LV= car insurance in 60 seconds
LV= Car Insurance at a glance (2026)
Could you save by switching?LV= wins on service, but rival insurers can quote up to 25% less on the same cover. Compare the live UK car insurance market in our guide to insurance providers before you renew.
LV= car insurance cover and tiers in 2026
Unlike many large UK brands that broker policies across a panel of underwriters, LV= underwrites its own car insurance in-house through Highway Insurance Company Ltd, part of Allianz Holdings. That means one company quotes, services, claims and renews the policy, the trade-off you make for the consistently high Trustpilot scores. Cover comes in three standard tiers, with a deep list of optional extras.
The LV= car insurance product range
Comprehensive
The headline 5 Star Defaqto policy. Covers your car against accident damage, fire and theft, plus third-party liability. Courtesy car included as standard at LV= approved repairers, with a lifetime guarantee on the repair.
- Up to £10m personal injury cover.
- 90 days European cover included.
- Courtesy car & lifetime repair guarantee.
Third Party, Fire & Theft
Pays out if your car is stolen or destroyed by fire and covers other people's vehicles and property if you cause an accident. Doesn't cover damage to your own car in a crash.
- Suits older, lower-value cars.
- Lower premium than comprehensive.
- Includes theft & fire payout.
Third Party Only
The lowest legal level of cover in the UK. Pays for damage to other people, vehicles and property if you cause an accident, but nothing for your own car, theft or fire.
- Cheapest standalone option.
- Often used by young drivers.
- Not always the cheapest deal.
Streetwise Plus
Telematics policy for 17–25-year-olds. The black box rewards safe driving with annual price reductions. No curfews or mileage caps, but persistent unsafe driving can trigger a warning.
- No curfew, no mileage cap.
- Annual driving review & rewards.
- Better deal for safe young drivers.
Multi-car
Insure up to five cars at the same address on a single renewal date. Each driver keeps their own no-claim discount, and LV= applies a household discount across every car.
- Each car keeps its own NCD.
- One renewal date for the household.
- Up to 12.5% multi-car discount.
Classic car
Specialist agreed-value cover for vehicles 10+ years old kept primarily as a hobby. Includes salvage retention, limited-mileage discounts and laid-up cover for off-road periods.
- Agreed-value settlement.
- Limited-mileage discount.
- Laid-up cover for restoration.
Optional extras worth knowing
LV= prices add-ons separately, so the headline quote is just the start. The most useful extras in 2026 are:
- Motor legal protection: up to £100,000 to help recover uninsured losses if you have a non-fault accident.
- Guaranteed hire car: a like-for-like hire car for the duration of an LV= approved repair (up to 14 days), not just a small courtesy hatchback.
- Excess protection: claim back your excess if you have to pay it after a fault claim or one where the third party cannot be traced.
- Personal accident cover: up to £50,000 cover for the policyholder and named drivers, on top of the standard £5,000.
- Breakdown cover: bundled at quote, supplied by the AA on behalf of LV=, available Roadside, Home Start, Onward Travel and European tiers.
The LV= multi-car discountInsure a second car on the same household policy and LV= drops the premium by up to 12.5% on each car. Add a third, fourth or fifth (LV= covers up to five) and each one stays on its own no-claim discount.
LV= car insurance prices in 2026
LV= car insurance prices vary hugely with age, postcode, mileage, occupation and no-claim discount. Because LV= sells direct rather than through aggregators alone, you typically need to quote LV= directly to see the best price. Benchmark figures below come from the ABI's Motor Insurance Premium Tracker (Q1 2026) and our own May 2026 quote tests on a 2020 VW Golf, fully comprehensive, 8,000 miles a year, 5+ years no-claim discount.
| Driver profile | UK average premium | LV= direct quote | LV= multi-car |
|---|---|---|---|
| 25-year-old, M25 commuter belt, first car after L-plates | £1,840 | £1,795 | £1,571 |
| 35-year-old family, 2-car household, suburban Manchester | £648 | £612 | £536 |
| 45-year-old, low mileage, rural Devon, single car | £512 | £468 | £468 |
| 65-year-old, retired, urban Edinburgh, 4,000 miles/year | £398 | £362 | £317 |
Source: ABI Motor Insurance Premium Tracker Q1 2026 + Selectra quote tests on lv.com, May 2026. Comprehensive cover, £250 voluntary excess. Personal quotes will vary.
