Car insurance

We're Which? Insurance Provider of the Year 2019. Join us and see why

We pay out on 98% of claims (98.88% of direct motor claims paid between 1 Dec ’18 and 31 Dec ‘19)

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Here's how we're dealing with coronavirus (COVID-19)

Due to coronavirus (COVID-19) our car and home call centres are closed for new sales. You can still get a quote online and we’re open for existing customers. To best support our employees, we've temporarily changed our opening hours. So, to find out when you can contact us, visit our coronavirus hub. Updated 03/04/2020.

Why choose LV= car insurance?

Because there's plenty to smile about from the very start :-)

What's covered? 

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 

My husband had to make a claim on his LV car insurance and the process with LV was smooth and efficient and friendly, which is so re-assuring at a stressful time.
  • Accidental damage cover
    Scratched or dented your car? We pay for repairs so it's as good as it was before the accident 
  • Uninsured driver promise
    If the other driver is not insured and the accident’s not 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
  • Misfuelling cover
    Accidentally filled your car with the wrong fuel? It happens. We pay to drain and flush your fuel tank, as well as cover the damage to the car's engine
  • European cover
    Get the same level of cover as you have in the UK in the EU for up to 180 days a year. Perfecto! Need a Green Card? To apply, fill in this application
  • 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
  • Replacement child car seats
    We’ll replace your child car seats if your car has been in an accident – even if there’s no apparent damage
  • New locks and keys 
    If your keys are lost or stolen. After all, accidents happen

 

What's not covered...

  • Any drivers who aren't named on the policy
  • Damage to a car you're driving that's not the car you're insuring 
  • 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

My husband had to make a claim on his LV car insurance and the process with LV was smooth and efficient and friendly, which is so re-assuring at a stressful time.

Car insurance optional extras

How about a little more peace of mind? Check out our range of optional extras

Multi car insurance

Got a second set of wheels? Or maybe more? Our multi car insurance could be just the ticket

  • Cover up to 6 cars and 12 drivers
  • Schedule different start dates, or add them in later when you need to
  • Choose the cover levels and specific optional extras you'd like for each car
Cover levels

What are the different car insurance cover levels?

There are three main levels of car insurance cover, summarised as follows:

Third party only 

This is the minimum cover level required by law. So, if you’re involved in an accident that was your fault, we’ll pay out for any damage or injury you cause to other people and their property. But it doesn’t include cover for damage to your car. 

Third party cover is only available for our existing customers.

Third party, fire and theft

In addition to the cover provided by a third party only policy, this cover level protects your car from damage caused by fire,theft and attempted theft and claims from a third party if you’re involved in an incident.

Comprehensive

Comprehensive is the highest level of car insurance cover. It includes third party, fire and theft, and also covers the cost of repair or replacement of your car if it’s involved in an accident or damaged on purpose. It includes additional cover benefits, such as windscreen damage, driving in Europe, and if you choose the option, a hire car to replace yours if it’s off the road due to being involved in an accident or damaged. 

Like to learn a little more? Head over to our complete guide to comprehensive car insurance.

What factors can affect the price I pay?

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.
  • 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.

 

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 lower 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.

To find out more about these factors, read our guide to how we work out the cost of car insurance or watch our video.

What info do I need to get a car insurance quote?

For a quicker quote, make sure you've got all of this to hand:

  1. 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.
  2. Claims history – details of any claims or accidents, including dates for you and any names drivers and the number of no claim discount (NCD) years you have.
  3. Car details – information about your car such as the engine size, estimated mileage and where it’s kept overnight.
  4. 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 quote.

Classic car insurance

Own a classic car? You lucky thing. You get all this with our classic car insurance...

  • Agreed value upfront; we'll pay what we've agreed your car's worth if it's written off.
  • £300 cover for loss or damage to belongings in your car, like clothes, your bag or mobile phone.
  • Uninsured driver promise. If the other driver's not insured and the accident’s not your fault, there's no excess to pay as long as you have the details of the other vehicle and driver.
  • To save time, you can now add up to 6 classic cars on one policy
     
We're always in top gear when it comes to car cover

Our awards and recognition

  • Which? Recommended Provider for car insurance 
  • Given the prestigious Defaqto 5 Star Rating 
  • Proud to be the UK's most recommended insurer
Policy documents

Learn more about the nuts and bolts of our cover – the policy documents are all here

You can get these and other documents from us in Braille, large print or audio by dropping us a line.

Now sit back, relax and start your quote