LV= Reviews - lv.com/car-insurance

LV= Reviews - lv.com/car-insurance
★★★☆☆
3.5
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66.0% of users recommend this

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  • Value For Money

5 Questions | 9 Answers
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“Beware”

★☆☆☆☆

written by alun1974 on 07/10/2023

Very unscrupulous company. Someone ran into the back of my car 2 years ago - they admitted liability and car was fixed no problem. 2 years later I get a solicitors letter from LV saying Hastings were now refusing to pay and that I had to sue Hastings and attend court to recover LVs money! I've obviously said I don't want to sue Hastings and if they are owed money then sue them themselves. Since then I have received multiple emails from LV threatening me. They've said it is in the T&Cs and are now saying they will put the accident down as a fault on my record and destroy my no claims bonus if i do not issue legal proceedings! I have reported to FCA and have contacted the BBC - I am also seeking legal advice to try and protect myself from their constant bullying. Be aware that if you take car insurance with LV this could happen to you

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“LV does nit value existing customers ”

★☆☆☆☆

written by Sonnyc81 on 05/10/2023

Home insurance quote increased by 33% by LV. LV increased my home building and content quote by 33% despite no claims being made. Online comparison site offered an equivalent quote gir £225 which is what LV quoted last year. Clearly LV do not want loyal customers snd offer cheaper deals only to new ones. I won't be using LV in the future. I also will not renew my car insurance with them until they rmvakye existing customers as much as they do new ones

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“Unreliable and Deliberately Difficult”

★☆☆☆☆

written by Burrowhutch on 23/07/2023

Have insured several cars with LV over the years but they have recently become expensive and difficult to deal with - and a bureaucratic nightmare. Saved 30% on renewal preimum by going elsewhere.

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Asked by normangrundy on 20th February 2018 Report this content
I have taken a fully comprehensive policy with you on 2'2018 for my car a Nissan note at the time I had no proof of my driving in the last 5 yrs I have been awaiting a letter from RSAM giving details of my safe driving record this brings my safe driving record up to date 50yrs plus quite an achievement in this day and age 42yrs driving HGV vehicles helped a lot your quote of £2000 plus is out of all proportion on a car valued at £4000 if I post this information on to you how much difference would this make?

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Asked by Sanycooper2426 on 16th April 2016 Report this content
Do I have to except the offer 50/50 if I believe that it was not my fault?

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Answers (1)
Report this content I.Davenport Written on: 18/04/2016
My parents had a similar problem where LV kept fobbing them off telling them that they were waiting for the 3rd party to respond. The claim went on for nearly 6 months. My parents were sitting in their car which was parked, legally, at the kerb. The 3rd party came around the corner, lost control and hit the rear of Dad's car. They admitted liability straight away. After finally threatening LV with the insurance ombudsman, they were paid out - the full amount. LV try anything to get out of it. If you are not to blame and the 3rd party have admitted liability, LV should pay out - simples.
Asked by powellr87 on 2nd December 2014 Report this content
What is the fire excess on your fully comprehensive cover? When I get a quote it states the theft excess is the same as the compulsory excess, but there is no mention of the excess if my car was to catch fire.

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Answers (2)
Report this content uah888 Written on: 05/12/2014
My policy state that the fire excess is the total excess shown on your schedule, ie the compulsory and the voluntary excess combined (Mind is 250+250).
Report this content eddduck1948 Written on: 06/12/2014
I haven`t got LV car insurance any more - went to Direct Line again as i thought the policy docs are easily understand. Please see my Direct Line review. Thanks
Asked by MauriceOz on 22nd May 2014 Report this content
I am returning to UK, permanent, after 30 years accident free in Australia. Will they recognise my Australian no claims record? What proof do they need?

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Answers (2)
Report this content GrahamBuckle Written on: 25/05/2014
Yes there should be no problem,insurance companies have a data base to share information to guard against fraud. But you can always ask your insurance company to send you a letter stating your current no claims status.
Report this content uah888 Written on: 05/12/2014
You would be extremely lucky to find one that will accept your Australian no claim history. Insurers are not that generous in U.K.
Asked by knowles178 on 3rd February 2014 Report this content
If I had an accident could I chose which repairer I wished to use?

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Answers (4)
Report this content jonlamb Written on: 04/02/2014
We were told to use their preferred garage. It was a reputable main dealer repair centre though. We're insured with RAC/ LV and just had our car repaired last week.
Report this content GrahamBuckle Written on: 05/02/2014
Yes you are entitled to use a repairer of your choice, but by using one of the insurance companies approved repairers you will get a free courtesy car while your car is off the road. They are also bound by service level agreements, so you get a quick turn round time on the repairs. Any repairer has to submit an estimate which the insurance company will assess to make sure it is fair and reasonable for the repairs required.
Report this content Guest_55 Written on: 05/02/2014
If I recall correctly when we claimed, this was possible but then we would not have the use of a courtesy car. To keep things simple we just used LV's recommended repairer who carried out a top class repair job.
Report this content uah888 Written on: 05/02/2014
Absolutely.You can choose whatever repairer you want. However (I did a bit of research on this) you may not guarantee a hire car, you may have to pay the difference between their own repairer estimate and yours, you may not have the repair work on the same warranty. On the plus side LV policies are value for money. You get what you pay for. I cannot comment on their customer service because I never have a claim fortunately. Good luck.
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