After two years of double-digit increases, the ABI's Premium Tracker shows UK motor premiums fell 4% year-on-year in Q1 2026 as claims inflation eased. That makes 2026 a particularly good year to shop around at renewal instead of letting LV= auto-renew.
How to get an LV= car insurance quote
There are two routes:
- Online: go to lv.com/car-insurance and click 'Get a quote'. Allow about 10 minutes to enter your details. LV= will show one price (not an aggregator panel).
- By phone: call 0800 022 4426, Mon–Fri 08:00–20:00, Sat 08:30–17:00. Phone agents can quote on cars and risks the website refuses (modified cars, certain occupations).
Whichever channel you use, have your driving licence number, vehicle reg, mileage and full address handy. LV= will offer to bundle breakdown cover during the quote, you can decline without losing any insurance discount.
My LV= login for car insurance
The My LV= account is shared across motor, home, pet, travel and breakdown. From the app or web account you can:
- View, download and email your certificate, policy schedule and IPID at any time.
- Update vehicle details, driver details and mileage (some changes still trigger a phone call to an underwriter).
- See your renewal date and price three weeks before renewal, and turn auto-renewal on or off.
- Submit and track a claim from the My LV= app, including uploading photos and damage reports.
- Use biometric login (Face ID, Touch ID and Android fingerprint) on the iOS and Android apps.
Forgotten your password?Reset it via the My LV= login page using the email address on your policy. The reset link is valid for one hour; if it expires, the LV= helpdesk on 0800 022 4321 can reset it for you.
LV= car insurance cancellation policy
LV= gives you a 14-day cooling-off period from the date you receive your documents (or from when cover starts, if later) to cancel and get most of your money back. After that, you can still cancel but the fees increase. Current LV= car insurance cancellation rules:
| Scenario | Refund | Fees |
|---|---|---|
| Cancel within 14 days, cover not yet started | Full premium refunded | No fee |
| Cancel within 14 days, cover has started | Pro-rata refund for unused cover | Minimum £22.50 short-term charge |
| Cancel after 14 days, no claim made | Pro-rata refund for unused cover | Minimum £22.50 short-term charge, £55 cancellation fee |
| Cancel after a fault claim | No refund of remaining premium | £55 cancellation fee still applies |
LV= car insurance cancellation fees as published in 2026 IPID documents.
To cancel, call LV= on 0800 022 4321 or log in to My LV= and request a cancellation. LV= will send a final closing statement by email within three working days.
LV= car insurance customer service
LV= uses different phone lines depending on what you need. Dialling the right number first saves being bounced between departments. Numbers in Selectra blue are the ones most customers need on day one.
Contact LV= by phone
Quote line
New car insurance quotes
0800 022 4426
Mon–Fri 08:00–20:00, Sat 08:30–17:00
Top lineMotor claims
Accident or motor claim
0800 022 4421
24/7
Change policy details
Address, car, drivers
0800 022 4321
Mon–Fri 08:00–20:00, Sat 08:30–17:00
Top lineCancel or renew
Existing car policy
0800 022 4321
Mon–Fri 08:00–20:00
Online & login help
Documents & My LV=
0800 022 4321
Mon–Fri 09:00–17:30
No-claims discount
Proof & transfer requests
0800 022 4321
Mon–Fri 08:00–20:00
Breakdown rescue
Already broken down, UK
0800 051 1511
24/7
Glass & windscreen
Chip or crack repair
0330 159 8162
24/7
Complaints
Customer relations team
0800 032 6003
Mon–Fri 09:00–17:00
Contact LV= online
- My LV=: log in at lv.com/my-account or in the iOS/Android app for documents, changes and claims.
- Live chat: available from the LV= car insurance help pages during UK business hours.
- X (Twitter): @LV for general queries; never share policy or payment details over social media.
- Email: sensitive issues should be raised through My LV= secure messaging rather than personal email.
LV= car insurance head office
Liverpool Victoria General Insurance Group Ltd, County Gates, Bournemouth BH1 2NF. For policy correspondence and complaints, use the claims or complaints address on your policy schedule rather than the head office.
