5 Star ratings by Defaqto

We’ve been recognised for our quality products and services

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 insurance
  • Travel insurance (Premier cover)
  • Breakdown cover (Comprehensive and Deluxe cover)
  • Caravan Insurance
  • Motorbike insurance 
  • Pet insurance (10k Lifetime 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 has given our car insurance a 5 Star Rating - its highest level of rating
  • Lifetime guarantee on repairs (when using our recommended repairer service, for as long as you own the vehicle. Labour only, excludes parts)

Home insurance

  • Defaqto has given our home insurance a 5 Star Rating - its highest level of rating
  • 24 hour UK emergency helpline

Travel insurance

  • Our premier travel insurance has been rated 5 Stars -it's highest level of rating 
  • Up to £10m cover for emergency medical expenses
  • Up to 10,000 cancellation cover for illness

Breakdown cover

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


Caravan insurance

  • Up to 180 days European cover

Motorbike insurance

  • Sidecar and motorbike accessories cover 

Pet insurance

Our 10K Lifetime pet insurance policy has been rated 5 stars - it's highest level of rating

  • We can pay your vet directly
  • Cover from eight weeks old
  • Third party liability cover