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LV= Home Insurance Review


Home > News & Resources > LV= Home Insurance Review

LV= Home Insurance Review

Updated 12 February 2021
by Ronny Lavie

Key LV= policy features

  • 24-hour UK emergency helpline if you need help in a hurry
  • 12-month guarantee on all repairs when you use our recommended repairer service
  • Choose from our two levels of home insurance: Home and Home Plus

Get a quote from LV= Home Insurance.

Find out if LV= Home Insurance made it into our list of the best home insurance companies.

Read on to learn more about:

  • What types of home insurance does LV= offer?
  • What optional extras are available from LV= home insurance?
  • How much does LV= home insurance cost?
  • Are discounts available for LV= home insurance?
  • LV= home insurance customer reviews
  • Expert reviews of LV= home insurance
  • How to make a claim on LV= home insurance?
  • Other services available from LV=

What types of Home Insurance does LV= offer?

LV= — also known as Liverpool Victoria — offers two types of home insurance cover: Home and Home Plus.

Home — LV=’s standard home insurance plan. It covers the following:

  • £1 million buildings cover to rebuild your home
  • £50,000 towards alternative accommodation if you can’t stay in your home while it’s undergoing repairs following a claim
  • Up to £100,000 home contents cover

Home Plus — LV=’s premium plan for home insurance. It offers a higher level of coverage than the standard Home plan:

  • Unlimited buildings cover to rebuild your home
  • £100,000 towards alternative accommodation if you can’t stay in your home while it’s undergoing repairs following a claim
  • Up to £150,000 contents cover
  • Full accidental damage cover included
  • Personal belongings cover away from home included
  • Bicycle cover away from home included

Customers have access to a 24/7 emergency helpline, available 365 days per year.

Get a quote from LV= Home Insurance on their website.

See how LV= compares to other providers in our list of the Best Home Insurance Companies.

LV= also offers Landlord Insurance.

What optional extras are available from LV= Home Insurance?

LV= has several optional extras available on it’s standard Home plan. These include:

  • Full accidental damage cover
  • Personal belongings cover away from home
  • Bicycle cover away from home

Some cover that is normally only available as an add-on with other insurers is actually included in the standard package, including:

  • Replacements for locks and keys
  • Accidental damage cover in case fixtures and fittings like your windows, toilets or baths get damaged
  • A 12-month warranty on all repairs when you use our recommended repairer service

How much does home insurance from LV= cost?

The cost of home insurance varies according to various factors. LV= cites the following factors are taken into consideration when providing home insurance quotes:

  • The building materials of your home — Some materials can be at higher risk of things like fire damage
  • Where you live — Areas prone to flooding are typically more expensive to insure
  • Your home security — Installing cameras and alarms can sometimes reduce your premiums
  • The type of building and its size
  • Government initiatives — Schemes like Flood Re can help supplement the cost of your home insurance
  • The costs of repairs
  • Severe weather — Homes that are likely to be impacted by future weather events may be more expensive to insure

Get a personalised LV= home insurance quote.

Are discounts available for LV= home insurance?

LV= claims that new customers can save up to 25% on their home insurance policies when they book online. This is based on over 30% of customers receiving a 25% discount (excluding Home Emergency cover and Home Legal Expenses). Terms and conditions apply.

Discounts are available on a range of other LV= insurance products as well, including Car, Pet and Travel

LV= Home Insurance customer reviews

On their own website, LV= have customer reviews verified by Reevoo. Their home insurance service is rated as 9.1 out of 10, based on over 5,700 reviews in the past 2 years. Customers have praised its ease of purchase, clarity of policy information, and value for money.

Overall, LV= has a high approval rating on Revoo. 99% of over 6,400 respondents said they would buy again from LV=, with 92% of more than 1,400 respondents saying that enquiries were handled effectively.

On Reviewcentre.com, LV= Home Insurance scores 3.0 out of 5 stars, based on more than 200 reviews. 55% of customers would recommend the service.

On Trustpilot, LV= has a score of 4.7 out of 5 based on more than 29,000 reviews, achieving a high overall rating of ‘Excellent’.

On Reviews.co.uk, LV= has 3.37 out of 5 stars based on more than 200 reviews.

Expert reviews of LV= home insurance

LV= has been named ‘the UK’s No. 1 insurer for customer service’ in a UKCSI survey (January 2021). The award recognises LV=’s commitment to delivering high quality customer service, according to figures by The Institute of Customer Service.

LV= is recognised by Which? as a recommended home insurance provider.

How to make a claim on LV= home insurance?

LV= recommends you take a look at its claim considerations before making a home insurance claim.

If you still wish to make a claim, you need to call LV=’s claims line on 0800 032 2844 (or +44 (0) 1202 296762 from abroad). Lines are open 8 am to 8 pm Monday to Friday and 9 am to 1 pm on Saturday. Emergency assistance is available 24/7.

You will need your policy number when calling. If you are reporting a theft, you will need to get a crime reference number from the police before calling LV=.

LV= will then make the necessary checks, including arranging repairs and replacements as needed.

Other services available from LV=

LV= offer a range of insurance products, including Landlord, Car , Motorcycle , Travel, Breakdown and Pet.

The company also offers investment services, retirement and pension services and legal services.

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This article was written by Bought By Many. We were not paid to write it but we will receive commission if clicking on a link to one of the named insurers results in a reader taking out a policy with that insurer. We also charge for advertising space so a particular insurer may be highlighted in the article and, where insurers are listed, it can dictate where they appear in the list.


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