We use cookies to give you the best possible experience online. By continuing to use our website, you agree to receiving our cookies on your web browser. Visit our cookie policy page to find out more and how to change your cookie settings.

skip to main content


Our 5 Star awards from Defaqto

Defaqto Star Ratings

At LV= we're proud of our Defaqto 5 Star Ratings. So far we've achieved the top level of 5 Stars for our comprehensive car insurance, home insurance, travel insurance (Premier cover) and breakdown cover (UK Recovery & Home Assist and UK & European Assist).

Defaqto 5 Star Award for car, home, travel and pet insurance

Who are Defaqto?

Defaqto are a leading UK independent financial research company, specialising in rating, comparing and analysing financial products. Defaqto delivers timely and accurate information to all layers of the financial services sector including banks, insurers, advisers, comparison web sites, regulatory agencies and consumers.

Why is a Defaqto Star Rating important?

Choosing on the basis of price alone means you may get a policy that suits your pocket but doesn't necessarily give you the features and benefits, cover and customer assistance you want. A Defaqto Star Rating reflects the level of features and benefits offered within a financial product, helping you make a more informed decision about which one best suits your needs.

How is a Defaqto Star Rating achieved?

The more comprehensive the level of features and benefits offered by a product, the higher the Defaqto Star Rating it is given.

If you compare two policies, the 5 Star rated policy will generally offer more features and benefits of a higher quality than a 4 Star rated one.

The Star Ratings that we achieved reflect the outstanding quality of our policies and gives you confidence that LV= products offer the highest level of cover for all events.

You can only achieve a 5 Star Rating if you provide some of the highest quality cover in the market.

Car insurance

Defaqto 2015 - 5 Star car insurance
  • Our comprehensive car insurance offers excellent levels of cover
  • Defaqto have awarded our car insurance a 5 Star Rating for the eleventh year in a row
  • Five year guarantee on repairs

Home insurance

Defaqto 2015 - 5 Star home insurance
  • Our home insurance offers an excellent range of cover
  • Defaqto have awarded our home insurance a 5 Star Rating for the eighth year in a row
  • 24 hour UK emergency helpline

Travel insurance

Defaqto 2015 5 Star travel insurance
  • Our premier travel insurance has been rated 5 Stars
  • Up to £10m cover for emergency medical expenses
  • £5,000 cancellation cover for illness

Breakdown cover

Defaqto 2015 5 Star breakdown cover
  • Our UK Recovery & Home Assist and our UK & European Assist have both been awarded 5 Stars
  • Recovery to anywhere in the UK
  • Hire car, alternative transport or overnight accommodation included

LV=, County Gates, Bournemouth, BH1 2NF, UK