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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:

Defaqto 5 Star for LV= car, home, travel, pet insurance and breakdown cover

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 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 2018 - 5 Star 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 2018 - 5 Star 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

Travel insurance

Defaqto 2018 - 5 Star travel insurance
  • Our premier travel insurance has been rated 5 Stars
  • Up to £10m cover for emergency medical expenses
  • Up to 10,000 cancellation cover for illness

Pet insurance

Defaqto 2018 - 5 Star pet insurance
  • Our 10k lifetime pet insurance policy has been rated 5 Stars
  • We can pay your vet directly
  • Cover from eight weeks old

Breakdown cover

Defaqto 2018 - 5 Star motor breakdown cover
  • Our UK Recovery & Home Assist and our UK & European Assist have both been given 5 Stars
  • Recovery to anywhere in the UK (UK Recovery & Home Assist)
  • Hire car, alternative transport or overnight accommodation included (UK Recovery & Home Assist)