Why choose LV= for your car insurance?

Why choose LV= for your car insurance?

  • Uninsured driver promise – If the other driver is not insured and the accident’s not 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
  • Discount for customers when you buy your car insurance online*. (*customers buying online receive at least 5% discount, excludes add-ons)
  • Lifetime guarantee on repairs when using our recommended repairer service, for as long as you own the vehicle. Labour only, excludes parts.

What’s covered?

From theft to write-offs and even lost keys, you’ll be covered with us. Here’s what you’ll like about our comprehensive cover

  • 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.
  • New locks and keys 
    If your keys are lost or stolen. After all, accidents happen.

Take a look at all of our car insurance products…

Electric car insurance

Going green? Great! On top of the usual stuff, we’ll cover you for charging cables, wall boxes, batteries and adaptors. Plus, if you run out of juice, we’ll get you to the nearest UK charging point (no worries, this won’t affect your NCD).

Multi car insurance

Got a few cars on the drive? No problem, you can cover up to 6 cars and 12 drivers on one policy. One policy doesn’t mean one size fits all though, you can tailor the cover levels, extras and start dates for each of your cars. This is the cheapest way to cover multiple cars with us.

Learner driver insurance

Learning to drive or have someone in your home that is? You can add a learner driver to your existing LV= car insurance policy. One policy, one less thing to worry about.

What are the different car insurance cover levels?

There are three main levels of car insurance cover, summarised as follows:

Third party only

This is the minimum cover level required by law. So, if you’re involved in an accident that was your fault, we’ll pay out for any damage or injury you cause to other people and their property. But it doesn’t include cover for damage to your car. Third party cover is normally the cheapest cover available.

Third party, fire and theft

In addition to the cover provided by a third party only policy, this cover level protects your car from damage caused by fire,theft and attempted theft and claims from a third party if you’re involved in an incident.


This is the highest level of car insurance cover. It includes third party, fire and theft, and also covers the cost of repairing or replacing your car if it’s vandalised or involved in an accident. It includes additional cover benefits, such as windscreen damage, driving in Europe and, if you choose the option, a hire car to replace yours if it’s off the road due to vandalism or being involved in an accident.

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