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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:

Worst Home Insurance company !!

30 years of having home insurance and hardly ever claimed i unfortunately took out home insurance with the worst home insurance company LV . Please don't use this company i have had the most stressful week trying to sort out a simple job of replacing a toilet button and a part in toilet cistern that stop working so i couldn't flush the toilet . I rang to explain what had happened ( in my cover it stated i was covered for bathroom suite with plumbing it is a silver cover . I took a day off work to wait for the 1st engineer arriving he came looked at the toilet said he didn't have the right part he would order the part and be in contact . On the Saturday of that week an unpleasant 2nd engineer arrived with the part ordered by the 1st engineer he looked at the problem and informed me the 1st engineer ordered the wrong part and that “ he no longer works for the company as he couldn't get a grip of the job “ just great! he took a photo of the part and said he would be in contact once he gets the part . Half an hour later emergency cover rang and said the whole toilet needs to come out and to contact my insurance company and inform them i need “track and trace”. I asked do they not communicate with each other the advisor who was so patronising and unpleasant drove me crazy informing me i need to contact them . I was then informed by LV i am not covered for track and trace ?? I explained don't have a leak so i don't need track and trace its just the button and part inside toilet needs replacing ( this job previously 5 years ago was sorted on the first visit when i had Tesco insurance tgey use dyno rod ) I am now left having to go through a plumber who came out and said the job is no problem he's ordered the part and replacing it when it arrives costing me £100 . Why would i be told the whole toilet needs to come out ? Please save yourself the stress use any other insurance company but these cowboys . I had another 6 months on my policy i am cancelling it and going back to a insurance company that actually cares about their customers . I know they are few and far between but i should not have switched from Tesco . LV sort your policies out and be more transparent and give better training to your call centre staff especially on how to speak politely to customers! Reviewed on: 28th January 2023

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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