Insurance FAQs

Do you cover modifications/changes to standard specifications?

Yes, with LV= car insurance we can insure some cars that have had changes or modifications to their standard specifications. The easiest way to find out if we can cover your vehicle is to get a quote.

Let us know what changes have been made to your car by answering 'Yes' to this question: "Has your car been changed in any way from the manufacturer's standard specification?". You'll be given a list of changes to choose from, including things like engine remapping, body work changes and additional security features.

Do I have to let you know if I have a towbar fitted?

Yes, with LV= car insurance we can insure some cars that have had changes or modifications to their standard specifications, including towbars. The easiest way to find out if we can cover your vehicle is to get a quote.

Let us know what changes have been made to your car by answering 'Yes' to this question: "Has your car been changed in any way from the manufacturer's standard specification?". You'll be given a list of changes to choose from, including things like towbars, body work changes and additional security features.

If you're already insured with us and you've had a towbar fitted, please call us on 0800 085 5663 to let us know.

Do I have to tell you about a sticker on my car?

If you have a sticker on your window – for example, a ‘baby on board’ sign –  you don’t need to let us know.  If there are any changes to the paintwork or decals on the car, then you’ll need to let us know.

If you’re filling out the quote form, just select ‘paintwork’ under the question about changes to your car's standard specification. If you’re already insured with us and have a question about paintwork or stickers, give us a call on 0800 202 8463.

Lines open:

Mon to Fri 8am - 8pm

Sat and bank holidays 9am - 5pm

Sun 10am - 4pm

For Text Phone first dial 18001. Calls will be recorded.

All content is approved by our in-house advisory board of experts.