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LV (Liverpool Victoria): Home insurance reviews

Name: Home insurance
Rating: 3.64 (141 reviews)

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3.52

Based on 141 reviews, last reviewed 19th Sep 2025

100% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

50%

20%

27%

Latest highest rating:

5

Buildings and Contents Insurance Signup I have recently taken out a Buildings and Contents Insurance policy. The online quotation experience was straightforward and there were a decent numbe... Read more Reviewed on: 19th September 2025

Latest lowest rating:

1

Avoid this insurance company like the plague Call handlers are are no help. the loss adjuster are no help you can’t get hold of them they are always on holiday or sick. And the company that is as... Read more Reviewed on: 16th September 2025

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About this product

LV= offer three levels of home insurance cover: Essentials, Home and Home Plus.

Essentials is the most basic cover. LV= Home and Home Plus have additional cover with some optional extras included as standard including accidental damage and locks and keys replacement. You can get a quote for LV= home insurance online.

LV= home insurance reviews help you find out what it’s really like to be a customer. If you’ve used LV= before, you can also leave a review and share your experience.

LV (Liverpool Victoria) Home insurance reviews (141)

Review of the LV (Liverpool Victoria), Home insurance:

Ripping off long-standing customers

For the second year in succession LV have increased my home insurance premium by huge amounts. In the last two years it has increased by 200% when my circumstances have not changed and no claims have been made. In fact I have not made a claim since January 2010. When I telephoned to ask the reason for the increase this year which was even larger than in 2022 I was told by the agent that there was no point in making a complaint as it would be disregarded out of hand and actually thrown in the bin. She suggested I should look elsewhere as she said she would in my position. Nevertheless I decided to raise the question with the CEO and eventually received the reply predicted and which I had expected full of assertions about market conditions and short on actual facts as they apply to my circumstances. I have now got rates at a third of the 2023 quote on better terms than I had with LV from other highly reputable companies working in the same market and in the same conditions as them. Frankly the claims on the LV website that “Great customer service is just the beginning” is indeed laughable and utter nonsense. As to another assertion that "10% of customers paid less that £109 from July to September" that too is completely meaningless since it doesn't say anything about sums insured or if it is for building or contents or combined and of course it has no real life context because LV dare not provide one. It really is utterly disingenuous. My advice is don't trust this company to do the right thing by their customers and look elsewhere for value for money which LV certainly does not provide. Gerald Hayes Reviewed on: 5th March 2023

Happy Customer Here!

I've had insurance policies with LV for many years including a couple of claims and not once had a problem. Reviewed on: 4th September 2024

Easy to contact, good experience.

Easy to contact, good experience. Reviewed on: 26th August 2024

Very easy to liaise with

Very easy to arrange the insurance in the first place and were very responsive and easy to deal with when I needed to update during the policy and clarify some details. Reviewed on: 25th August 2024

Straitforward .

Straitforward . Simple and easy to deal with Reviewed on: 25th August 2024

I like it when it is me and LV !

LV quoted me a competitive price which I accepted. I feel LV home insurance is more comprehensive than other providers and offers very good value for money. I have peace of mind that if anything should happen LV will look after me. Reviewed on: 24th August 2024

Quick to provide documents when requested.

Quick to provide documents when requested. Not had to claim on the insurance so don't know how easy that process would be. Reviewed on: 24th August 2024

LIVERPOOL VICTORIA

Easy to deal with, great product and excellent value for money Reviewed on: 24th August 2024

excellent

Offers the highest cover for garden and sheds under the standard policy for the lowest annual cost. Reviewed on: 23rd August 2024

Never had a home insurance claim.

Never had a home insurance claim. My building and contents insurance doubled on renewal from 300 to over 600! Reviewed on: 11th June 2024

LV are bottom slicing their customer base

As a customer for 19 years I have migrated my house insurance. Last year they increased the premium by 50%. This year by 110% so adios. They did the same with my car insurance which they have had for 10 years. I had 3 cars insured with them and they will all move as the renewals approach. allianz now own LV and they are racking up the premiums of their loyal customers to see what they can get away with. I have NEVER made a claim for house or car insurance in 19 years Reviewed on: 10th June 2024

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