LV= car insurance reviews and ratings
LV= is the highest-rated of the large UK personal-lines insurers on Trustpilot, well above Aviva, Direct Line and Admiral. Industry bodies broadly agree, Defaqto rates LV= Comprehensive at 5 Stars and Fairer Finance places LV= consistently in the upper quartile for transparency and complaints handling.
| Platform | Score | Reviews | Main themes |
|---|---|---|---|
| Trustpilot (all LV= products) | 4.7/5 | 200,000+ | Fast claims, polite phone agents, clear renewal letters |
| Defaqto (LV= Comprehensive) | 5 Stars | Features-based | High level of standard features on the comprehensive tier |
| Fairer Finance car insurance | 4 Stars | Industry-led | Upper-quartile on cover, claims and transparency |
| Which? Car insurance survey 2025 | 4/5 | Consumer panel | Recommended Provider, strong on claims handling |
| Feefo (car insurance) | 4.5/5 | 14,000+ | Smooth quote journey, easy document delivery |
Ratings collected May 2026 from Trustpilot, Defaqto, Fairer Finance, Which? and Feefo.
What customers like
- UK-based call centre: the Bournemouth team answers quickly and resolves most queries first time.
- Lifetime guarantee on approved repairs is one of the strongest in the market.
- Multi-car discount stacks on top of the household NCD, often beating standalone aggregator quotes.
- Clear renewal letters: LV= is one of the few large insurers that does not push aggressive new-customer-only pricing, so loyal customers often stay competitive.
Common criticism
- Not always the cheapest: LV= prioritises service over the bottom-line aggregator quote, so the headline price can be 10–15% above the cheapest deal in some segments.
- Mid-term adjustments: changing a car or address mid-policy can trigger an admin fee of around £30 plus the underwriter premium change.
- Direct only: you typically need to quote LV= on lv.com, the brand does not always appear on aggregator front pages.
Selectra's verdict on LV= car insurance in 2026
Strengths: Defaqto 5 Star Comprehensive policy, lifetime guarantee on approved repairs, in-house Bournemouth claims team that ranks at the top of Trustpilot, and a multi-car discount that scales to five vehicles.
Weaknesses: rarely the absolute cheapest first-year quote, mid-term admin fees and a slightly slower digital experience than the most aggressive online-only rivals. LV= rewards loyalty more than it rewards aggregator-driven new customers.
If service and claims handling matter more to you than the rock-bottom price, LV= is one of the safest bets on the UK car insurance market in 2026. Just run a quote direct on lv.com (you may not see it on aggregators) and compare it side by side with at least three other insurers.
Before you renew with LV=Run a side-by-side comparison with at least three other UK insurers, including the AA, Admiral and Aviva, and read our guide to UK insurance providers for the latest market rankings.
LV= car insurance FAQ
Yes. LV= car insurance is underwritten in-house by Highway Insurance Company Ltd, part of Allianz Holdings. Unlike most large UK brands (which broker your policy across a panel of underwriters), LV= quotes, services, claims and renews your policy under a single roof in Bournemouth. That is one reason the brand consistently scores at the top of Trustpilot for personal-lines insurers.
Yes. The Liverpool Victoria General Insurance Group, which trades as LV=, has been part of Allianz Holdings plc since January 2024. Allianz committed to retain the LV= brand and the Bournemouth head office, so day-to-day customer service has not changed under Allianz ownership.
Call 0800 022 4321 or log in to My LV= and request a cancellation. Within the 14-day cooling-off period you'll get a pro-rata refund and only pay a small admin fee (or no fee at all if cover has not started). After 14 days, LV= charges a £55 cancellation fee plus a minimum £22.50 short-term premium charge, and you keep the cover up to the date you cancel.
Call the LV= motor claims line on 0800 022 4421, open 24 hours a day. The agent will log the incident, arrange a courtesy car if you have Comprehensive cover, and pass the claim to the in-house claims team in Bournemouth. Always call this line before you accept liability or speak to the third party's insurer.
Yes. Every LV= Comprehensive policy includes up to 90 days of European cover per trip, at the same level of cover as in the UK. Third-party-only and TPFT policies include the legal minimum cover required by EU member states. For longer trips or higher levels of European cover, you can buy a Foreign Use Extension at quote stage.
It can. Even with a non-fault claim, insurers will note the incident on the Claims and Underwriting Exchange (CUE) database for five years, which can push the next premium up by 5–15%. Adding motor legal protection (up to £100,000) for around £25/year lets LV= pursue the at-fault driver to recover your excess and uninsured losses, including the premium uplift.