DO NOT take out emergency home breakdown cover. It wont happen. Very vulnerable adult left with no working boiler in below freezing temperatures for a week so far. Still no date for fix. They dont care. Told not to get boiler fixed elsewhere. This may be an ambulance case soon, it's very frightening.

I claimed under the energency home policy and 9 days later the leak is still not repaired. LV promise plumbers will attend but they dont. They are just not interested once they have your premium. The claim handlers claim taht teh etam dont have phones to respond and will say anything to get you off the line

My 79 year old mother made a claim for storm damage. It was her first claim for 25 years. LV initially insisted that they would cover the costs. They just asked that she obtained a verbal quote. As water was leaking through the roof, it was time critical. LV bombarded my mother with phone calls and emails which totally overwhelmed and confused her. When I I got involved, I was given completely contradictory information by every LV member of staff I spoke to. Eventually they sent round a contractor to validate the claim. This wide boy turned up with a horrible attitude as soon as he got out of the car. Really aggressive, bullying and rude. When I complained to LV I received no response whatsoever.

My mum died on Sunday 8th May 2022. She has a life policy with this dreadful company. I have been trying to call them every since and email but they do NOTHING When I called, I was no 5 in the queue , an hour later, I am still no 5. This is not a one off, I've tried constantly. I've emailed and no-one gets back to you at all. I am stuck trying to report my mums death and wanting / needing to start the process to cash in her policy. I have no money to bury her without this - I am very shocked and saddened at this company. I feel helpless now and do not know what to do - which way to turn. No stars of course

Many times did I try to find out if my late father in law's policy of 1941 id still current or not. I'm directed to press buttons that tell me they are busy. No matter what time of day I phone them the reply is always the same. I continue to hold and I now after many days of trying I see that the the number of callers before me go down in such a proportion of time that when I get to number 1 it will be time to close. If I'm lucky I will be cut off soon after two hours. Please do not phone if you have nothing else to do. Put your phone on high volume and go and do something else. No offices are nearby to visit and the phone system is not fit for purpose. Customer service and care is none existent, they need more people to answer the phones, surely they must be losing business as I will join other complainers in not using LV.

Having put in claim for subsidence with LV they sent out a loss adjuster from Maules & co. who was completely incompetent had not got a clue what he was doing sent information to LV. LV only took notice of this information. They did not take any notice of genuine information that we supplied including an independent structural engineers report that we commissioned LV in their wisdom took no notice of said report insisting Maules were right and our report was irrelevant, they also wanted to talk to us by phone which we refused as wanted everything in writing which is essential with this company. As for the financial ombudsman service which LV were keen to push, absolute waste of time from customers point of view they only find in the company's favour. Definitely would not recommend this company claim handlers had no respect what so ever towards the customer, didn't like it when we refused to speak to them on the phone. we have obviously changed our insurance company what a relief.

We thought we were well covered with LV.New for old on contents etc. During storm Dennis a ridge tile blew off and landed on a glass table on the patio. Apparently, contents insurance only covers ,fire ,theft and flood and not storm damage.  The ridge tile would have been covered, however,my excess of 350.00 wipes this out as their “ Matrix” suggests a price of £276.00 to repair the damage. At the age of 63 and having never claimed on house insurance Am really not surprised at their response but totally disappointed. Suggest only having minimum cover because they will not pay out when you need it. This is why they can afford to advertise on the TV. They do not honour their commitments. Use this insurer at your own peril!.

Our home was affected by the storms and water got through the roof and made the ceiling in the bedroom. We did our best to limit the damage and put buckets where the water was coming in and running down the joists, while it was a bit of a worry we were ok because we had insurance. We were very nice and explained when we made the claim we understood if it took a while as many people would have been worse off and even at the past retirement age new we could deal with it. Well we had the assessment this morning and were told the company had rejected the claim on grounds of poor maintenance.....the roof is under 10 years old and was fine before the storm which had pulled out some of the mortar from our ridge tiles, which allowed the water to get in...Who on earth would check if when you looked up(we only had the facia boards doe about 6 months ago)so we have looked and it was fine. We have only made two home insurance claims in 45 years, the first last year again with LV when a ceiling came down and this was also rejected as " often happens with old Victorian ceils so your not covered" which we found out on reading a specific section of the policy, so fair enough we thought and renewed with them anyway. So within a few days(as our policy is up for renewal at the end of March)despite us already agreeing the price hike, they added another 25% we thought fair enough we made a claim....We must be naïve THIS COMPANY DOES NOT LIKE TO PAY OUT SO STAY WELL AWAY.

