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 11 providers reviewed.

Customer happiness 64.64%
Customer trust 63.24%
Complaints performance 77.54%
Transparency rating 74.81%
Fairer Finance score
Reviewed Autumn 2021
70%
Gold ribbon: first place

Car insurance

Ranked 16th of 54 providers reviewed.

Customer happiness 66.1%
Customer trust 56.57%
Complaints performance 77.38%
Transparency rating 68.35%
Fairer Finance score
Reviewed Autumn 2021
67%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 14th of 51 providers reviewed.

Customer happiness 59.36%
Customer trust 52.68%
Complaints performance 77.46%
Transparency rating 71.89%
Fairer Finance score
Reviewed Autumn 2021
65%

Life insurance

Ranked 24th of 25 providers reviewed.

Claims score 71.65%
Complaints performance 76.01%
Transparency rating 54.41%
Fairer Finance score
Reviewed Spring 2021
67%

Pet insurance

Ranked 16th of 28 providers reviewed.

Customer happiness 55.79%
Customer trust 56.2%
Complaints performance 77.5%
Transparency rating 62.81%
Fairer Finance score
Reviewed Autumn 2021
63%
Gold ribbon: first place

Travel insurance

Ranked 5th of 36 providers reviewed.

Customer happiness 56.31%
Customer trust 58.8%
Complaints performance 77.5%
Transparency rating 49.28%
Fairer Finance score
Reviewed Autumn 2021
60%

Car insurance

LV=

Car Insurance

2 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
New car replacement
Windscreen repair excess i £20
Windscreen replacement excess i £95
Repairs guarantee (years) i Lifetime
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=

Home Insurance

3 stars
Matching sets i 50
Theft from outbuildings cover limit i Part of sum insured
Escape of water excess i £350
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
24hr helpline i

LV=

Home Plus Insurance

3 stars
Matching sets i 50
Theft from outbuildings cover limit i Part of sum insured
Escape of water excess i £350
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
24hr helpline i

Buildings insurance

LV=

Home Insurance

3 stars
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
24hr helpline i
Property owner liability i £2,000,000

LV=

Home Plus Insurance

3 stars
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
24hr helpline i
Property owner liability i £2,000,000

Contents insurance

LV=

Home Insurance

4 stars
Theft from outbuildings cover limit i Part of sum insured
Matching sets i 50
Cover for keys if lost i Sum insured
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i £25,000
Money in the home cover limit i £500
Cover for keys if stolen i 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
Cover for keys if lost i Sum insured
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i £50,000
Money in the home cover limit i £1,000
Cover for keys if stolen i Sum insured
24hr helpline i

Pet insurance

Cat insurance

LV=

Lifetime 3k

4 stars
Vet fees cover limit per condition i £3,000
Dental cover (if due to an accident) i £3,000
If renewed, are existing conditions covered? i
Vet fees cover limit per policy period 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

LV=

Lifetime 5k

4 stars
Vet fees cover limit per condition i £5,000
Dental cover (if due to an accident) i £5,000
If renewed, are existing conditions covered? i
Vet fees cover limit per policy period 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

LV=

Lifetime 10k

4 stars
Vet fees cover limit per condition i £10,000
Dental cover (if due to an accident) i £10,000
If renewed, are existing conditions covered? i
Vet fees cover limit per policy period 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

LV=

Time limited 2500

3 stars
Vet fees cover limit per condition i £2,500
Dental cover (if due to an accident) i £2,500
If renewed, are existing conditions covered? i
Vet fees cover limit per policy period i Unlimited
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

LV=

Time limited 1500

2 stars
Vet fees cover limit per condition i £1,500
Dental cover (if due to an accident) i £1,500
If renewed, are existing conditions covered? i
Vet fees cover limit per policy period i Unlimited
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

Dog insurance

LV=

Lifetime 3k

4 stars
Vet fees cover limit per condition i £3,000
Dental cover (if due to an accident) i £3,000
If renewed, are existing conditions covered? i
Vet fees cover limit per policy period 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

LV=

Lifetime 5k

4 stars
Vet fees cover limit per condition i £5,000
Dental cover (if due to an accident) i £5,000
If renewed, are existing conditions covered? i
Vet fees cover limit per policy period 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

LV=

Lifetime 10k

4 stars
Vet fees cover limit per condition i £10,000
Dental cover (if due to an accident) i £10,000
If renewed, are existing conditions covered? i
Vet fees cover limit per policy period 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

LV=

Time limited 2500

3 stars
Vet fees cover limit per condition i £2,500
Dental cover (if due to an accident) i £2,500
If renewed, are existing conditions covered? i
Vet fees cover limit per policy period i Unlimited
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

LV=

Time limited 1500

2 stars
Vet fees cover limit per condition i £1,500
Dental cover (if due to an accident) i £1,500
If renewed, are existing conditions covered? i
Vet fees cover limit per policy period i Unlimited
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

Travel insurance

Annual multi-trip insurance

LV=

Premier (with baggage optional extras)

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

LV=

Premier

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

LV=

Essential (with baggage optional extras)

2 stars
Cancelling before travel cover limit i £5,000
Medical excess i £90
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £2,000
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £0
Emergency medical cover and repatriation cover limit i £10,000,000
Mental health cover i
Lost or stolen cash i £300
Combined passport & travel cover limit i £500
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 31 days

LV=

Essential

1 stars
Cancelling before travel cover limit i £5,000
Medical excess i £90
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £0
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £0
Emergency medical cover and repatriation cover limit i £10,000,000
Mental health cover i
Lost or stolen cash i £0
Combined passport & travel cover limit i £0
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
Medical excess i £90
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £3,000
Cutting trip short cover limit i £10,000
Abandoning your trip cover limit i £10,000
Emergency medical cover and repatriation cover limit i £10,000,000
Lost or stolen cash i £300
Combined passport & travel cover limit i £500
Missed departure cover limit i £1,000

LV=

Premier

2 stars
Cancelling before travel cover limit i £10,000
Medical excess i £90
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £0
Cutting trip short cover limit i £10,000
Abandoning your trip cover limit i £10,000
Emergency medical cover and repatriation cover limit i £10,000,000
Lost or stolen cash i £0
Combined passport & travel cover limit i £0
Missed departure cover limit i £1,000

LV=

Essential (with baggage optional extras)

2 stars
Cancelling before travel cover limit i £5,000
Medical excess i £90
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £0
Emergency medical cover and repatriation cover limit i £10,000,000
Lost or stolen cash i £300
Combined passport & travel cover limit i £500
Missed departure cover limit i £0

LV=

Essential

1 stars
Cancelling before travel cover limit i £5,000
Medical excess i £90
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £0
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £0
Emergency medical cover and repatriation cover limit i £10,000,000
Lost or stolen cash i £0
Combined passport & travel cover limit i £0
Missed departure cover limit i £0

Travel insurance add-on: cruise cover

LV=

Premier

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

LV=

Essential

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

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)