LV are the cheapest - but I have just saved £100 by cancelling my auto renewal and returning as a new customer. No benefits for loyalty.....be sure to opt out !

AFTER AN ACCIDENT CAUSED BY CULPABLE DRIVER FAINTING, WITH OVER 10 WITNESSES, THE INSURANCE ASSESSOR TRIED ALL TRICKS TO KNOCK DOWN THE CLAIM PRICE OF A RIGHT OFF AND EVEN TRIED TO MAKE ME PARTLY RESPONSIBLE. HOWEVER I STUCK TO MY GUNS BUT STILL TOOK 3 MONTHS TO GET MONEY FROM COMPANY. HAVING CHECKED OUT MOST INSURANCE COMPANIES I NOW REALISE THAT THE INSURANCE CULTURE IS TO TRY NOT TO PAY OUT BY THEM ALL. IN THIS SCENARIO LV COMES OUT BEST OF THE WORST. THE SITUATION NEEDS THE GOVERNMENT TO TAKE A LOOK AT AS WE ARE ALL BEING RIPPED OFF. THIS WOULD WORK IF THE GOVERNMENT WAS NOT IN COLLUSION AND JUST AS DISHONEST LOL

How come on-line quote is considerably cheaper than automatic renewal ?

I waited online for over 5 minutes, which is a lifetime hanging on the phone. Then i got a message saying lines were now closed for a fire drill. The mind boggles that a major insurer does not have contingency plans for emergencies, let alone practise drills. First and obvious your call centre for car insurance should not all be in one building, it should be split between 2 locations, not difficult with telecomms and electronic systems in this day and age! If it had been located in more than one location, drills can be carried out in each at seperate times, without impact on customer service, except a longer wait. As i said and now reiterate you are a major insurer, LV should understand risk and business interuption better than most, but by todays display you appear to lack

I decided to move from Sheila's Wheels to save a few pounds on my car insurance and to be honest I wish I hadn't. After I took the policy out I got the normal request for a copy of your proof of no claims, plus copies of my licence (both parts), and the car registration document!!!! It begs the question whether LV do it to avoid paying for the services directly from the relevant companies who have these records already on file, or 2)whether it's done to try and catch you out with maybe a view to charging you somewhere else down the line for admin or similar. Either way you're made to distinctly feel like they don't trust a word you tell them, and yet they are happy enough to take the payment details without discussing this level of finer detail. After 20+ years driving, and using lots of different insurer's, this is the only time I have ever been asked for this much detail so it raises the question whether saving a few pounds is worth the addition pain, and I for one think it isn't. After all if you have to jump through this many hoops to keep them from cancelling the policy what are they going to be like if you have an accident that transpires to be your fault. I know they have a great score on Reevoo (which btw: requires you by invitation to complete feedback within a few weeks of purchase) but it all feels a bit too contrived for me. I for one will be looking to jump ship as soon as the policy ends, and won't be recommending these guys to anyone

very annoying that it took two visits to pay this bill,as timed out on first visit,insufficient time to complete tranaction

The website is very quick and easy to use. However, they were too busy to speak to me when I telephoned to buy car insurance. Hence only 3 stars. Am a bit anxious that when I need help or to claim, will have to hang on the end of the phone for hours.

Moneysupermarket gives appropriate buttons to add options to the basic insurance premium but these are not operative the premium remains the same. When I went into the LV site there was no option to add breakdown. Subsequently I just took the 'free' breakdown cover offered by Moneysupermarket. I have yet to read the 7 pages of conditions to see of this is sufficient for my needs. LV site does not appear to cover policy updates (per government legislation?) and this is an important element of the terms and conditions when people are deciding on suitability .

to slow for document arrival

I received my renewal premium which was dearer than going online to LV's website and renewing, for exactly the same products.

Whilst I agree with most of your reviewers that it is easy to buy the car insurance! it's a different matter when you have an accident ! Whilst talking to LV, at the side of the A1, after having been pushed 200 yards by a foreign lorry, I was in no state to argue when I was advised that my car had to go to a back street garage for repair, although I had requested that I would prefer my dealer to carry out the repair. They released the car to me in a non- roadworthy state and I told lv that I was not impressed. They then indicated that I could have taken the car to any repairers I chose as quote - it was my car !!! Everyone please be aware of this even if you are advised otherwise. Apart from that, the claim handling procedure was adequate.

Very slow to actually receive policy documents, although an email acknowledgement was sent straight away over two hours ago however still waiting for a policy, how long does it take?

I'm very happy with the service provided by LV, with one major exception. For the last couple of years when the renewal notice for my car insurance has come through I have re-applied as a new customer, and have saved money every time by doing so. Surely there must be a cost to LV in having to delete a customer from their active records, and another in adding a 'new' customer.....so why not give existing customers the best price for renewing without them having to play games like this ?