ONE CLAIM - 100% Increase in Renewal Price!!! My Home Insurance renewal is due (Oct) & my premium has increased by almost 100% from £258 to £440!! I've only had 1 recent claim for around £800 for damage caused by a water leak back in May. Money Supermarket quoted me £366 for LV using the same details as my current cover (and 263 for More Than). The Customer Service operator apologised but said that there was nothing she could do & advised me to use the website quote! I did. I used More Than (they also have a greater Customer Satisfaction reading than LV on this site!)

In September I had a burst pipe in my kitchen I reported it to LV who suggested we could go it alone to find workmen of use their partner company Foreshaw. The assessor came quickly and produced a project plan which included replacing the bathroom. Floor above the kitchen. Initially they sent people with during out equipment running 24 hours for over two weeks all at my cost they quickly collected my excess of £350. Then a plumber arrived to remove the shower sink toilet and towel rail. I told the plumber I had all the paperwork on the shower and that it was 20 years old I said leave it just tile up to the shower he was so awful he refused and ripped the fittings all out breaking the flexible outlet. The original supplier of the shower went bankrupt and there are no spare parts available anywhere in the U.K. I turned to the LV loss adjusters and expected them to support me but they supported the Foreshaw Group who walked off the job leaving me without a working bathroom and a kitchen in a mess. LV decided I should take this to the ombudsman and sent me an email saying my complaint has been resolved it is not. Today they said they want to make a settlement and I should sort this out myself. What an attitude from what I thought was a reputable company. I have read really bad reviews about Foreshaw and spoke to two people today to get this problem fixed they all said they will not take on anything Foreshaw have started

As soon as I contacted LV about a possible claim (before I decided to claim, actually I was wondering if it was worth it), they sent me the renewal documents (because the renewal date was close) and they increased the sum for next year by more than double.When i asked them why such a dramatic increase, they said because I had in mind to make a claim!

I made a small claim with LV following a lightening strike. I tried claiming for my PC, landline phone and cooker. I paid a £250 excess. Collected my PC and repaired it really badly. I had to get a friend to fix it for me. They gave me a voucher for a new phone without fuss. An assessor came and looked at my cooker. I had to chase and chase to get the result of the assessment of my cooker. I was told that it wasnt installed properly and they wouldnt repair or replace. I complained about my PC and my cooker. I received a voucher from the PC repairer for the poor service I received. I never received any response from LV about my cooker. My husband repaired it by changing the power cable himself luckily. It cost me £250 excess, I received a £40 voucher for the phone, I had a badly repaired PC (my friend who knows about PCs told me it would not have cost much at all to repair the PC) and they wouldnt repair my cooker. When I asked how much it all cost as I was told that if the cost of service/repair was less than the £250 excess, I would receive a refund. Of course, they verbally told me that my claim cost more than £250 so I wouldnt receive a refund. I asked for a breakdown of costs, which was never sent me. My renewal of insurance happened a month after my claim, so I just renewed with LV. However, I have just cancelled my insurance renewal for this year. I spoke to an adviser who could not care less why I wasnt renewing this year. I volunteered my reason for cancellation and she really wasnt at all interested. No customer care, no follow up service. I would not recommend them at all. Poor repair service and communication. Very frustrated by my experience. I feel really ripped off.

