Multi Car Insurance

• Any drivers who aren't named on the policy
• Damage to any car you're driving that's not the car you've insured with us
• 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

Read our most common examples of what's not covered in our claims considerations guide

Check out our range of optional extras

Guaranteed hire car if yours is off the road

From £18.71 per year

Our guaranteed hire car cover promises you use of a hire car if your own car is being repaired by our recommended repairer service, or has been stolen or written off.

For £18.71 per year, you're guaranteed a small hatchback hire car.

For £46.99 per year, you're guaranteed a similar sized hire car to your own. This could be a car with up to seven seats and have a maximum engine size of 2 litres. Find out more.

This price includes your member discount

Extended personal accident cover

£100,000 personal accident cover

You have £10,000 of personal accident cover with our comprehensive car insurance which will protect you, your partner or a named driver on the policy if you or they suffer a serious injury while travelling in, or getting into or out of your car. £10,000 limit is a total for the policy period

For just £14.10 per year, you can increase your personal accident cover from £10,000 to £100,000 to protect you, your partner or a named driver on the policy if you or they suffer a serious injury while travelling in, or getting into or out of your car. In addition, you’ll benefit from cash payments for broken bones and hospitalisation, as well as help with recovery with physio and mental health sessions Find out more.

This price includes your member discount

Breakdown cover

From £35 per year

You can add breakdown cover to your car insurance from just £35 per year for each car.

Britannia Rescue gives you access to over 4,000 breakdown professionals across the UK who will help to keep you moving. There are 3 levels of cover to choose from Roadside Assist to UK and European Assist. Find out more.

Protected no claim discount

You earn a year of no claim discount (or no claim bonus) for every year you don’t claim on your car insurance. The more years of NCD you’ve built up, the bigger the discount on your car insurance when you renew.  With LV= you can earn up to a maximum of 9 years NCD. 

If you have to make a claim on your policy, and we can't recover our costs from the person or people who are at fault, your NCD may be reduced.

If you’ve earned four or more years NCD, you can add this optional extra to protect your NCD for the life of your LV= policy. Find out more.

Our policy documents

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. 

• Our terms and conditions (PDF, 303KB)
• Cover and limits (PDF, 269KB)
• Car insurance product information document (PDF, 304KB)
• Motor legal expenses (PDF, 130KB)
• Britannia Rescue breakdown policy document (PDF, 265KB)
• How we use your personal information