defaqto

5 star ratings for our General Insurance products by Defaqto
Defaqto star ratings

We're really proud of our Defaqto 5 Star ratings

So far, we've achieved 5 Star ratings for our:

  • Comprehensive car insurance
  • Home and Home Plus insurance
  • Travel insurance (Premier cover)
  • Pet insurance (10k Lifetime cover)
  • Breakdown cover (UK Recovery & Home Assist and UK & European Assist)
  • Motorcycle insurance
  • Caravan and trailer insurance

So, who are Defaqto?

Who are Defaqto?

Defaqto are a leading UK independent financial information business, specialising in rating, comparing and analysing financial products.

Defaqto delivers timely and accurate information to all layers of the financial services sector including banks, insurers, advisers, comparison websites, regulatory agencies and consumers.

Why it's important?

Choosing a policy based on its price means you may get a policy that suits your pocket but doesn't necessarily give you the features and benefits, cover and customer assistance you want.

A Defaqto Star Rating reflects the level of features and benefits offered within a financial product, helping you make a more informed decision about which product suits your needs.

How is a Defaqto Star Rating achieved?

The more comprehensive the level of features and benefits offered by a product, the higher the Defaqto Star Rating it is given.

If you compare two policies, the 5 Star rated policy will generally offer more features and benefits of a higher quality than a 4 Star rated one.
The Star Ratings that we achieved reflect the outstanding quality of our policies and gives you confidence that LV= products offer the highest level of cover for all events.

You can only achieve a 5 Star Rating if you provide some of the highest quality cover in the market.

Car insurance

Defaqto has given our car insurance a 5 Star rating, its highest level of rating – for the 16th year in a row

Our car insurance at a glance:

  • Lifetime guarantee on repairs (when using our recommended repairer service, for as long as you own the vehicle. Labour only, excludes parts)
  • Uninsured driver promise
  • Misfuelling cover
  • Replacement keys if lost or stolen

Home insurance

Defaqto has given our home insurance a 5 Star Rating – its highest level of rating - for the 13th year in a row

Our home insurance at a glance:

  • 24-hour UK emergency helpline, if you need help in a hurry
  • 12-month guarantee on all repairs when you use our recommended repairer service
  • Lock replacement

Home Plus

Defaqto has given our home plus insurance a 5 Star Rating – its highest level of rating

Our Home Plus insurance at a glance:

  • Unlimited buildings cover to rebuild your home 
  • £100,000 towards alternative accommodation if repairs to your home following a claim mean you can’t stay there
  • Up to £150k contents cover 

Travel insurance

5 Star rated Premier policy, given by Defaqto for being one of the most comprehensive insurance products on the market

Our Premier policy at a glance:

  • Cover for delays and cancellations after 24 hours caused by, for example, bad weather, ash clouds or strikes – the things we can’t control
  • Up to £1,000 if you miss your pre-booked transport
  • £10,000 cancellation cover

Pet insurance

5 Star rated £10k Lifetime cover - given by Defaqto for being one of the most comprehensive insurance products on the market

Our Lifetime cover at a glance:

  • We can pay your vet directly
  • Cover from eight weeks old
  • Third party liability cover

Breakdown cover

5 Star rated by Defaqto for our UK Recovery & Home Assist and UK & European Assist cover

Our UK Recovery & Home Assist and UK & European Assist cover at a glance: 

  • Recovery to anywhere in the UK (UK Recovery & Home Assist)
  • Hire car, alternative transport or overnight accommodation included (UK Recovery & Home Assist)

Motorbike insurance

5 Star rated by Defaqto for our Motorbike insurance

Our Motorbike insurance at a glance: 

  • 180 days European cover
  • Helmet and leathers cover
  • Sidecar and motorbike accessories cover

Caravan and trailer insurance

5 Star rated by Defaqto for Caravan and trailer insurance

Our caravan and trailer insurance at a glance:

  • £2m liability cover to help with costs and expenses if claims are made against you
  • Up to 180 days European cover