Car insurance
Car insurance could be cheaper than you think. Prices from just £29910% of new customers paid £299 or less Apr ‘26 - Sept ’26
Your saved car quoteWhat's covered with LV= car insurance?
From theft to write-offs and even lost keys, you'll be covered with us. Here's what you'll like about our comprehensive cover.
- Windscreen repair and replacement
We’ll cover all the glass in your car under your windscreen cover. Plus, windscreen claims don't affect your no claim discount. - Earning No Claim Discount (NCD)
NCD is a discount on your car insurance as a reward for being claim free. You’ll earn a year of NCD for every year you don't make a claim. If you're in an accident that isn't your fault and we recover the cost from the liable driver's insurer, your NCD won't be affected. - Accidental damage cover
Scratched or dented your car? We pay for repairs so it's as good as it was before the accident - you'll just need to pay your excess. - 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. Find out what to do if your car has been vandalised. - New locks and keys
If your keys are lost or stolen. After all, accidents happen. Lost your car keys? Here's what to do. Excess applies.
Why choose LV= car insurance
You're in good company. Cover your car with us and join over 2 million people like you we're already looking after.
- We pay out on over 99% of claims (99.46% of direct motor claims paid June '25 - May '26).
- We'll get you back on the road in no time (customers scored us 8/10 for speed of repairs Jan - June '26).
- Uninsured driver promise - If the other driver is not insured and the accident isn't 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.
- 5% discount when you buy car insurance online (excludes optional extras).
- Lifetime guarantee on repairs when using our recommended repairer service, for as long as you own the vehicle. Labour only, excludes parts.
- Enjoy special offers, competitions and discounts with My Rewards.
Defaqto has given our car insurance a 5 Star Rating for the 21st year in a row - it's the highest rating they give.
LV= car insurance optional extras
Motor legal expenses
£25.99 per year
Add motor legal expenses cover to protect you from the potential costs of legal action if you're involved in a car accident.
You might need legal help to take action against a road user or defend against a motoring prosecution. This can be expensive, so we’ll cover you for up to £100,000 in legal expenses.
Add motor legal expenses cover to protect you from the potential costs of legal action if you're involved in a car accident.
You might need legal help to take action against a road user or defend against a motoring prosecution. This can be expensive, so we’ll cover you for up to £100,000 in legal expenses.
Guaranteed hire car
From £19.90
Our guaranteed hire car cover promises you use of a hire car if your car is being repaired by our recommended repairers, or has been stolen or written off.
The cheapest hire car we offer is £19.90 per year and you're guaranteed a small 3-door hatchback.
For £49.99 per year, you're guaranteed a medium-sized family car or a 7-seater.
Extended personal accident cover
£15 per year
If you, your partner or a named driver on the policy suffer a serious injury while travelling in, or getting in or out of your car, our comprehensive car insurance protects you with £10,000 personal accident cover.
For just £15 per year, you can increase this to £100,000 for each eligible person.
Breakdown cover
From £24 per year
Add breakdown cover to your car insurance from just £24 per year for each car.
Britannia Rescue has over 4,000 breakdown professionals across the UK to help keep you moving. With 5 cover levels to choose from, it’s easy to find the one that’s right for you.
Protected no claim discount
For each year you don’t claim on your car insurance, you earn a year's no claim discount (NCD) – up to 9 years. The more years you build up, the bigger the discount at renewal.
If you’ve earned four or more years NCD, you can add this optional extra to protect your discount for the life of your LV= policy.
Car insurance you can trust
Thanks to all our customers who have rated us ‘Excellent’ on Trustpilot!
What do our customers think of our car insurance?
Combine your car and home insurance on one policy
Combined insurance, umbrella insurance, car and home combined cover... whatever you call it, simply put it's having your car and home insurance in one place. Sound good? Great, we'll combine your car and home insurance on one easy-to-manage policy, so that's one less piece of paperwork.
Why choose LV= Multi Cover insurance?
Less time
Our simple quote process covers your home and up to 6 cars under one roof. It's more efficient, less time-consuming and easier to manage.
Less hassle
Get a quote for your home and cars, even if some of the cover isn’t needed until later in the year. The cover you don’t need straight away will be automatically included when you do.
To find out more about how it works, visit our LV= Multi Cover Insurance page.
More about LV= car insurance
Cover Levels
What are the different types of car insurance?
There are three main levels of car insurance cover, summarised as follows:
Third party only
Third party cover is the minimum level required by law and normally the cheapest cover available. It only covers you for damaging someone else's car (or property) or injuring another person (a 'third party') in an accident. It won’t cover any injuries to you or damage to your car.
What does Third party only cover?
• Damage to other people's property
• Injury to others
Third party, fire and theft
As well as covering third party claims, this cover level protects your car from damage caused by fire, theft and attempted theft. It still doesn't cover you for an injury or damage to your car if you cause an accident.
What does Third party, fire and theft cover?
• Everything in third party only, plus...
• Damage to your car from fire, theft or attempted theft
Comprehensive coverage
With comprehensive car insurance, you're covered for damage to your own car as well as the others involved in a claim, so you're not left with the full cost of repairing or replacing your car after an accident. It includes third party, fire and theft cover as well as a number of additional benefits.
What does Comprehensive car insurance cover?
• Everything in third party, fire and theft, plus...
• Repair or replacement of your car after an accident
• Repair or replacement after damage due to vandalism
• Windscreen damage
Find out more in our complete guide to comprehensive car insurance
How do I get an LV= car insurance quote?
Step 1
Before you get a quote, make sure you have your personal details, claims history and car details to hand.
To see exactly what you’ll need, here’s everything you need to get a car insurance quote.
Step 2
To make sure we can insure you, we’ll need to confirm you’re a UK resident and legally entitled to drive.
Take a look at all of our car insurance products...
Electric car insurance
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).
Multi car insurance
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.
Car insurance FAQs
What factors affect my car insurance price?
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.
- 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.
How much is car insurance
We're all worried about the cost of living so make sure you're only paying for the cover you need. Read our 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.
To find out more about these factors, read our guide to how we work out the cost of car insurance.
Now sit back, relax and start your quote
Looking for something else? Perhaps these links can help
We’re planning some changes to our business structure.
Please be aware, we plan to transfer the insurance business of Liverpool Victoria Insurance Company Limited ("LVIC") to Allianz Insurance plc. From 1 January 2027 this policy will be underwritten by Allianz Insurance plc instead of LVIC. Both companies are part of the Allianz UK group. These changes won’t otherwise affect your cover or policy (e.g. car, home, travel), how we support you, or the service you continue to receive. You can find out more information about the transfer at www.allianz.co.uk/transfer.