Car insurance

Car insurance that performs beautifully

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As a Affinity club member, we'll treat you to discounted LV= Car Insurance

Existing car customers

Need to make a claim, change or renew your policy?

Why choose LV=?

Because there's plenty to smile about from the very start :-)

5% discount when you buy car insurance online (excludes optional extras)
Friendly call centres - there if you need to make a claim day or night, 24/7
Lifetime guarantee on repairs (when using our recommended repairer service, for as long as you own the vehicle. Labour only, excludes parts)

what's covered?

From theft to write-offs and even lost keys, you'll be covered with us

So here's what you need to know about our comprehensive cover

Accidental damage cover
Scratched or dented your car? We pay for repairs so it’s good as it was before the accident.
Uninsured driver promise
If the other driver is not insured and the accident is not your fault, you keep your no claim discount and there's no excess to pay - as long as you have the details of the other vehicle and driver.
Misfuelling cover
Accidentally added the wrong fuel? We'll pay to fix the damage to your engine and drain and flush the tank. You'll just need to pay your excess.

European cover
Get covered in the EU for up to 180 days a year at the same level as your UK cover. Perfecto! Find out more about driving in the EU
Vandalism promise
If your car is vandalised and you have to claim, you'll keep your no claim discount - you'll just need to pay your excess.
Replacement child car seats
We’ll replace your child car seats if your car has been in an accident – even if there’s no apparent damage
New locks and keys
If your keys are lost or stolen. After all, accidents happen.

What's not covered...

Any drivers who aren't named on the policy
Damage to a car you're driving that's not the car you're insuring
If the car's stolen when the keys were left in the ignition, the engine was running or it was left unlocked
Mechanical or electrical breakdown

Optional extras

Have we left you wanting more? Here's what you can add to your policy

Multi car insurance

Got another set of wheels? Perhaps you need our multi car cover

Cover up to 6 cars and 12 drivers with Multi-car
Schedule different start dates or add them in later
Choose the cover levels and specific optional extras you'd like for each car

Frequently Asked Questions

Can I add someone to an existing car insurance policy?

Yes you can, as long as the car is insured by LV=. In many instances you may decide that adding a friend or relative permanently onto your policy is the best option. However, temporarily adding a driver or vehicle to your LV= car insurance policy may be a preferred option for the temporary use of your vehicle or for adding a driver onto your policy short term. Just so you know we charge a £15 admin fee each time you change your vehicle, add or remove a driver or remove a car from your Multi Car insurance.

If you want to add another driver to your existing policy, you can call us:

0330 678 5111

To add a new driver, we need to know their:

Full name

Date of birth

Main occupation

Driving licence number or Licence type (Full, Provisional), the year they got it and whether it's a UK, EU or another type of licence

Motoring convictions in the last 5 years - conviction month and year, offence code, disqualification period

Accidents or claims in the last 5 years - month and year of claim, claim type i.e. fault, partial fault, non-fault etc

It is important to remember that we reserve the right to cancel your policy should too many alterations be made throughout the life of your policy.

You need to be clear with your insurer about who drives the car the most often. You cannot state that someone else is the main driver if you’re driving the car on more occasions than them, as this is called ‘fronting’. Whoever is driving the car the most often is the ‘main driver’, with any other drivers being ‘named drivers.’ If you’re not honest about this, it’s considered fraud.

Lines open:

8am - 8pm Monday to Friday
9am - 5pm Saturday and Bank Holidays
10am - 4pm Sunday

Calls will be recorded. For Text Phone: dial 18001 first.

I've sold my car and it's still insured by you. How do I cancel my car insurance policy?

To cancel your car insurance policy, give us a call:

0330 678 5111

If you have a multi car policy, call us and we can remove the car, without you having to cancel the whole policy.

If you've not made a claim, we'll refund any money you've paid, less a charge for the cover you've had, and a cancellation charge of £40. After the initial 14 day 'cooling off' period, If you've made a claim, you won't get a refund.

Lines are open:

8am - 8pm Monday to Friday
9am - 5pm Saturday and Bank Holidays
10am - 4pm Sunday

Calls will be recorded. For Text Phone: dial 18001 first.

Will I need a Green Card or any other documents to travel in the EU?

As of 2 August 2021, you no longer need a green card to drive your car in most EU countries. If you are travelling to some countries, like Albania, Morocco and Turkey, they require them as standard.

If you're towing, you may still need to carry one for your caravan or trailer. Before you travel, check out our information on green cards and driving to the EU.

You may need to display a country of origin sticker on your car. You might also need an international driving permit (IDP) to drive in some EU countries and Norway if you have either:

• A paper driving licence

•A licence issued in Gibraltar, Guernsey, Jersey or the Isle of Man

Check online to see if you need an international driving permit (IDP) or ask at your local Post Office.

If you have European cover (shown as ‘Foreign Use’ on your policy schedule), you’re all set to go with cover for up to 180 days.

It’s a good idea to take your car insurance policy documents and your vehicle log book (V5C) with you if you travel to the EU. Having your Certificate of Insurance and other documents, including any lease documents if you lease your car may help if you experience any problems while driving abroad.

There are a few more things to do before visiting the EU, like checking your passport and any travel advice for the countries you’ll be driving in.

Bon voyage!

Can I insure two cars at the same time?

Yes, there are two ways to do this. You can either take out a multi car insurance policy, or you can take out two separate car insurance policies.

If you need to add another vehicle to your policy temporarily, you'll need to call us for a quote on 0330 678 6545

Lines Open:

9am - 5pm Monday - Friday
Closed Saturday, Sunday and Bank Holidays

For Text Phone first dial 18001. Calls will be recorded.

Am I covered to drive other cars?

If it shows cover for Driving Other Cars on your policy documents, we'll cover you so you're legally allowed to drive someone else's privately owned car, even if you aren't named on their insurance. This type of cover is referred to as Third Party Only.

This means if you're involved in an accident that's your fault, our policy will cover any damage you may cause to a third party or their property, but we won't cover the car you're driving at all. The owner won't be able to claim for the damage you caused to their car under their own policy either, as you're not named on their insurance.

Whether you’re covered or not, by law the owner still needs to make sure they’ve insured the car to avoid any issues with the police.

As the cover is minimal it's only meant to be used on rare occasions or in emergencies, if you'll be driving someone else’s car on a regular basis, you should get yourself added to their insurance.

If you can't find your LV= insurance documents:

Just log in or register for an online account.

I am pregnant or I've just had surgery/operation/caesarean - am I still covered to drive?

How do I request proof of my no claim discount (NCD)?

Am I covered if I put the wrong fuel in?

Damage caused by using wrong fuel – if you’ve accidentally started your car after using the wrong fuel, we’ll pay to fix the resulting damage to the engine and drain & flush the fuel tank. You’ll just have to pay your excess. We’ll agree with you how best to arrange repair - if you’ve already made arrangements we’ll only consider payment if you provide us with receipts for the work.

To make a claim for misfuelling, please call us on 0330 678 5550 - we'll be happy to help. Lines open 24/7 (Calls will be recorded). For Text Phone first dial 18001.

How can I get the maximum no claim discount?

Our awards and recognition

We're always in top gear when it comes to car cover

Given the prestigious Defaqto 5 Star Rating

Policy documents

A little extra info never hurt anyone, have a read of our policy documents for new customers

You can get these and other documents from us in braille, large print or audio format by sending us an email at [email protected]. Visit our accessibility page for more options.

Now sit back, relax and start your quote

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