A car insurance excess is the amount that 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 that 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.
Need to make a windscreen claim? Visit our windscreen claim page for more information.
How do I find out how much my excess is?
To find out how much your car insurance excess is, have a look at your policy documents for more information.
If you can't find your LV= insurance documents:
Just log in or register for an online account plus download the Alexa Skill or Google Action to make fact-finding easier.
Or
Call us on and we'll be happy to help:
If you bought your car insurance before 22/11/2022 then please call: 0330 678 5222
If you bought your car insurance on or after 22/11/2022 then please call: 0330 678 5111
Lines are open:
8am - 8pm Monday to Friday
9am - 5pm Saturday and Bank Holidays
10am - 4pm Sunday
Calls will be recorded. For Text Phone: dial 18001 first.