LV= uses cookies to give you the best experience online and to provide anonymised, aggregated site usage data. You can find out what cookies we use and how you can disable them in our Cookie Policy. By continuing to use our website, you agree to our use of cookies in accordance with our cookie policy unless you have disabled them.

skip to main content

Car insurance

5 Star rated cover
from the UK's Most Recommended Insurer

Retrieve a quote

Optional car insurance extras

Our UK car insurance isn't just about giving you great cover that helps you save money, it's about giving you flexibility so you can tailor the cover to suit you.

To include any of these options on your policy, add them as you go through your quote. For full details of all these options please see the car insurance policy document.

Motor legal expenses - £23.65

If things get legal after an accident caused by someone else, it’s good to know you’ve got up to £100,000 in cover to help you:

  • recover uninsured losses such as compensation for personal injury or hire car costs while your car is at the garage
  • defend a motoring prosecution arising from an accident while you were using your car

Any claim must have more than 50% chance of success to be considered.

You may already have legal cover as part of your GMB membership. Please check before you choose this cover.

Guaranteed hire car cover - £18.91 or £28.41

Adding guaranteed hire car cover to your insurance means we'll arrange a courtesy car for you while yours is being fixed by one of our recommended repairers.

For £18.91 per year, you're guaranteed a small hatchback hire car.

For £28.41 per year, you're guaranteed a similar sized hire car to your own. This could be a car with up to seven seats or have a maximum engine size of 2 litres.

  • Have use of a hire car for the whole time yours is in the garage
  • If your car is stolen or written off, you'll get a car for up to 21 days; or if we've paid your claim, for 4 days
  • There's no need to organise temporary insurance; we insure the hire car for comprehensive cover
  • All you need to pay for is your fuel

£100,000 personal accident cover - £18.91

Increased personal accident insurance pays out £100,000 if you, your partner or a named driver on the policy suffer a serious injury while travelling in, or getting into or out of your car.

  • Receive a lump sum payout of £100,000 for a serious injury (our standard comprehensive policy gives you £10,000 of cover)
  • Partners and named drivers on the policy are also covered

This cover also includes injuries like loss of sight or hearing - for full details of the injuries covered, please refer to the car insurance policy document

This extra cover is only available if you take out comprehensive insurance with us.

Breakdown cover - from £26

LV= Britannia Rescue breakdown cover is there for you whenever your car lets you down.

  • Access to over 3,000 breakdown professionals.
  • Average response time of 47 minutes*.
  • 4 out of 5 cars* fixed at the roadside to keep you moving.
  • A choice of five levels of cover, so you only pay for what you need.

Vehicles must be kept in a roadworthy condition and where appropriate, have an MOT certificate and road tax.

* Average response time of 46.88 mins. 87.56% of customers were able to complete their journey, based on 123,130 jobs from Agent Performance Review Report. Sept '17 - Feb '18

Compare our breakdown levels of cover

Roadside Assist

Roadside & Home Assist

UK Recovery

UK Recovery & Home Assist

UK & European Assist







Assistance more than 1/4 mile from home

Included Included Included Included Included

Local recovery up to 10 miles from breakdown

Included Included Included Included Included

Home assistance

Blank to show this isn't included

Recovery to anywhere in the UK

Blank to show this isn't included
Blank to show this isn't included Included Included Included

Hire car, alternative transport or overnight accommodation

Blank to show this isn't included Blank to show this isn't included Blank to show this isn't included Included Included

Cover in Europe

Blank to show this isn't included Blank to show this isn't included Blank to show this isn't included Blank to show this isn't included Included

Protect your no claim discount for life

If you have earned four or more years no claim discount (NCD), you can protect it for the life of your policy. This means that:

  • no matter how many claims you make you won't lose your NCD*
  • you’ll continue to benefit from your no claim discount year after year

* Your discount is protected, but your premium may still increase, for example following an accident or a claim.

Buying LV= car insurance is quick and easy

Want to call for a quote?
Call our UK-based call centre on:

0800 756 8043

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

More contact details

Calls may be recorded

You'll love our highly-rated cover...

Our car insurance has been rated 5 Star by Defaqto.

Defaqto 2018 - 5 Star car insurance

Looking for multi car insurance?

Insure more than one car with us and you could save even more on your car insurance.

Link to multi car insurance

More about multi car insurance

We love saving you money on other insurance too...

Classic car insurance

5% member discount compared to LV= general public prices

More about classic car insurance

Motorbike insurance

5% member discount compared to LV= general public prices

More about motorbike insurance

Caravan insurance

Save 10% if you have an existing LV= car or home insurance policy

More about caravan insurance