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LV (Liverpool Victoria): Home Insurance reviews

Name: Home Insurance
Rating: 3.64 (134 reviews)

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3.47

Based on 134 reviews, last reviewed 10th Oct 2024

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

51%

19%

27%

Latest highest rating:

4

Right level of insurance No-one likes it when your renewal quote arrives much higher than expected. After shopping around l decided to buy my home insurance from LV even thoug... Read more Reviewed on: 10th October 2024

Latest lowest rating:

1

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

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About this product

Choosing the right insurance provider can be daunting with so many on the market. At Smart Money People, we collect LV= home insurance reviews from existing policyholders to help you make a better financial decision. Find out how customers rate the service they have received from LV=.

LV= offers a variety of insurance policies, with discounts available when you combine its home and motor policies. There are three levels of home insurance to choose from: essentials, home and home plus. LV= home insurance policies come with the benefit of a 24 hour helpline and a 12 month guarantee on repairs.

What do you need from a home insurance policy? Are you searching for a flexible policy, with a range of optional add-ons? Or are you simply looking for the most cost-effective premium? Are you prioritising buildings insurance, or do you only need contents insurance? Perhaps you’re planning to combine both policies? Whatever your needs, read our LV= home insurance reviews to see how genuine customers rate their policies.

Have you had a home insurance policy with LV=? Whether good or bad, give an honest account of your experience. Did you purchase buildings insurance, contents insurance, or both? What level of cover did you choose, and were you satisfied with your policy? Did you have any experience with the customer service team? Would you renew your policy and recommend it to family or friends? Write an honest LV= home insurance review. Together, we can help people like you make better financial decisions.

LV (Liverpool Victoria) Home Insurance reviews (134)

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

If I could give you zero I would

My advice would be never go near this company. My parents are both nearly 80 and are in poor health found this out the hard way. A Leaking upstairs toilet, through to the ceiling. Several people came with different views, parents were given the option of paying for the bathroom tiles to be changed which would of cost them their £500 excess and a 50% contribution, the area is under 1 ms and they had 33 SPARE yes spare tiles so they said no, because they couldn’t afford it, LV agreed that the area could be re-tiled using existing tiles and the spares. First the kitchen ceiling was coated, not repaired. Next the toilet was removed, a new cistern fitted, original was slim line and whilst old was of good quality, what went back was neither, the toilet now being 9” further into the room, this left enough room for Dad to walk sideways with his sticks between the sink and toilet, LV agreed to change the cistern back to a slim line, the toilet had now been fitted at an angle, laughable if my mom wasnt stood there crying and saying sorry. 2 weeks then Gelder supervisor finally visited and said “I know it looks bad but it’s only 10mm” refitted and again another day of disruption, keep in mind my parents are nearly 80, Dad has terminal cancer and mom suffers with nerves. Again I visited on the weekend, next was tiling, pieces of cardboard from toilet role and pizza box’s had been used as spacers, none of the joints matched, the tiles were kicked out at the tops, sides, bottoms and gaps were between 2mm and 10mm, the tiles appeared to have been cut with a bread knife and the tile edges were snapped and the corners not even 45 degree joints, Gelder supervisor came out and said “I know it’s not his best work, but it might hide it when it’s grouted” he finally agreed to send round his tiler to redo the job, when I asked who the hell had done this then if it wasn’t his tiler he told me it was the plumber as the tiler was busy. A few days later, Gino a great guy came to look at it, called the Gelder group office and said it was the worst tiling job he had seen in 30 years, he then asked them to find out where the plumber had put the 33 spare tiles to which the reply “he errr used them all” he fought our corner for us for an hour with Gelder group, explained that this could not be redone and the standard was appalling. Gelder promptly passed it back to LV to deal with, after weeks of ignored emails finally insisted on sending a company round called “Magic Man” who could repair broken tiles and rebuild tiles that were cut short, they had ever confidence “we would hardly notice" The results:“no chance at all, never seen a job that bad and I’ve seen a few, who’s done that?" We were then offered a compromise,“how about we get some white tiles and make a feature out of that part of the wall?”the next compromise was “we noticed you had spare kitchen tiles, can we use those, I know the colour and size is different but if we mix them in it will look ok” we insisted on a retiling . We now choose our own contractor, LV agreed, they offered was £2100 for everything, this includes putting the leaking toilet right (still leaking a year on) replacing the floor, replastering and new tiles, the bathroom has to come out for tiling, shower, radiator, toilet, sink We had two quotes from bathroom fitters, around £4,500. For months now LV have delayed making a final decision on paying out, full of sympathy but it’s going from person to person, dept to dept. “there were mistakes on both parts”, my parents mistake being they couldn’t make up their minds quickly, partly because they are old and partly because that many different people came that told them different things they got confused to hell, the other mistake according to LV was my parents didn’t want to pay the excess or 50% contribution because of upheaval and finances, of course they wouldn’t?? Who would when you have a 1ms area and 33 spare tiles!! An unfortunate case of “their old, don’t worry about it” Think about this story before you take out a policy with this company. Reviewed on: 15th February 2022

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

Easy buy, no hassle

Haven't had to use them for any disasters as yet happily, but staff were patient and helpful with any questions on the policy Reviewed on: 23rd August 2023

Friendly and fairly priced

Had to change my policy due to changes with my house and LV was fairly priced and flexible. Reviewed on: 23rd August 2023

Loving LV

Best price, comprehensive cover, easy to set up my policy. So far no requirement to claim on insurance so less able to feed back on how this might go but no complaints from me, so far so good & long may that continue! Reviewed on: 22nd August 2023

A company that seems to car!!!

LV has been so helpful bin getting the right cover. Their website is easy to navigate and their staff on the phone so knowledgeable and helpful. Well done. Reviewed on: 22nd August 2023

Super easy and transparent

Easy and clear to arrange online. Also got my travel insurance through them due to the process. Reviewed on: 22nd August 2023

Worst company ever - stay away!!!

I give one star because is no minus stars…the worst company ever….stay away. Had home insurance, lost a product abroad and they don’t what to help because I decided to stay longer abroad. Worst customer service, they take your money but they will try everything to rip you off and to avoid paying you back. Reviewed on: 15th August 2023

Excellent value L V !!

Great price for home insurance considering most other insurance companies are hyping up their price! Really good value and less than last year! Reviewed on: 29th July 2023

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