LV=

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.

LV=
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Gold ribbon: first place

Car insurance

Ranked 11th of 52 providers reviewed.

Customer happiness 66.7%
Customer trust 54.45%
Complaints performance 75.51%
Transparency rating 53.92%
Fairer Finance score
Reviewed Autumn 2020
63%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 8th of 51 providers reviewed.

Customer happiness 60.05%
Customer trust 51.4%
Complaints performance 76.01%
Transparency rating 67.54%
Fairer Finance score
Reviewed Autumn 2020
64%

Life insurance

Ranked 16th of 24 providers reviewed.

Claims score 71.65%
Complaints performance 76.01%
Transparency rating 57.96%
Fairer Finance score
Reviewed Autumn 2020
69%

Pet insurance

Ranked 14th of 28 providers reviewed.

Customer happiness 50%
Customer trust 48%
Complaints performance 76%
Transparency rating 60%
Fairer Finance score
Reviewed Autumn 2020
58%
Gold ribbon: first place

Travel insurance

Ranked 1st of 69 providers reviewed.

Customer happiness 60.84%
Customer trust 58.46%
Complaints performance 76.01%
Transparency rating 65.95%
Fairer Finance score
Reviewed Autumn 2020
65%

Car insurance

LV=

Car Insurance

2 stars
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

Equity Release

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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)

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Home Insurance

3 stars
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

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Home Plus Insurance

3 stars
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

Buildings insurance

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

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

Contents insurance

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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

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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

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Lifetime 3k

4 stars
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

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Lifetime 5k

4 stars
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

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Lifetime 10k

4 stars
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

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Time limited 2500

3 stars
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

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Time limited 1500

2 stars
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

Dog insurance

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Lifetime 3k

4 stars
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

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Lifetime 5k

4 stars
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

LV=

Lifetime 10k

4 stars
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

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Time limited 2500

3 stars
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

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Time limited 1500

2 stars
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

Travel insurance

Annual multi-trip insurance

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Premier (with baggage optional extras)

4 stars
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

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Premier

2 stars
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

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Essential (with baggage optional extras)

2 stars
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

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Essential

1 stars
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

Single trip insurance

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Premier (with baggage optional extras)

5 stars
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

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Premier

2 stars
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

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Essential (with baggage optional extras)

2 stars
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

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Essential

1 stars
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

Travel insurance add-on: cruise cover

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Premier

5 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

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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

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Essential

2 stars
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)

LV=

Essential (with baggage optional extras)

2 stars
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)

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Premier

2 stars
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)

LV=

Premier (with baggage optional extras)

2 stars
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)