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Read Which?'s expert review of LV's home insurance. Find out how we rate LV'shome insurance policy against other providers
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Dean SobersSenior researcher & writer
In this article
- What does LV offer?
- Does LV offer the best home insurance?
- How good are LV's home insurance policies?
- How did customers rate LV's home insurance?
- How can you save money on LV home insurance?
- How can I claim?
What does LV offer?
LV General Insurance is one of the larger insurance brands in the UK.
While LV was founded in 1843, the LV General Insurance brand – which also offers car insurance, travel insurance and pet insurance – has been owned by Allianz since 2020.
LV's standard policy – Home – covers burst pipes and lost and stolen keys as standard. You can add full accidental damage cover (cover for some of your property, such as fixed glass and sanitary ware, comes as standard), home emergency, personal possessions, boiler cover and legal protection cover.
- Find out more:how to find cheap home insurance
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Does LV offer the best home insurance?
We've rated dozens of insurers on their policies and, where possible, customer service. Members can log in to read our full reviews.
If you're not already a member, join Which? and get full access to these results and all our reviews.
We analyse and rate 21 aspects of buildings cover, 40 areas of contents cover, and 25 features applicable to both (such as admin fees). We use this data to award each provider policy scores for its buildings and contents cover.
Initially, we score all of the product elements out of five, reflecting how competitive each policy is in this area compared with other insurance products. We also assess how important different policy elements are to consumers when choosing and using their home insurance, and factor this in when calculating our policy scores. More important features (such as alternative accommodation cover) will have more of an effect on the score than some other features (such as cover for the contents of your freezer).
To be a Which? Recommended Provider, an insurer must:
- Be regulated by the Financial Conduct Authority (FCA)
- Be available to the general public
- Have received responses from 30 or more customers in our survey
- Achieve high scores in our customer satisfaction survey
- Achieve an average or higher policy score
- Achieve an average or higher claims satisfaction score
How good are LV's home insurance policies?
Members can log in to read our full policy analysis. If you're not already a member, join Which?and get full access to these results and all our reviews.
How did customers rate LV's home insurance?
We've talked to customers who recently claimed to score insurers on their customer and claims service.
Members can log in to see these scores. If you're not already a member, join Which? and get full access to these results and all our reviews.
How can you save money on LV home insurance?
At the time of writing, LV applies a web discount – meaning its policies are cheaper to buy online than over the phone. If you bought your current policy over the phone and are unhappy with the renewal price, check what LV offers for the same policy online.
Like most insurers, LV doesn't officially pledge to match other providers' deals. But if you're unhappy with the price LV is offering, it's always worth calling to discuss the quote. See our detailed guide on how to haggle to get the best price.
LV offers a discount for having both buildings and contents cover with it.
Its Home and Home Plus are offered on comparison websites but Essentials can only be bought directly from LV.
For other ways to save money on your home insurance, see our guide.
Check you're getting a great deal and search for a new home insurance policy using the service provided by Confused.com. Get a quote now
How can I claim?
If you need to make a claim with LV home insurance call 0330 678 5000.
Find out more about claiming successfully in our guide tomaking a home insurance claim.
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Find the right policy for your home using the service provided by Confused.com
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Find the right policy for your home using the service provided by Confused.com
Get a quote nowHome insurance reviews
- Best UK home insurance companies and policies
- AA home insurance review
- Admiral home insurance review
- Aviva home insurance review
- Axa home insurance review
- Churchill home insurance review
- Direct Line home insurance review
- Ecclesiastical home insurance review
- Halifax home insurance review
- Hastings Direct home insurance review
- John Lewis home insurance
- Lloyds Bank home insurance review
- More Than home insurance review
- Nationwide home insurance review
- NatWest home insurance review
- NFU Mutual home insurance review
- Privilege home insurance review
- Royal Bank of Scotland home insurance review
- Saga home insurance review
- SAGIC home insurance review
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