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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

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

Very easy to use online

Very easy to use online and no trouble to deal with Reviewed on: 28th July 2023

Luv LV

Straight forward insurance that doesn’t cost the earth, easy to set up online, LV information easy to read & understand. Unable to comment as to claims process which thankfully I have not had to use, long may this continue! My policy covers buildings & contents, I was able to adjust excess amounts which in turn impacted premium paid for cover, choice to opt in & out of extras as required too, this impacting total premium which is especially good at present when costs are sky rocketing & moneys tight. Reviewed on: 13th July 2023

Bad for business

Instead of finding a reason to pay out a legitimate claim they will think up any reason NOT to pay!….using these guys is as good as throwing your money away! Bad for business this company is and they send you from pillar to post. Zero stars for their shocking business ethic Reviewed on: 2nd May 2023

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