LV=

LV= is owned by Liverpool Victoria, the UK's largest mutual society. Mutual societies are owned by their customers rather than private shareholders.

LV= offers a wide range of insurance products, including car, home, pet and travel. Its policies are underwritten by Liverpool Victoria Insurance Company Ltd.

LV=
Gold ribbon: first place

Car insurance

Ranked 3rd of 52 providers reviewed.

Customer happiness 64%
Customer trust 51%
Complaints performance 76%
Transparency rating 65%
Fairer Finance score
Reviewed Spring 2018
64%
Gold ribbon: first place

Home insurance

Ranked 10th of 47 providers reviewed.

Customer happiness 60%
Customer trust 47%
Complaints performance 76%
Transparency rating 61%
Fairer Finance score
Reviewed Spring 2018
61%

Life insurance

Ranked 9th of 22 providers reviewed.

Claims score 98.38%
Complaints performance 76%
Transparency rating 70%
Fairer Finance score
Reviewed Spring 2018
77%
Gold ribbon: first place

Travel insurance

Ranked 1st of 56 providers reviewed.

Customer happiness 59%
Customer trust 54%
Complaints performance 76%
Transparency rating 69%
Fairer Finance score
Reviewed Spring 2018
65%

Car insurance

LV=

Car Insurance

4 stars
Courtesy car for duration of repair i
Cover for keys/locks if lost i Unlimited
Uninsured driver promise i
24hr helpline available i
Cover for keys/locks if stolen i Unlimited
Cover for replacing original audio/visual equipment i Unlimited
Repairs guarantee (years) i 5
Windscreen repair excess i £10
Windscreen replacement excess i £140

Home insurance

LV=

Home Insurance

4 stars
Escape of water excess i £350
Matching sets i 50%
Theft from outbuildings i Part of sum insured
24hr helpline i
Alternative accommodation i £50,000
Cover for keys/locks if lost i Sum insured
Money in the home i £500
New for old i

LV=

Home Plus Insurance

4 stars
Escape of water excess i £350
Matching sets i 50%
Theft from outbuildings i Part of sum insured
24hr helpline i
Alternative accommodation i £100,000
Cover for keys/locks if lost i Sum insured
Money in the home i £1,000
New for old i

Buildings insurance

LV=

Home Insurance

4 stars
Cover for keys/locks if lost i Sum insured
Matching sets i 50%
Trace & access i £5,000
24hr helpline i
Alternative accommodation cover limit i £50,000
Compulsory excess i £100
Cover for keys/locks if stolen i Sum insured
Escape of water excess i £350
Property owner liability i £2,000,000

LV=

Home Plus Insurance

4 stars
Cover for keys/locks if lost i Sum nsured
Matching sets i 50%
Trace & access i £5,000
24hr helpline i
Alternative accommodation cover limit i £100,000
Compulsory excess i £100
Cover for keys/locks if stolen i Sum insured
Escape of water excess i £350
Property owner liability i £2,000,000

Contents insurance

LV=

Home Insurance

5 stars
Cover for keys/locks if lost i Sum insured
Matching sets i 50%
Theft from outbuildings i Part of sum insured
24hr helpline i
Alternative accomodation i £25,000
Cover for keys/locks if stolen i Sum insured
Cycles included whilst in the home i Part of sum insured
Money in the home i £500
New for old i

LV=

Home Plus Insurance

5 stars
Cover for keys/locks if lost i Sum insured
Matching sets i 50%
Theft from outbuildings i Part of sum insured
24hr helpline i
Alternative accomodation i £50,000
Cover for keys/locks if stolen i Sum insured
Cycles included whilst in the home i Part of sum insured
Money in the home i £1,000
New for old i

Pet insurance

Cat insurance

LV=

3000

4 stars
Dental cover (if due to an accident) i £3,000
If renewed, are existing conditions covered? i
Vet fees (per condition) i £3,000
Age compulsory excess changes i 10
Amendment fee i £0
CT scans i £3,000
Cancellation fee i £0
Complementary treatment i £3,000
Cremation i £0
Cruciate ligament damage i £3,000
Euthanasia i £0
Loss of pet total i
MRI scans i £3,000
Prescription diet (treatment of bladder stones only) i £3,000

LV=

5000

4 stars
Dental cover (if due to an accident) i £5,000
If renewed, are existing conditions covered? i
Vet fees (per condition) i £5,000
Age compulsory excess changes i 10
Amendment fee i £0
CT scans i £5,000
Cancellation fee i £0
Complementary treatment i £5,000
Cremation i £0
Cruciate ligament damage i £5,000
Euthanasia i £0
Loss of pet total i
MRI scans i £5,000
Prescription diet (treatment of bladder stones only) i £5,000

LV=

10000

4 stars
Dental cover (if due to an accident) i £10,000
If renewed, are existing conditions covered? i
Vet fees (per condition) i £10,000
Age compulsory excess changes i 10
Amendment fee i £0
CT scans i £10,000
Cancellation fee i £0
Complementary treatment i £10,000
Cremation i £0
Cruciate ligament damage i £10,000
Euthanasia i £0
Loss of pet total i
MRI scans i £10,000
Prescription diet (treatment of bladder stones only) i £10,000

