Optional Car Insurance extras
You can add the following optional car insurance extras to your LV= Car Insurance policy
The table below shows which optional car insurance extras are available with what type of car insurance cover .
Comprehensive | Third Party Fire and Theft | Third Party Only | |
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Protect or guarantee your Car Insurance No Claim Discount
You can protect or guarantee your No Claim Discount:
- If you protect it, your No Claim Discount entitlement will not be affected as long as no more than two car insurance claims have been made in the last five years.
- If you guarantee it, it will last for the life of your car insurance policy.
Motor Legal Expenses cover
We'll pay up to £100,000:
- For your reasonable legal costs to defend a motoring prosecution arising from an incident while you were using your car.
- To pursue a civil claim for the recovery of losses due to an accident involving your car including those which result in your death or injury.
European Car Insurance cover
Get extra car insurance cover for up to 180 days when travelling in EU Countries.
With our car insurance, you'll automatically be covered in Great Britain, Northern Ireland, the Republic of Ireland, the Isle of Man and the Channel Islands. This includes while your car is being transported within and between them. You also get the minimum compulsory insurance cover required to drive in the European Union.
However, this won't cover loss or damage to your car for comprehensive and third party fire and theft car insurance policyholders while travelling outside Great Britain, Northern Ireland, the Republic of Ireland, the Isle of Man and the Channel Islands. For all car insurance policyholders (including third party) the level of third party liability may not be as great as in the UK.
You can choose to extend this cover to give the full benefits when you're travelling in EU Countries for up to 180 days in a row, including when your car is being transported.
Courtesy car
A guaranteed courtesy car while your car is being repaired (by our selected repairer service).
Or for up to 14 days if:
- Your car is damaged beyond cost effective repair and cannot be driven
- Has been stolen and not recovered.
We'll insure the courtesy car; you'll only have to pay for the fuel (courtesy car is not available to third party only car insurance policyholders).
Increased personal accident cover up to £100,000
Personal accident covers you, your husband / wife or civil partner if they suffer an injury while travelling in, or getting in or out of any car.
- If the injury results in death, loss of sight or loss of limbs, our standard, comprehensive insurance will pay £10,000.
- For a small additional premium on your car insurance policy you can increase this cover to £100,000.
This is only available if you're taking out comprehensive car insurance cover.