Recognition

5 Star ratings by Defaqto

Defaqto Star Ratings

It's fair to say we're very proud of our Defaqto 5 Star Ratings. 

And so far we've achieved the top level of 5 Stars for our:

  • Comprehensive car insurance
  • Home and Home Plus insurance
  • Travel insurance (Premier cover)
  • Pet insurance (10k Lifetime cover)
  • Breakdown cover (UK Recovery & Home Assist and UK & European Assist)
  • Landlord insurance

Who are Defaqto and why is a Defaqto Star Rating important?

Who are Defaqto?

Defaqto are a leading UK independent financial information business, 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 websites, regulatory agencies and consumers.

Why it's 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 has given our car insurance a 5 Star Rating – its highest level of rating - for the fourteenth year in a row
  • Five year guarantee on your car repairs when you use our recommended repairer service

Home insurance

  • Defaqto has given our home insurance a 5 Star Rating – its highest level of rating - for the eleventh year in a row
  • 24 hour UK emergency helpline

Home Plus insurance

  • Defaqto has given our home plus insurance a 5 Star Rating – its highest level of rating
  • Home Plus is a new product and has unlimited buildings cover and up to £150,000 contents cover

Travel insurance

  • 5 Star rated Premier policy, given a 5 Star Rating by Defaqto for being one of the most comprehensive insurance products on the market
  • Up to £10m cover for emergency medical expenses
  • Up to 10,000 cancellation cover e.g. if you get ill and can’t travel 

Pet insurance

  • £10k Lifetime cover - given a 5 Star by Defaqto for being one of the most comprehensive insurance products on the market
  • We can pay your vet directly
  • Cover from eight weeks old

Breakdown cover

  • 5 Star rated by Defaqto for our UK Recovery & Home Assist and UK & European Assist cover
  • Recovery to anywhere in the UK (UK Recovery & Home Assist)
  • Hire car, alternative transport or overnight accommodation included (UK Recovery & Home Assist)

Landlord cover

  • 5 Star rated by Defaqto for our Landlord cover
  • Up to £1 million buildings cover
  • £5 million property owners’ liability
  • Up to £50,000 loss of rent or alternative accommodation costs