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!

Why do you use a number that costs your clients money and makes money for you?

I have used Liverpool Vistoria for buildings insurance for a number of years because they offered a competitive premium with good service. Not any longer. When my garden wall blew down in the winter of 2013/4 it took them over four months to get it put back. Complaints to them resulted in promises of immediate attention which, however were pie in the sky. They also employed a third-party claims-handling firm which was so appallingly bad that it made the phrase "incompetent idiots" look like a recommendation. On the plus side, the actual builders were very good.... It is now renewal time. I can get the same policy cheaper on-line by having a brand-new policy rather than renewing (why do they do this? It happens every year)but their interactive web-site refuses to operate correctly and it proved impossible to make a purchase that way. I tried eight times on different days, but it would not progress and accept alterations to the fatuous and inaccurate assumptions they take as the default setting. This will be my last year with them unless they improve significantly.

I HAVE CONFORMATION FROM YOU THAT YOU ARE MY HOUSE INSURER BUT I HAVE NOT RECEIVED A POLICY DOCUMENT AS YET> MY CONFORMATION REFERENCE NUMBER IS 12043198316 PLEASE CONFIRM YOU HAVE THE CORRECT ADDRESS BY RINGING ME 

My 90yr old Mum was told her renewal premium would be £601.27. On Comparison website this came (with LV=)at £157.24. A difference of £444.03. I complained. This is the bit thats interesting from their response "We are looking into amending our renewal documents to inform customers who are still on the older products about our new product, however it does not always work out at a cheaper premium for everyone and we are not able to know this without re-quoting for each person individually." Take care ... MAKE SURE YOU GET AN ALTERNATIVE QUOTE Shocking

I have jst taken out a home and contents insurance with LV and was promised an email confirmation of this. Although the first instalment of the premium has already been taken out of my bank account, I have receIved no confirmation of the premium or the policy details.

My renewal for my Home and Buildings policy has for the last 10 + years included atravel policy (called Home and away). Thios years Renewal stated that travel policies had to be done seperately, please phone a number. My 'new 'Renewal was £322 for a European policy for 1 year. Previous year on my Home policy it was£90!! I have made no claims for a while. Although polite the persons I talked to could give no reson why. What a rip off. I have cancelled all policies worth £500 with them. They didnt seem bothered