Legal information

The small print on our products

Legal Product Information at a glance

Read below to understand which products are offered by which LV company. 

Liverpool Victoria Financial Services Limited

Flexible Transitions Account; Protected Retirement Plan; LV= Smoothed Bond; LV= ISA; LV= Trustee Investment Plan; Life Protection, Life and Critical Illness, Life and Enhanced Critical Illness, Income Protection, Personal Sick Pay, Business Protection Life Protection, Business Protection Life and Critical Illness, Executive Income Protection, Family Income Benefit and Gift Inter-Vivos. These are the products open to new business.


LV Equity Release Limited

Lifetime Mortgage Drawdown+; Lifetime Mortgage Lump Sum+; Lifetime Mortgage Drawdown Lifestyle; Lifetime Mortgage Lump Sum Lifestyle


If you have a complaint about any part of the service you receive from us, it’s important that we know about it, so we can help put things right. You can let us know by emailing us or, you can write to us at: Box 2, LV=, County Gates, Bournemouth. BH1 2NF. Your complaint will be dealt with promptly and fairly and in line with the Financial Conduct Authority’s requirements, and if you want more information on how we handle complaints, please contact us.

If we can't resolve your complaint, the Financial Ombudsman Service may be able to help you. Their service is free for you but you'll need to contact them within six months of receiving our final response letter.
You can also register a complaint with the European Union’s Online Dispute Resolution platform (ODR). The ODR will simply pass your complaint to the Financial Ombudsman Service.

Financial Services Compensation Scheme

We’ve been in business since 1843, and take great care to manage our affairs sensibly. If we ever did get into financial trouble and couldn’t honour our commitments, you may be entitled to compensation from the Financial Services Compensation Scheme.

The compensation you could get depends on the type of product you have.

Long Term Insurance (e.g. pensions and life assurance)

100% of the total claim. For life assurance, the scheme's first responsibility is to seek continuity of life assurance rather than to pay compensation.


100% of the first £85,000 of each depositor's claim.


100% of the first £85,000. For investments, the scheme’s first responsibility is to seek continuity of investment rather than to pay compensation.
The actual level of compensation you receive will depend upon the basis of your claim.

For more information visit the FSCS website or call 0800 678 1100 or 0207 741 4100.