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.
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| Customer happiness | 64.64% |
|---|---|
| Customer trust | 63.24% |
| Complaints performance | 77.54% |
| Transparency rating | 74.81% |
| Fairer Finance score Reviewed Autumn 2021 |
70% |
| Customer happiness | 66.1% |
|---|---|
| Customer trust | 56.57% |
| Complaints performance | 77.38% |
| Transparency rating | 68.35% |
| Fairer Finance score Reviewed Autumn 2021 |
67% |
| Customer happiness | 59.36% |
|---|---|
| Customer trust | 52.68% |
| Complaints performance | 77.46% |
| Transparency rating | 71.89% |
| Fairer Finance score Reviewed Autumn 2021 |
65% |
| Claims score | 71.65% |
|---|---|
| Complaints performance | 76.01% |
| Transparency rating | 54.41% |
| Fairer Finance score Reviewed Spring 2021 |
67% |
| Customer happiness | 55.79% |
|---|---|
| Customer trust | 56.2% |
| Complaints performance | 77.5% |
| Transparency rating | 62.81% |
| Fairer Finance score Reviewed Autumn 2021 |
63% |
| Customer happiness | 56.31% |
|---|---|
| Customer trust | 58.8% |
| Complaints performance | 77.5% |
| Transparency rating | 49.28% |
| Fairer Finance score Reviewed Autumn 2021 |
60% |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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) |
| 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) |
| 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) |
| 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) |