% |
| Transparency rating | 60% |
| Fairer Finance score Reviewed Autumn 2020 |
58% |
| Customer happiness | 60.84% |
|---|---|
| Customer trust | 58.46% |
| Complaints performance | 76.01% |
| Transparency rating | 65.95% |
| Fairer Finance score Reviewed Autumn 2020 |
65% |
| Courtesy car for duration of repair i | |
|---|---|
| Uninsured driver promise i | |
| Cover limit for lost keys i | Unlimited |
| New car replacement | |
| 24hr helpline available i | |
| Courtesy car provided if stolen / total loss i | |
| 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 |
| Repairs guarantee (years) i | 0 years |
| 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 |
| 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 |
| Finding & repairing a leak cover limit i | £5,000 |
|---|---|
| Cover for keys if lost i | Sum insured |
| Matching sets i | 50% |
| Alternative accommodation cover limit i | £50,000 |
| Cover for keys if stolen i | Sum insured |
| Compulsory excess i | £100 |
| Escape of water excess i | £350 |
| Property owner liability i | £2,000,000 |
| 24hr helpline i |
| Finding & repairing a leak cover limit i | £10,000 |
|---|---|
| Cover for keys if lost i | Sum insured |
| Matching sets i | 50% |
| Alternative accommodation cover limit i | £100,000 |
| Cover for keys if stolen i | Sum insured |
| Compulsory excess i | £100 |
| Escape of water excess i | £350 |
| Property owner liability i | £2,000,000 |
| 24hr helpline i |
| 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 | Sum insured |
| 24hr helpline i |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| Medical excess i | £90 |
|---|---|
| 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 |
| Medical excess i | £90 |
|---|---|
| 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 |
| Medical excess i | £90 |
|---|---|
| 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 |
| Medical excess i | £90 |
|---|---|
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home? | |
|---|---|
| Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i | |
| Does the policy cover medical cover if you catch Covid-19? | |
| Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure? | |
| 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? | |
| No additional premium to extend policy due to getting covid-19 (for days of trip extended) |
| Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home? | |
|---|---|
| Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i | |
| Does the policy cover medical cover if you catch Covid-19? | |
| Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure? | |
| 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? | |
| No additional premium to extend policy due to getting covid-19 (for days of trip extended) |
| Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home? | |
|---|---|
| Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i | |
| Does the policy cover medical cover if you catch Covid-19? | |
| Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure? | |
| 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? | |
| No additional premium to extend policy due to getting covid-19 (for days of trip extended) |
| Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home? | |
|---|---|
| Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i | |
| Does the policy cover medical cover if you catch Covid-19? | |
| Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure? | |
| 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? | |
| No additional premium to extend policy due to getting covid-19 (for days of trip extended) |