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

So, who are Defaqto?

Who are Defaqto?

Defaqto is an independent financial information and technology 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 20th 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 (as long as you have the other driver's details)
    • Misfuelling cover
    • Replacement keys if lost or stolen

    Home insurance

    Defaqto has given our Home and Home Plus products a 5 Star Rating – its highest level of rating - for the 17th 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

    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)