I made a small claim with LV following a lightening strike. I tried claiming for my PC, landline phone and cooker. I paid a £250 excess. Collected my PC and repaired it really badly. I had to get a friend to fix it for me. They gave me a voucher for a new phone without fuss. An assessor came and looked at my cooker. I had to chase and chase to get the result of the assessment of my cooker. I was told that it wasnt installed properly and they wouldnt repair or replace. I complained about my PC and my cooker. I received a voucher from the PC repairer for the poor service I received. I never received any response from LV about my cooker. My husband repaired it by changing the power cable himself luckily. It cost me £250 excess, I received a £40 voucher for the phone, I had a badly repaired PC (my friend who knows about PCs told me it would not have cost much at all to repair the PC) and they wouldnt repair my cooker. When I asked how much it all cost as I was told that if the cost of service/repair was less than the £250 excess, I would receive a refund. Of course, they verbally told me that my claim cost more than £250 so I wouldnt receive a refund. I asked for a breakdown of costs, which was never sent me. My renewal of insurance happened a month after my claim, so I just renewed with LV. However, I have just cancelled my insurance renewal for this year. I spoke to an adviser who could not care less why I wasnt renewing this year. I volunteered my reason for cancellation and she really wasnt at all interested. No customer care, no follow up service. I would not recommend them at all. Poor repair service and communication. Very frustrated by my experience. I feel really ripped off.

First time buyer of home cover, and we got a great deal with LV, cheaper than my bank, even after cash back's and other incentive on offer by bank.

Took out home insurance policy with LV after looking at compare.com. Quote was £93+ which wasn't the cheapest but being a big firm you should expect good service. After approx 2 weeks received a letter stating I owed them a further £60 as I had made a claim of accidental damage in the last 5 years. I checked my documents and this claim shows on my policy document with my premium of £93. I telephoned and asked why the extra charge, and why it is 2/3 the total cost of the overall policy. I was informed as my claim was less than 5 years, this is what the total premium cost would be. I cancelled my policy as they would not budge. They then charged me £30 + for the privilege. I only took the policy out on 6th July. I argued they agreed the policy then changed it without notifying me. I also argued that I went back on to the consumer site and asked for two different quotes, one quote with 4 years no claims and one with 5 years no claims. Both quotes for LV came back exactly the same price at £117. This clearly shows they are ripping people off. I have contacted the complaints department and if I get no joy there I will go through the ombudsman. STAY AWAY FROM THIS COMPANY THEY ARE IN BUSINESS FOR THE MONEY ONLY.

"My claim under LV's Home Buildings policy started badly because LV gave me the wrong number to ring. It took 20 minutes to get through to a claims handler. I explained there was a leak from the shower and the claim was passed to Davies Property Claims. Having heard nothing from Davies for 5 days I hired my own plumber to look at the problem but he couldn't find the cause of the leak. I phoned Davies to tell them. It turned out that LV had made a mistake with my phone number. They sent an inspector to assess the claim. The 'inspector' spent most of her time asking exactly the same questions I'd already given to both LV and Davies. She took some photos and measured a few rooms. She asked where the telephone cable entered the house. She became defensive when I asked questions, repeatedly saying she wasn't a plumber. So not exactly an inspector, then. She said I had to pay the excess before work started. I said, "So you want me to pay you up front?" She said crossly, "But it isn't ME you have to pay." She then told me that if the shower leak was caused by a faulty seal or grout, the claim would not be covered and I would forfeit the £350 excess. Neither LV nor Davies had mentioned this before. Then she thought the excess might only be £100. She had to call the office to find out the true figure. It turned out the excess forfeited would be £250 if they discovered a faulty seal. It sounded like I was being asked to gamble with the money. If I wanted to gamble I wouldn't have bought insurance in the first place. On at least 3 occasions during the visit the so-called inspector strongly advised me to drop the claim and get the repairs done myself. It seemed a complicated, confusing and potentially expensive business so, after talking to another plumber, I did decide drop it. I'll be dropping LV too.

I had LV Home Insurance on a property I sold after 9 months of the Annual Policy. Needless to say they offered NO rebate on the 3 months remaining. Wonder what would have happened if I'd asked them for 3 months free after the Policy ended. Very poor money grabbing practice. I'll be taking my business elsewhere on my new home.

Been using LV for years. Please keep up the good work!

I am very gratified at the care and attention I have received. Unfortunately I have mislaid my documents, could I ask what my premiums were last year? Thank you,