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)
- Motorcycle insurance
- Caravan and trailer 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 15th 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 12th 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)
Motorcycle insurance
- 5 star rated by Defaqto for our Motorcycle insurance
- 180 days European cover
- Helmet and leathers cover
- Sidecar and motorbike accessories cover
Caravan and trailer insurance
- 5 star rated by Defaqto for Caravan and trailer insurance
- £2m liability cover to help with costs and expenses if claims are made against you
- Up to 180 days European cover