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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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Get a quoteHere's how LV scored in our latest car insurance survey:
See how this compares with the best car insurance.
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.
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.
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.
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:
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.
LV's car insurance policy is available on the following price comparison websites:
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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If you need to make a claim with LV car insurance, call 0330 678 5550.
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.
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