Car cover excess explained
A car insurance excess is the amount you have to pay yourself if you make a claim.
There are two types of excess:
- Compulsory excess - this is a fixed excess, set by us, which you'll have to pay if you make a claim. The amount varies depending on your circumstances.
- Voluntary excess - this is the amount you agree to pay, in addition to your compulsory excess, if you make a claim. People agree to a voluntary excess in return for a lower premium.
Here's an example to explain how it works:
Let's say your policy has a £250 excess.
You have an accident and you make a claim.
The bill to repair the damage comes to £1,000.
You pay your £250 excess towards the bill.
We cover the balance of £750 to settle the bill.
Everyone's excess is different, so to find out how much you might have to pay if you had to make a claim, please check your policy documents for more information.
If you don't use an LV= recommended repairer for your repairs you'll need to pay an additional £200 excess and we can't offer a courtesy car (if you have this cover) or warranty on the repairs.
To find out how much your car insurance excess is, have a look at your policy documents for more information.
Call us and we'll be happy to help:
- If you bought your car insurance before 22/11/2022 please call: 0330 678 5222
- If you bought your car insurance on or after 22/11/2022 please call: 0330 678 5111
Lines are open:
Monday to Friday 8am - 8pm
Saturday and Bank Holidays 9am - 5pm
Sunday 10am - 4pm
Calls will be recorded.
For Text Phone: dial 18001 first.
Yes, LV= car insurance covers all glass in your car under windscreen cover. You can find your windscreen excess in your policy documents. If you don't use one of our recommended repairers, you'll need to pay an additional excess if your glass needs to be replaced.
Need to make a windscreen claim? Visit our windscreen claim page.
Paying an excess or claiming back
We know it can be frustrating when waiting to get your excess back following an accident that wasn't your fault.
If you’d like to talk to someone about recovering your excess, please call us on 0330 678 5588.
Lines are open:
Monday to Friday 8:30am - 5:30pm.