Car insurance

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What's covered?

Windscreen repair and replacement
We’ll cover all the glass in your car under your windscreen cover. Plus, windscreen claims don't affect your no claim discount.
Earning No Claim Discount (NCD)
NCD is a discount on your car insurance as a reward for being claim free. You’ll earn a year of NCD for every year you don't make a claim. If you're in an accident that isn't your fault and we recover the cost from the liable driver's insurer, your NCD won't be affected.
Accidental damage cover
Scratched or dented your car? We pay for repairs so it's as good as it was before the accident.
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. Find out what to do if your car has been vandalised.
New locks and keys
If your keys are lost or stolen. After all, accidents happen. Lost your car keys? Here's what to do.

You're in good company. Cover your car with us and join over 2 million people like you we're already looking after.

Uninsured driver promise - If the other driver is not insured and the accident isn't 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.
5% discount when you buy car insurance online (excludes optional extras).
Lifetime guarantee on repairs when using our recommended repairer service, for as long as you own the vehicle. Labour only, excludes parts.
Defaqto has given our car insurance a 5 Star Rating for the 22nd year in a row - it's the highest rating they give.

Rated highly by customers and industry experts

Our awards and recognition

Given the prestigious Defaqto 5 Star Rating
LV= car insurance rated 4.7 out of 5 based on 2,162 customer reviews independently verified by Feefo
Correct as of 13 October 2026

More about LV= car insurance

What's not covered?

Any drivers who aren't named on the policy.
Damage to any car you're driving that's not the car you've insured with us.
If the car's stolen when the keys were left in the car, the engine was running or it was left unlocked.
Mechanical or electrical breakdown.
Any vehicle that's already been classified as a Category A or Category B write-off.
Any vehicle that’s been converted into a campervan – whether converted at home, professionally, or coach-built.
Vehicles made by manufacturers like Auto-Sleepers, Bailey and Swift.
Vehicles with modifications like pop-top roofs, beds, or cooking facilities.
Motorhomes of any type.

Read our most common examples of what's not covered in our claims considerations guide

Optional extras

Check out the range of optional extras

Motor legal expenses
£25.99 per year

For £25.99 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 defending against a motoring prosecution. This can be expensive so we’ll cover you for up to £100,000 in legal expenses.

You can use motor legal expenses cover to help you recover any uninsured losses, like personal injury compensation, loss of earnings or hire car costs while your vehicle is being fixed. Find out more about Motor Legal Expenses.

Guaranteed hire car if yours is off the road
From £19.90 per year

Our guaranteed hire car cover promises you use of a hire car if your own car is being repaired by our recommended repairer service, or has been stolen or written off.

The cheapest hire car we offer is £19.90 per year and you're guaranteed a small 3 door hatchback hire car.

For £49.99 per year, you're guaranteed a medium family sized car with 5 doors or a 7-seater. Find out more about Guaranteed Hire Car.

Extended personal accident cover
£100,000 personal accident cover

If you, your partner or a named driver on the policy suffer a serious injury while travelling in, or getting in or out of your car, our comprehensive car insurance protects you with £10,000 personal accident cover.

For just £15 per year, you can increase your personal accident cover to £100,000 (per eligible person).

You'll also benefit from additional cash payments if you, your partner, or a named driver are admitted to hospital or have broken bones because of an accident in the car.

You can also get sessions with a physio or a mental wellbeing specialist to help your recovery.

Find out more about Extended Personal Accident Cover.

Breakdown cover
From £24 per year

You can add breakdown cover to your car insurance from just £24 per year for each car.

Britannia Rescue gives you access to over 4,000 breakdown professionals across the UK who will help to keep you moving. There are five levels of cover to choose from Roadside Assist to UK and European Assist. Find out more about Breakdown Cover.

Protected 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. With LV= you can earn up to a maximum of 9 years NCD.

If you have to make a claim on your policy, and we can't recover our costs from the person or people who are at fault, your NCD may be reduced.

If you’ve earned four or more years NCD, you can add this optional extra to protect your NCD for the life of your LV= policy. Find out more about Protected No Claims.

Policy documents

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LV= car insurance is rated 4.7 out of 5 based on 2138 customer reviews independently verified by Feefo

We’re planning some changes to our business structure.

Hand holding a policy document with a green heart

Please be aware, we plan to transfer the insurance business of Liverpool Victoria Insurance Company Limited ("LVIC") to Allianz Insurance plc. From 1 January 2027 this policy will be underwritten by Allianz Insurance plc instead of LVIC. Both companies are part of the Allianz UK group. These changes won’t otherwise affect your cover or policy (e.g. car, home, travel), how we support you, or the service you continue to receive. You can find out more information about the transfer at www.allianz.co.uk/transfer.