LV= Reviews

Everything was excellent. Customer service with making claim, car loan & garage repair first class!

Competitive price found on Compare the Market. Website easy to follow. Application straightforward. Nice low excess. Very happy.

Easy to set up and helpful support staff to advise on special needs.

I feel compelled to share my experience with Liverpool Victoria (LV) to warn other consumers about practices that I believe are both misleading and unfair. My 18-year-old son was involved in a driving incident where he damaged two stationary vehicles, and in breach of his policy. No injuries occurred to any third parties, and he accepted responsibility. LV subsequently issued him a bill for £15,253, without providing any supporting documentation, after months of requesting this, they refused at each hurdle. We received only a brief email stating he owed that amount. Threatening legal action within two weeks if no payment is made. No formal documents, no attachments, no breakdown of what this cost entailed at all. After challenging this for months back and forth and invoking our consumer rights, we were referred to LV’s solicitors. It took several months before we finally received the engineers’ reports, which, in our view, revealed inflated repair costs and several other costs in addition. Separately, after raising multiple concerns with the Financial Ombudsman Service, we were awarded compensation for LV’s poor handling of the case. However, without our knowledge or consent, LV added the compensation amount to the claim record, artificially inflating the total claim value. This figure is now visible to other insurers and could negatively impact future insurance quotes. When questioned, LV stated: “The compensation has to be recorded onto this file, There is no other way of doing this” This means that although compensation is awarded for poor service, it is simultaneously used to penalise the customer by increasing their claims history. This practice raises serious concerns about transparency, fairness, and data ethics. Consumers deserve to be informed when compensation is recorded as part of a claim, especially when it affects their financial standing and future insurability. This is all factual information, and consumers have a right to know this is how this company has behaved. LC have not once been fair or transparent since the claim began last year, Oct 2024 and is still behaving in this manner today, Sept 2025.

Straight forward to complete online, questions clear and didn’t take along time to complete.

Easy to use website, quick and thorough.

Clear website.Easy to complete quotation form. When I accepted the quote the cover documents were e mailed to me quickly with a summary of the cover.

good site easy

Web site easy to negotiate. Price of policy was very reasonable. I saved £170 from the renewal price quoted by my previous insurer for more or less the same cover. Everything looking good so far.

My husband died on August 5th 18 days after a terminal illness diagnosis of advanced pancreatic cancer that had spread to liver and bowel. He was diagnosed in A&E where I had taken him about a blockage.. I am so low and bereft. I spent until September 6th organising his cremation and a memorial service. Paul ws a much-loved teacher. I also applied to LV for a claim on life policies to help with the funeral and memorial costs. LV were not exactly helpful at first. But since then I have had further upset. Paul died on August 5th, yet on 28th August two letters came for Paul from LV demanding to know why he had cancelled his DDs for his policies, when they knew he was dead and had been told shortly after he died. Paul died at home and I found his body . As if that was not traumatising enough and the short period from diagnosis to death, I have had to deal with overweening bureaucracy from them and error in behaviour. Receiving letters like this should not happen. Not from the very company who held his policies. On top of this I said to one complaints handler who offered me £100 compensation , for which I had to use a complicated online system called Mimecast, why could I not use a straightforward email . There is apparently, no way of calling complaints as they do not give out telephone numbers for that area of the business. I also told him that I would not be available for calls the following week as I had a funeral (a cremation) and a memorial at the end of the week. Could they call me the following week? Instead I was called twice, in that very week of the funeral and on the day of the cremation! I said that was really cause for further complaint. They offered £150 and I said given what they had done perhaps £190 would be fairer. This then had to go to another complaints handler and I had to use the Mimecast system at first which is impossible to get to work properly and takes ages to reset passwords that then it still doesnot work. I was told by this complaints handler Nathalie that she works swiftly, but this was on the 8th. As I had heard nothing today , the 15th , I tried to spealk to the complaint handler Nathalie, but no joy as there is no direct number and I was told by another person elsewhere in the building, she was having technical problems. So I asked for the CEOs address and contacts and this was refused. I found it myself. So I wrote to the CEO David Hynam's office at LV in Bournemouth about why everything was taking so long and was so stressful. Why were they doing this to a distressed and grieving widow? I am a journalist and PRO. This behaviour is terrible for their reputation. I have alerted my contacts to what I personally have experienced. It feels to me now like the Ombudsman will need to be involved as well as raising it with the Parliamentary DBT committee and the press - for LV is a business after all whose reputation is based on serving bereaved customers well in a competitive market. They don't seem to care at all about bereavement, the very business that is at their core. Of course I do have two policies on my own life with them if I recall as well as car insurance with LV but that makes no difference to the disdain with which I have been treated. Its downright cruel actually.

Good Value for money

Procedures were followed accurately and effeciently,very satisfied with the service. It’s what is needed when an incident has occurred.

Woeful customer service until I complained

Swift, efficient response

Easy to fill in the questionnaire particularly you asking if I had a dash cam which I have both front and rear. I find that this is not asked by most insurance providers. The price was very good and that always makes me very happy. Keep up the good work yours mr D Hodge

Easy to complete, affordable prices

Disappointing Not Renewing Motorhome Insurance - The Underwriters have decided not to allow new or renewal of motorhome insurance. They are stating that"if it is anything that isn't built as a standard camper/motorhome. If it is built based on a chassis and then converted or changed we aren't insuring these". I am totally confused. I'm not certain the Underwriters know the difference between a panelvan conversion and a motorhome company that produces the base vehicle into a motorhome. I hope this can be passed on to the Underwriting Department for someone to research this properly and change their stance. LV will be loosing out on hundred of thousands of pounds from customers, not only having to move their motorhome insurance to different companies, but loosing customers who have a car(s) to insure too. Can I add, the 2 online webchat representatives I dealt with were excellent.

I highly recommend this company because they are very professional people working in it and it is a very good company 👌

Very easy and value for money in all respects to get insured.

Lv are a great insurance company we have had car insurance through them for years we have had to make a couple of claims which they dealt with without any problems I would and have recommended them to friends and family ⭐️⭐️⭐️⭐️⭐️