More about LV= car insurance
Take a look at all of our car insurance products...
Going green? Great! On top of the usual stuff, we’ll cover you for charging cables, wall boxes, batteries and adaptors. Plus, if you run out of juice, we’ll get you to the nearest UK charging point (no worries, this won’t affect your NCD).
Got a few cars on the drive? No problem, you can cover up to 6 cars and 12 drivers on one policy. One policy doesn’t mean one size fits all though, you can tailor the cover levels, extras and start dates for each of your cars. This is the cheapest way to cover multiple cars with us.
Frequently Asked Questions
What info do I need to get a car insurance quote?
For a quicker car insurance quote, make sure you've got all of this to hand:
- Driver details – personal details like your date of birth address and occupation for you and any named drivers. Your driving licence information, such as licence number, type and details of any endorsements you have.
- Claims history – details of any claims or accidents, including dates for you and any named drivers and the number of no claim discount (NCD) years you have.
- Car details – information about your car such as the engine size, estimated mileage and where it’s kept overnight.
- Eligibility – to make sure we can insure you, we’ll need to know if you are a UK resident and legally entitled to drive.
At LV=, we want to help you to find the right car insurance at the best price. Just because you may find it cheaper elsewhere, it may not necessarily provide you with everything you need.
For a complete list of what's needed and why, visit our guide to what you need to get a car insurance quote.
What factors can affect the price I pay for my car insurance?
Many factors can affect the price you pay for your car insurance. Remember, sometimes the cheapest car insurance may not offer the most comprehensive cover. Here’s what we take into account:
- Your age and how much experience you have behind the wheel. Because the more experienced you are as a driver, the less likely you are to claim.
- Any points you have on your licence from driving convictions will affect the price you pay. Be honest with your insurer from the start and you'll still be covered.
- The car you're looking to insure. Usually, more powerful, expensive or exotic cars will cost more to cover.
- Where you live. Areas with typically higher claims and crime rates will have a bearing on the cost of your car insurance.
- When and how far you drive your car. Because the more you drive, the more likely you are to be involved in an accident.
- Whether or not you've built up a no claim discount (NCD). The more NCD you have, the better your price is likely to be.
- Changes in legislation or regulations. Some legislation means insurers now have to pay out bigger lump sums for personal injury claims.
- The rising costs of parts and labour. This has a knock-on effect on the price of your insurance premium.
- The rising cost of claims. More sophisticated cars are usually more expensive to repair.
We're all worried about the cost of living so make sure you're only paying for the cover you need. Read our 7 top tips for buying cheaper car insurance.
Do you know about car insurance groups?
There are 50 car insurance groups with a ranking system to help insurers work out premiums. The less likely a car is to be damaged and the cheaper the cost of repair, the lower the insurance group it will be in, whilst fast accelerating, high performance cars are usually in the higher insurance groups. It’s not that simple though, so check out our article on car insurance groups and how we use them.
If you're looking for a new car that's cheaper to insure, check out our article on the cheapest cars to insure in 2022.