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Car insurance

Are you getting the right cover?

5 Star cover that costs less

How LV= car insurance compares

While comparison websites may highlight the cheapest quotes - most don't go into detail about the level of cover you're getting. At a glance, you can see here how LV= car insurance compares against our competitors. You might be surprised to find our comprehensive car insurance offers more cover and could be cheaper than you thought.



Direct Line

(Single car)


More Than

Aviva (Standard cover)

Replacement keys if lost

Included Included Included Not included Included

Which? Recommended Insurer

Included Included Not included Not included Not included Not included


Included Not included Not included Not included Not included Not included

Uninsured driver promise

Included Included Not included Included Included Included

Based on standard comprehensive car insurance (January 2017) for new customers only, excluding optional extras, multi-car products, Direct Line Plus, and any higher levels of cover above the standard.

We're a Which? Recommended Provider of car insurance

  • Buy car insurance from just £209 - 10% of new customers paid £209 or less (Dec '16-Feb '17)
  • You get a discount if you buy your cover online and an extra discount if you already have insurance with us
  • Get a new online quote in just a few clicks
  • Customers rated us number 1 for our quick and efficient claims process in a 2016 Which? survey

Or call our UK call centre on

0800 023 2638

Existing customer contact details

8am - 8pm Monday to Friday
9am - 5pm Saturday and bank holidays
10am - 4pm Sunday

Calls may be recorded

Some of the benefits of choosing our 5 Star rated comprehensive car insurance include:

Our awards and recognition

Which? Recommended

Which? Recommended Provider for car insurance

Defaqto 2017 - 5 Star car insurance


Defaqto have awarded our car insurance a 5 Star Rating

Find out what our customers are saying


Proud to be the UK's most recommended insurer

More on our optional extras

What is motor legal expenses cover?
For £24.90 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 defend yourself against accusations made by another driver. This can be expensive so it’s reassuring to have £100,000 cover.

You can also use motor legal expenses cover to help you recover any uninsured losses, like personal injury compensation, loss of earnings or hire car costs while yours is being fixed.

More on motor legal expenses
Guaranteed courtesy car
This optional extra guarantees use of a courtesy car if your own car needs repair, or has been stolen or written off.

This cover costs £19.90 per year and is only available if you choose our comprehensive or third party, fire and theft cover.

More on Guaranteed courtesy car
Need to drive in Europe?
If you are driving in the EU (or countries that conform to the EU Motor Directive) you automatically have the minimum compulsory insurance you need. But this basic level of cover means you may not be insured if your car is damaged in an accident that’s not your fault or if your car’s stolen.

For the same level of cover you have in the UK (comprehensive or third party, fire and theft), you can add European cover to your LV= car insurance for £19.90.

More on European car insurance cover
Do you want to increase your personal accident cover?
You have £10,000 of personal accident cover with our comprehensive car insurance. This will protect you or your partner if you suffer a serious injury while travelling in, or getting into or out of your car.

Increase your personal accident cover to £100,000 for just £19.90 a year.

More on £100,000 personal accident cover
Have you got Breakdown Cover?
Add breakdown cover to your car insurance from just £26 per year.

LV= Britannia Rescue gives you access to over 3,000 breakdown professionals across the UK, to keep you moving. There are five levels of cover to choose from, from basic roadside assistance to UK and European recovery.

More on breakdown cover
Did you know you can protect your 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.

If you have to make a claim on your policy, and we can't recover what we pay you from the faulty party, your NCD may be reduced.

But if you’ve earned four or more years NCD, add this optional extra to protect your NCD for the life of your LV= policy.

More on protecting your no claim discount

Buying LV= car insurance is quick and easy

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Renew your policy

You can renew your policy online or by calling us.

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Make a claim

Useful information about making a new claim or finding out about an existing one.

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Customer discounts

See how much you could save with exclusive customer discounts.

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Make changes

Change policy details like your name, address, car, optional extras or marketing preferences.

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Get new documents

Use our online form to request replacement copies of your policy documents.

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Broken down now?

Call LV= Britannia Rescue 24/7.
0800 028 2042 in the UK or
+44 (0)1202 555 372 in Europe.

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