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A white car with LV= hearts floating round it
Green hills and car lights on a winding road at night

car insurance

Car insurance that performs beautifully 

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Why choose LV=?

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

  • 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!
  • 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

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

  • Our cheapest way to insure more than one car
  • 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
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 their details of the other vehicle and driver.
  • To save time, you can now add up to 6 classic cars on one policy
     
Award rosette
Our awards AND RECOGNITION

We're always in top gear when it comes to car cover

  • Which? Recommended Provider for car insurance
  • Given the prestigious Defaqto 5 Star Rating 
  • Proud to be the UK's most recommended insurer
  • Our customer service is truly award winning
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