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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:

Terrible Communication

I initially went with LV because it had good reviews and a reasonable quote. Unfortunately I had water leak, the first call I had was really good and positive. I was put in contact with a Company LV use to carry out repairs. They came around and did a detailed inspection and could not pin point the exact problem. Now that was on around 15 October 2020, They took sample out of my wall and left. Fast foreword until 19 Nov 2020, I have tried and tried to get them to let know what was happening, assured a phone call back nothing. I managed to get hold of someone who was helpful and he explained there was a letter in the post. I got him to Email me the letter and to my astonishment I have basically be accused of fraud. I had a leak nearly 3 years ago and now they want me to produce receipts and quotes for the work that was carried out. I wrote back explaining that I have not got any but told them to look at the last time I had a leak it was different part of the house. I am now waiting for a reply but the way they have been so far with communication I doubt that I will hear back. It looks like I will have to go to the Ombudsman. I have never in all my years been so angry, i have been left with an unusable bathroom and bedroom. Reviewed on: 19th November 2020

HOME INSURANCE DOUBLES.

My home insurance renewal was £680 last year, my renewal had just come through at £1,220!!! I have never had a claim. I will never use LV again and will also change my car insurance for another company out of principle. LV obviously don’t want the business. Reviewed on: 20th February 2024

LVdoes not value existing customers

Home insurance quote increased by 33% by LV. LV increased my home building and content quote by 33% despite no claims being made. Online comparison site offered an equivalent quote gir £225 which is ehat LV quoted last year. Clearly LV do not want loyal customers snd offer cheaper deals only to new ones. I won't be using LV in the future. I also will not renew my car insurance with them until they rmvakye existing customers as much as they do new ones Reviewed on: 5th October 2023

Almost doubled

My policy went up from £210 to £360 even with buildings only it was £310 gone with someone else for £155 your loss LV Reviewed on: 2nd October 2023

Renewal

No problems at renewal time. Making changes is easy with a phone call to customer service. Reviewed on: 17th September 2023

Very disappointed

Had to wait 9 months for them to sort out my claim denied my claim twice although I was clearly covered.If it wasn't for my persistence and going to the complaint department and getting the ombudsman involved i wouldn't of had my claim agreed..very unprofessional and incompetent... Reviewed on: 14th September 2023

Home Insurance

Good cover for contents at a reasonable price Reviewed on: 12th September 2023

So disappointed. Shame on you!

I have been with this company for 30years and only one claim 18yrs ago. They've never messed me about with hiked up fees before. My renewal quote this year was 33% higher. Was told it was non-negotiable and then rude person told me my situation must have changed. NO it has not, rude lady. Gone elsewhere, same cover for half the price. So much forrewarding loyal customers Reviewed on: 12th September 2023

Everything fine, easy to purchase and deal with

Home insurance was easy to purchase online, price was competitive, have not had to claim so can't comment on that experience Reviewed on: 3rd September 2023

Horrendous tradesman and horrendous communication

I had a severe leak that appeared suddenly in the night They sent a guy out in a 1 hour window he chose in a down pour He said it’s to wet to go on the roof I’ll see what au can di in the loft He can back after 10 mins and said I’ve patched it up and it’s ok He then left Immediately it started to rain in again and now in 4 more places I rang back and it took them : days and 12 calls to get him back This time he was In the house for 3 mins And he spent 1 minute arguing that he wasn’t rude and threatening He threatens me after I said let’s look in the loft As he bizarrely claimed he was leaving as the leak was impossible He then put a report claiming he wa here for hours and had been shouting at him All on cctv entering and leaving with 3 mins So far they have nothing This thug should not be in people houses My roof is still leaking nearly a week later with thousands of pounds of damage that he is responsible for Reviewed on: 30th August 2023

Easy as 1-2-3

Very straightforward sign up process, with help icons along the way. Good cover at reasonable prices. LV also offered add-on insurance for additional products. Reviewed on: 23rd August 2023

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