LV=

1500

3 stars
Dental cover (if due to an accident) i £1,500
If renewed, are existing conditions covered? i
Vet fees (per condition) i £1,500
Age compulsory excess changes i 10
Amendment fee i £0
CT scans i £1,500
Cancellation fee i £0
Complementary treatment i £1,500
Cremation i £0
Cruciate ligament damage i £1,500
Euthanasia i £0
Loss of pet total i
MRI scans i £1,500
Prescription diet (treatment of bladder stones only) i £1,500

LV=

2500

3 stars
Dental cover (if due to an accident) i £2,500
If renewed, are existing conditions covered? i
Vet fees (per condition) i £2,500
Age compulsory excess changes i 10
Amendment fee i £0
CT scans i £2,500
Cancellation fee i £0
Complementary treatment i £2,500
Cremation i £0
Cruciate ligament damage i £2,500
Euthanasia i £0
Loss of pet total i
MRI scans i £2,500
Prescription diet (treatment of bladder stones only) i £2,500

Dog insurance

LV=

3000

4 stars
Dental cover (if due to an accident) i £3,000
If renewed, are existing conditions covered? i
Vet fees (per condition) i £3,000
Age compulsory excess changes i 8
Amendment fee i £0
CT scans i £3,000
Complementary treatment i £3,000
Cremation i £0
Cruciate ligament damage i £3,000
Euthanasia i £0
MRI scans i £3,000
Prescription diet (treatment of bladder stones only) i £3,000

LV=

5000

4 stars
Dental cover (if due to an accident) i £5,000
If renewed, are existing conditions covered? i
Vet fees (per condition) i £5,000
Age compulsory excess changes i 8
Amendment fee i £0
CT scans i £5,000
Complementary treatment i £5,000
Cremation i £0
Cruciate ligament damage i £5,000
Euthanasia i £0
MRI scans i £5,000
Prescription diet (treatment of bladder stones only) i £5,000

LV=

10000

4 stars
Dental cover (if due to an accident) i £10,000
If renewed, are existing conditions covered? i
Vet fees (per condition) i £10,000
Age compulsory excess changes i 8
Amendment fee i £0
CT scans i £10,000
Complementary treatment i £10,000
Cremation i £0
Cruciate ligament damage i £10,000
Euthanasia i £0
MRI scans i £10,000
Prescription diet (treatment of bladder stones only) i £10,000

LV=

1500

3 stars
Dental cover (if due to an accident) i £1,500
If renewed, are existing conditions covered? i
Vet fees (per condition) i £1,500
Age compulsory excess changes i 8
Amendment fee i £0
CT scans i £1,500
Complementary treatment i £1,500
Cremation i £0
Cruciate ligament damage i £1,500
Euthanasia i £0
MRI scans i £1,500
Prescription diet (treatment of bladder stones only) i £1,500

LV=

2500

3 stars
Dental cover (if due to an accident) i £2,500
If renewed, are existing conditions covered? i
Vet fees (per condition) i £2,500
Age compulsory excess changes i 8
Amendment fee i £0
CT scans i £2,500
Complementary treatment i £2,500
Cremation i £0
Cruciate ligament damage i £2,500
Euthanasia i £0
MRI scans i £2,500
Prescription diet (treatment of bladder stones only) i £2,500

Travel insurance

Annual multi-trip insurance

LV=

Premier

2 stars
Cancelling before travel i £10,000
Medical excess i £50
Personal possessions & baggage - damaged, lost or stolen i £0
Abandoning your trip i £10,000
Combined passport & travel i £0
Cutting trip short/curtailment i £10,000
Emergency medical cover and repatriation i £10,000,000
Lost or stolen cash i £0
Max trip duration i 90 days

LV=

Essential

1 stars
Cancelling before travel i £5,000
Medical excess i £75
Personal possessions & baggage - damaged, lost or stolen i £0
Abandoning your trip i £0
Combined passport & travel i £0
Cutting trip short/curtailment i £5,000
Emergency medical cover and repatriation i £10,000,000
Lost or stolen cash i £0
Max trip duration i 31 days

Single trip insurance

LV=

Premier

2 stars
Cancelling before travel i £10,000
Medical excess i £50
Personal possessions and baggage - damaged, lost or stolen i £0
Abandoning your trip i £10,000
Combined passport & travel i £0
Cutting trip short/curtailment i £10,000
Emergency medical cover and repatriation i £10,000,000
Lost or stolen cash i £0
Missed departure i £1,000

LV=

Essential

1 stars
Cancelling before travel i £5,000
Medical excess i £75
Personal possessions and baggage - damaged, lost or stolen i £0
Abandoning your trip i £0
Combined passport & travel i £0
Cutting trip short/curtailment i £5,000
Emergency medical cover and repatriation i £10,000,000
Lost or stolen cash i £0
Missed departure i £0

Travel insurance add-ons

Cruise add-on

LV=

Essential

1 stars
Cabin confinement i £1,000
Missed port departure i £0
Re-joining a cruise i £1,000
Missed port departure excess i £60
Timetable/itinerary change i 150 per port
Unused excursions i £0

LV=

Premier

1 stars
Cabin confinement i £1,500
Missed port departure i £0
Re-joining a cruise i £1,000
Missed port departure excess i £60
Timetable/itinerary change i 150 per port
Unused excursions i £0