How to make a Car Insurance claim with LV=

Making a Car Insurance claim is never pleasant, but at LV= we're here to help you ease the strain and get back on the road as quickly as possible.

Watch our films - 'Assessing your car damage' and 'Repairing your car'

Repairing your car

If you have an incident, our friendly claims team in our UK-based call centre are on-hand to offer assistance.

Claims Departments	Telephone Numbers	Opening Times
New Claim Report	0845 640 5640	24hrs, 7 days a week
Existing Claims	0845 640 5295	8am - 5.30pm Mon - Fri
Repair Team	0845 650 0625	8am - 8pm Mon - Fri 8am - 4pm Sat
Autoglass	0800 032 9075	24hrs, 7 days a week
Britannia Rescue	0800 028 2042 (UK) +44 1202 551502 (Europe)	24hrs, 7 days a week

Calls may be recorded for training and monitoring purposes.

Need to make a claim? Follow these simple steps:

Call as soon after the incident as possible within 24 hours
Give us as much information about the incident as you can
If possible, speak to us before you make any arrangements for replacement or repair
Don't forget to tell the police if your car is stolen
Immediately send to us all communications from other people involved

Without our consent, you must not:

negotiate or admit responsibility
make any offer, promise or payment

We are entitled to:

have total control to conduct, defend and settle any claim
take proceedings, in your name or in the name of any other person claiming under this insurance, at our own expense and for our own benefit to recover any payment we have made

Frequently asked claims questions:

What's my policy excess?

An excess is the first portion of a claim which the Insured is responsible to pay and is individual to each policy.

Do I have to pay the excess?

If your schedule shows that you have to pay an excess, you must pay this.

How do I claim my excess back?

We would look to recover the excess if it's a non-fault incident and we have the third party's details.

Do I have to pay the excess towards a Third Party claim?

No, you only need to pay the excess towards your own repairs.

How soon do I need to report an incident to the police?

Inform the Police as soon as possible and at least within 24 hours if your car or its contents are stolen and provide us with the crime reference number.

Does a windscreen claim affect my No Claims Discount?

No, it doesn't.

Can I hire my own vehicle?

Under the Temporary Replacement Vehicle cover LV= will provide a hire vehicle as long as you are using a selected repairer (this is an Optional Benefit, please refer to your policy schedule).

Am I entitled to a courtesy car?

Yes, if you have purchased this as an extra on your policy.

Can I use my own garage?

Yes, you can but we can't guarantee to provide a courtesy car if you don't use one of our selected repairers.

What does Motor Legal Expense cover?

We will 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 which results in your death or injury