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01 Mar 2024

LV car insurance review

Name: LV car insurance review
Item: LV Car Insurance Policy
Rating: 78
Author: Maha Gadir

Read Which?'s expert review of LV's car insurance. Find out how we rate its car insurance policy against 27 other providers

Which?Editorial team

In this article

What does LV car insurance offer?
Does LV offer the best car insurance?
How good is LV's car insurance policy?
How did customers rate LV's car insurance?
How can you save money on LV car insurance?
LV: How can you claim?
LV FAQs
Find out how LV rates for other products

What does LV car insurance offer?

LV General Insurance is one of the larger insurance brands in the UK.

It offers one comprehensive car insurance policy through its website, which we've reviewed. Slightly different variations ‒ known as LV Extra and LV Plus ‒ are available through comparison websites.

It's part of Allianz Holdings plc along with sister brand Flow. Its policy is underwritten by Liverpool Victoria Insurance Company Ltd.

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Does LV offer the best car insurance?

Here's how LV scored in our latest car insurance survey:

Which? Recommended Provider
70% customer score, placing it joint 2nd out of 27 insurers we had customer scores for
78% policy score on its standard policy ‒ 1st out of the 28 providers we reviewed
74% claims score means it's 2nd out of 25 insurers we had claims scores for

See how this compares with the best car insurance.

We review a lot of policies - and our 'Best Buy' badge recognises the individual products that stood out as being the most comprehensive in our analysis. It doesn't reflect customer service. However, we won't give a provider a Best Buy badge where there's evidence - either from our surveys or from Financial Conduct Authority data - of poor service or a poorer-than-average record of paying claims.

Policies named as Best Buys must have a minimum policy score of 65%

Additionally, we look at how consistently good the cover is in policies. To make the cut, a policy needs to have scored at least three out of five points in two thirds of the areas we've rated.

Find out more: how we rate policies.

Lastly, all Best Buy policies must provide - either as standard or as an option - the following levels of cover as a minimum:

'Comprehensive' cover (meaning it covers third party claims, fire, theft and accidental damage to your car), a temporary courtesy car if yours is under repair or if it has been stolen or written off, a repairs guarantee period of at least 3 years, cover for damage to your windows or windscreen, legal expenses cover, liability cover of £20m or more and personal accident cover.

We analyse and rate 78 key elements of car insurance policies to come up with the overall policy score.

Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. We assess how important different policy elements are to drivers when choosing and using a car insurance, and weight different areas of cover accordingly to enhance/reduce their impact in the overall product score.

How good is LV's car insurance policy?

LV is a Which? Recommended Provider of car insurance, topping our policy analysis with 78%. This placed it first among the standard policies in our analysis, and third overall, out of all 61 policies we scrutinised.

Its no-claims discount protection doesn't limit the number of claims it shields your bonus from in a year (the limit is typically two claims over three years), while personal accident cover and full misfuelling cover are included as standard. If you're someone who drives overseas, LV provides comprehensive cover for 180 days per trip.

On the downside, a replacement car after an accident doesn't come as standard, but must be bought for an additional premium.

Consistent cover

LV's policy score wasn't earned through excellence in a few choice areas, but more widely. Its policy was the most consistent high scorer in our analysis, doing well in 68 of the 78 cover areas we examined.

LV: key cover areas rated


Fire excess	£100
Theft excess	£100
Accidental damage excess	£100
Windscreen replacement excess	£95
Is the policy holder's NCD affected if car is hit while parked	Yes - but can be reinstated
Windscreen damage - limit per claim	Market value
Window damage - limit per claim	Market value

Tables last updated February 2024. Next update January 2025. We recommend checking policies before buying.

How did customers rate LV's car insurance?

We asked LV customers who've recently made a claim how they felt about their car insurance.

LV scored 70% for customer satisfaction, placing it in joint second place among 27 car insurers we received sufficient responses for in our customer survey.

Customers were also asked to rate their most recent claim. LV received a score of 74%, placing it second out of the 25 companies we scored.

Here's how customers rated LV in various areas of service:

Select a table:

Customer satisfaction


Application process
Clarity of policy
Dealing with queries
Ease of managing your policy online
Fair treatment of longstanding customers
Dealing with complaints
Value for money

Tables last updated February 2024. Next update January 2025.

How can you save money on LV car insurance?

LV's car insurance policy is available on the following price comparison websites:

Compare the Market
Confused.com
Go Compare
MoneySuperMarket

LV's car insurance may be under a different name with different cover offered on some comparison sites – generally either LV Extra, which includes motor legal protection as standard; or LV Plus, which includes a guaranteed hire car as standard if your vehicle is being repaired as part of a claim as standard.

If you buy LV's car insurance online (as opposed to by phone), you'll benefit from an online discount. It also offers discounts if you cover more than one vehicle with LV and a 5% discount if you already own an LV home insurance policy.

Above information correct as of December 2023.

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LV: How can you claim?

If you need to make a claim with LV car insurance, call 0330 678 5550.

Find out more: is it worth claiming on your car insurance?

LV FAQs

Who owns LV insurance?

Liverpool Victoria General Insurance Group Limited (LV=GIG) is 100% owned by Allianz Holdings plc.

Is Flow insurance part of LV?

Yes - Flow Insurance is owned by LV.

What is the phone number for LV car insurance?

If you have an existing LV car insurance policy and want to make changes to your policy, you can reach them on 0330 678 5111.

Find out how LV rates for other products

LV home insurance review

LV car insurance review