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• Any drivers who aren't named on the policy
• Damage to any car you're driving that's not the car you've insured with us 
• If the car's stolen when the keys were left in the car, the engine was running or it was left unlocked
• Mechanical or electrical breakdown
• Any vehicle that's already been classified as a Category A or Category B write-off

Read our most common examples of what's not covered in our claims considerations guide

Check out our range of optional extras

Motor legal expenses

£25.99 per year

For £25.99 per year, motor legal expenses cover protects 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 defending against a motoring prosecution. This can be expensive so we’ll cover you for up to £100,000 in legal expenses.

You can use motor legal expenses cover to help you recover any uninsured losses, like personal injury compensation, loss of earnings or hire car costs while your vehicle is being fixed. Find out more about Motor Legal Expenses.

Guaranteed hire car if yours is off the road

£19.90 per year

Our guaranteed hire car cover promises you use of a hire car if your own car is being repaired by our recommended repairer service, 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 hire car.

For £29.90 per year, you're guaranteed a medium family sized car with 5 doors or a 7-seater. Find out more about Guaranteed Hire Car.

Extended personal accident cover

£100,000 personal accident cover

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 £19.90 per year, you can increase your personal accident cover to £100,000 (per eligible person). You'll also benefit from an additional cash payment if you, your partner or a named driver are admitted to hospital as a result of an accident in the car. Find out more about Extended Personal Accident Cover.

Breakdown cover

From £26 per year

You can add breakdown cover to your car insurance from just £26 per year for each car.

LV= Britannia Rescue gives you access to over 4,000 breakdown professionals across the UK who will help to keep you moving. There are five levels of cover to choose from Roadside Assist to UK and European Assist. Find out more about Breakdown Cover.

Protected no claim discount (NCD)

You earn a year of no claim discount (or no claim bonus) for every year you don’t claim on your car insurance. The more years of NCD you’ve built up, the bigger the discount on your car insurance when you renew. With LV= you can earn up to a maximum of 9 years NCD.

If you have to make a claim on your policy, and we can't recover our costs from the person or people who are at fault, your NCD may be reduced.

If you’ve earned four or more years NCD, you can add this optional extra to protect your NCD for the life of your LV= policy. Find out more about Protected No Claims.

Our policy documents

• Our terms and conditions (PDF, 307KB)
• Cover and limits (PDF, 275KB)
• Car insurance product information document (PDF, 127KB)
• Motor legal expenses (PDF, 120KB)
• LV= Breakdown policy document (PDF, 304KB)
• How we use your personal information