It's the heart which sets LV= apart, so why not choose join the two million people LV= are already looking after? Why choose LV= (Liverpool Victoria)? Well, because there's plenty to smile about from the very start. Not only do they pay out on 99% of claims*, but you'll also get a discount when you buy your car insurance online. They have friendly UK-based call centres, available 24/7 if you need to make a claim day or night, while they'll also give you a lifetime guarantee on repairs**. From theft to write-offs and even lost keys, you'll be covered with Liverpool Victoria insurance.
There are many things their comprehensive car insurance provides. These include accidental damage cover, which means if you have scratched or dented your car, they'll pay for repairs so it's as good as it was before the accident. Their uninsured driver promise means that if the other driver is not insured and the car accident is not your fault, you keep your no claim discount and they'll be no excess to pay — as long as you have the details of the other vehicle and driver.
With misfuelling cover, if you accidentally fill your car with the wrong fuel, they will pay to drain and flush your fuel tank, as well as cover the damage to the car's engine. You'll get the same level of cover as you have in the UK in the EU for up to 180 days a year with their European cover, while if your car is vandalised and you have to claim, you'll keep your no claim discount — you'll just need to pay your excess. They will also replace your child car seats if your car has been in an accident, even if there's no apparent damage, while LV= will also arrange new locks and keys if your keys are lost or stolen (after all, accidents happen). So, get an LV= Car Insurance quote online via their website and see if you can save yourself some money.
*99.5% of direct motor claims paid Aug '23- Jul '24.
** when using their recommended repairer service, for as long as you own the vehicle. Labour only, excludes parts.
Optional Extras
With LV= Car Insurance, you can add some optional extras and create your perfect level of cover for your peace of mind when you buy online. Motor legal expenses insurance covers up to £100,000 of legal costs following a car accident caused by someone else, including help with personal injury claims. It will also allow you to recover any lost earnings if you're unable to work, while you can defend a motoring prosecution arising from an accident while you were using your car. You won't be covered for claims which don't have a reasonable (more than 50%) chance of success.
Adding guaranteed car hire cover means they'll arrange a hire car for you while yours is being fixed by one of their recommended repairers. Depending on which option you choose, they'll guarantee either small hatchbacks or similar sized rental cars to your own (a car with up to seven seats and a maximum engine size of two litres). You will have use of this the whole time yours is in the garage, while if your car is stolen or written off, they'll guarantee you a hire car for up to 21 days or for up to four days after they've paid your claim — whichever is soonest. They insure the hire car for comprehensive cover, meaning all you'll need to pay for is your fuel. Increased personal accident insurance pays out £100,000 if you, your partner or a named driver on the policy suffer a serious injury while travelling in or getting into or out of your car. This is only available if you take out comprehensive LV= motor insurance, while it also includes injuries like loss of sight or hearing. LV= Car Insurance breakdown cover is there for you whenever your car lets you down, and adding it is cheaper than their standalone product.*
They offer five levels of breakdown cover, meaning you only have to pay for what you need, from Roadside Assist to UK and European Assist. You'll be able to call their 24/7 UK call centre to get help from more than 4,000 Britannia Rescue professionals if your car breaks down. If you don't want to lose your no claim discount, you can protect it for the life of your policy (if you have earned four or more years). No matter how many claims you make, you won't lose your no claim discount, although your premium may still increase. You'll also continue to benefit from your no claim discount year after year.
* Personal Cover is only available as an optional extra when Breakdown Cover is taken separately. It's not available when adding Breakdown to your LV= car insurance policy.
