LV= (Liverpool Victoria) car insurance review

  • Defaqto gives LV= a 5-star rating
  • Save money with LV= multi-car
  • Uninsured driver promise

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Liverpool Victoria logo

LV= car insurance products

Liverpool Victoria is an insurance company that has traded in the UK under the name LV since 2007. They have over 5 million customers signed up to their various insurance policies, making them one of the largest insurance providers in the country.

Liverpool Victoria car insurance is available on both individual and multi-car policies, while they also offer a range of optional extras like breakdown cover, motor legal expenses and a protected no claim bonus.

What cover do they offer?

Like many car insurance providers, LV offers the three standard levels of car insurance: third party only, third party, fire and theft and fully comprehensive.

Learn more: What does ‘third party’ and ‘comprehensive’ car insurance actually mean?

It should be noted that for cars younger than 6 years old, LV only offer fully comprehensive cover.

LV third party only

LV’s third party only insurance is their cheapest level of cover and is the minimum legal requirement on UK roads. With LV third party car insurance, you are covered for:

  • Damage sustained by somebody else’s car or property
  • Medical expenses accrued by a third party if you have an accident
  • Medical expenses accrued by any passengers in your car

LV third party, fire and theft

LV third party, fire and theft car insurance offers the same cover as a third party only policy, but with a few added extras. These include:

  • Cover for your vehicle if it is stolen
  • Cover for your vehicle if it sustains fire damage

LV comprehensive cover

LV fully comprehensive car insurance is their most popular policy and is available on all cars, offering all of the aforementioned benefits plus cover for:

  • Your own vehicle in the event of an accident
  • Any damage sustained by your vehicle accidentally
  • Any damage sustained by your vehicle when the culprit cannot be identified

LV’s comprehensive car insurance also comes with the added bonus of an uninsured driver promise, meaning that you’ll pay no excess and retain your No Claims Bonus if an accident is proved to be the fault of an uninsured driver.

On top of this, you’ll get European cover for up to 180 days each year, replacement child car seats in the event of an accident and cover for lost keys and/or damaged locks.

LV multi-car insurance

LV= multi-car cover provides a discount to customers looking to insure more than one vehicle on the same policy.

You can add up to 6 cars and 12 drivers to a single policy as long as they are all registered to the same address and can select a specific date for the insurance on your various cars to begin.

Each named driver will retain their own no-claims discount, which will not be affected by any claims made by anybody else on the policy.

LV car insurance – optional extras

While a comprehensive car insurance package from Liverpool Victoria offers you extensive cover, there are a number of additional extras you can add to your policy.

These include:

Motor legal expenses (£25.99/year)

LV motor legal protection provides you with cover for any legal costs accrued in the event of an accident which wasn’t your fault.

For more information on motor legal protection insurance, read Bobatoo’s complete guide here.

Guaranteed courtesy car (from £19.90/year)

For less than £20 a year, you can get guaranteed use of a hire car if yours is being repaired, has been stolen or is written off.This fee will guarantee you a small hatchback vehicle, while you can pay a little extra (£29.90/year) to get a car of a similar size to your own.

£100,000 personal accident cover (£19.90/year)

LV= comprehensive car insurance gives you £10,000 worth of personal accident cover, which can be upgraded to £100,000 for less than £20/year. Personal accident cover promises to protect you, your partner or any named driver if they suffer an injury while driving the registered vehicle.

LV breakdown cover (from £26/year)

LV breakdown cover (known as LV Britannia Rescue) provide various levels of protection for you and your vehicle in the event of a breakdown.

To find out more, head over to Bobatoo’s guide to breakdown cover here.

How much does LV car insurance cost?

LV car insurance premiums are calculated with consideration for a number of factors personalised to you and your quote. These factors include:

  • Your age
  • Your car
  • Your driving record
  • Your estimated mileage
  • Your home address
  • Your occupation
  • Where your car is stored

The best way to find cheap car insurance is by taking advantage of the car insurance quotes offered by price comparison websites, but there are also a number of smaller providers which cannot be found on these sites. Luckily, Bobatoo has rounded them all up in this guide to the best car insurance companies not on comparison sites.

You can also make use of cashback websites like Quidco, who are currently offering up to £35 in cashback when you purchase a car insurance policy with LV.

LV= car insurance online reviews

See below for the latest reviews of LV insurance, left by customers on a range of popular customer review sites.

Review company Rating (out of 5)
Trustpilot 5 3.5 4.5
Review Centre 3.5
Average 4.1

For a comprehensive look at the various car insurance providers in the UK, head over to Bobatoo’s car insurance reviews page here.

Where to get a car insurance quote online

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