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Car insurance

5 Star rated cover
from the UK's Most Recommended Insurer

Three lovely reasons to choose LV= for car insurance

  • Which? Recommended Provider for car insurance. Cover starts from just £199 - 10% of new customers paid £199 or less (May-Jul ’16)
  • Multi-car discount when you insure two or more cars
  • 5-year guarantee on car repairs when you use our recommended repairer

Over a thousand people a day choose us (based on 534,083 new policies taken out between 1 September 2015 and 31 August 2016).
No wonder we're the UK's Most Recommended Insurer (YouGov BrandIndex Jun '15-May '16).

Or call our UK call centre on

0800 023 2638

Existing customer contact details

8am - 9pm Monday to Friday
8am - 5pm Saturday
9am - 5pm Sunday and bank holidays
Calls may be recorded

You get all this with our 5 Star rated comprehensive car insurance

  • Accidental damage to your car
  • Uninsured driver promise - no loss of No Claim Discount and no excess to pay
  • Misfuelling cover if you accidentally fill your car with the wrong fuel
  • New locks and keys if your keys are lost or stolen
  • Unlimited cover for factory fitted phone, audio and sat nav equipment
  • A new-for-old car replacement if yours is less than 12 months old
  • £10,000 personal accident cover - if you or your partner are injured
  • Replacement child car seats
  • £200 cover for personal belongings in your car

We also offer cover for third party fire and theft. Just choose this when you get a quote. You'll also get an extra discount if you already have insurance with us.

Your car insurance price explained

We pride ourselves on offering quality cover that’s great value for money. To explain how your insurance premium is worked out, we’ve put together a short guide.

A car in the centre of circle with other circles including a speed camera, a raincloud, car parts and a gavel

More on our optional extras

What is motor legal expenses cover?
Also known as motor legal assistance, motor legal expenses covers you to help recover uninsured losses, such as compensation for personal injury or hire car costs while your car is being repaired. Motor legal expenses can also be used to defend a motoring prosecution arising from an incident while you were using your car.

You can add motor legal expenses to your LV= car insurance policy to get up to £100,000 in cover.

More on motor legal expenses
Guaranteed courtesy car
If your car has been in an accident, has been written off or has been stolen and not recovered, by using a recommended repairer they will try to supply a car for you to use.

However, if you take out a comprehensive or Third party fire & theft policy with us, by adding on this option, LV= can guarantee the use of a courtesy car whilst your vehicle is being repaired, or for up to 14 days if it has been stolen or written off, even if the recommended garage doesn't have a car for you to use.

More on Guaranteed courtesy car
Need to drive in Europe?
If you are driving in the EU (or countries that conform to the EU Motor Directive) you will automatically have minimum compulsory insurance. This means that you may not be covered if your car was damaged in an accident that was your fault or if your vehicle was stolen.

To be covered by the same level of cover you have in the UK (comprehensive or third party fire and theft), you can add Foreign Use Cover to your LV= car insurance policy for £19.90.

More on European car insurance cover
Do you want to increase your personal accident cover?
Our comprehensive car insurance automatically covers you for £10,000 of personal accident cover, covering you or your partner if you suffer a serious injury while travelling in, or getting into or out of your car.

You can increase your personal accident cover on your LV= policy up to £100,000 for £19.90 for further peace of mind.

More on £100,000 personal accident cover
Have you got Breakdown Cover?
You can add on breakdown cover to your car insurance policy from just £26 per year. Provided by LV= Britannia Rescue, you'll have access to over 3,000 breakdown professionals across the UK to keep you moving.

More on breakdown cover
Did you know you can protect your no claim discount?
A no claim discount, also known as no claim bonus, is a count of the number of consecutive years you haven't made a claim on your car insurance policy. For every year you're insured without making a claim, you will earn another years no claim discount (NCD).

If you make a claim on your policy, and we can't recover what we pay you from the fault party – your NCD can be reduced. However, if you have earned four or more years NCD, you can choose to protect it for the life of your LV= policy.

More on protecting your no claim discount

Buying LV= car insurance is quick and easy

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Renew your policy

You can renew your policy online or by calling us.

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Make a claim

Useful information about making a new claim or finding out about an existing one.

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Customer discounts

See how much you could save with exclusive customer discounts.

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Make changes

Change policy details like your name, address, car, optional extras or marketing preferences.

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Get new documents

Use our online form to request replacement copies of your policy documents.

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Broken down now?

Call LV= Britannia Rescue 24/7.
0800 028 2042 in the UK or
+44 (0)1202 555 372 in Europe.

Need Help?

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What our customers say

We love saving you money on other insurance too...

Great value home insurance

Quality, comprehensive cover, rated 5 Stars by Defaqto.

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10% online discount on travel insurance

Enjoy your holiday knowing we've got you covered.

More on travel insurance

10% online discount on pet insurance

Cover for your best friend: vet fees covered up to £10,000.

More on pet insurance

Benefit from our Multi-car discount

Add another car to your policy to get money off your total premium.

More on multi-car discount

LV=, County Gates, Bournemouth, BH1 2NF, UK