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LV (Liverpool Victoria): Home insurance reviews

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3.49
Based on 141 reviews, last reviewed 19th Sep 2025
300% increase in 5 star reviews
in the past 90 days
200% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
50%
See only 4 star reviews
20%
See only 3 star reviews
2%
See only 2 star reviews
1%
See only 1 star reviews
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
SW's avatar
SW

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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Bazzza
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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.

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LV (Liverpool Victoria) Home insurance reviews (141)

Credit Solution

5
I have been making regular payments on a loan that was opened in Oct 2022, but my lender did not report my account to the credit bureaus until Jan 2023. When this account popped up on my credit report, it showed that I had only made two payments even though I had not missed a single payment. I filed a dispute with the credit bureaus and contacted my lender to fix the problem on my credit report. They've been back and forth for months now with no signs of repair. Thank you FixMyCredit for helping me take care of the damage done and the financial advice given. FIXMYCREDIT at WRITEME dOt com.. Reviewed on: 29th March 2023
Dalia Russo's avatar
Dalia Russo

Credit Solution

5
I have been making regular payments on a loan that was opened in Oct 2022, but my lender did not report my account to the credit bureaus until D. When this account popped up on my credit report, it showed that I had only made two payments even though I had not missed a single payment. I filed a dispute with the credit bureaus and contacted my lender to fix the problem on my credit report. They've been back and forth for months now with no signs of repair. Thank you FixMyCredit for helping me take care of the damage done and the financial advice given. FIXMYCREDIT at WRITEME dOt com.   Reviewed on: 29th March 2023
Dalia Russo's avatar
Dalia Russo

Ripping off long-standing customers

1
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
Gerald Hayes's avatar
Gerald Hayes

Massive premium increase

1
Just had my home insurance renewal from LV . I have had no claims in the past year and yet the premium is increasing by 66%. I called them and they said it was because they were migrating customers to ‘improved policies’. I said I was happy with the existing cover but that’s not an option. Goodbye LV! Reviewed on: 6th February 2023
NeillB61's avatar
NeillB61

Worst Home Insurance company !!

1
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
Suzie's avatar
Suzie

Rubbish insurance company

1
I’ve never made a claim before so when i did make a claim for a cable end damage where water has got through to my walls inside they said it’s maintenance and building insurance don’t cover it, but said they can cover internal because i have accidental damage. To now be told I’m not covered internally as it only happens when it rains and it’s not a one off accident, what’s the point in having cover Reviewed on: 18th January 2023
Amanda Berridge Geoghegan's avatar
Amanda Berridge Geoghegan

Do not buy a policy with LV!

1
We have not been able to get through to the LV emergency home line for several days and no engineer has called despite completing an online form and receiving a text to say one would be calling. Its is disgraceful. We have been freezing for days in sub-zero temperatures. I have never experienced worse customer service... avoid like the plague! Reviewed on: 19th December 2022
Nicola Gunn's avatar
Nicola Gunn

9 days later and water still escaping

1
9 days after my claim and despite regular promises a plumber has still not attended under their policy to repair a leak. The house is saturated. Reviewed on: 1st December 2022
Martin Cannon's avatar
Martin Cannon

No claims yet 60% increase in premium

1
Despite having no claims go over 20 yrs my house insurance cost increased by over 60%! Could not get through to discuss .. they don’t deserve any business Reviewed on: 28th November 2022
Geoff Dalton's avatar
Geoff Dalton

Huge increase in home insurance

1
Loyal customer for years, home insurance last year was £263 this year £499, never had a claim and the customer service was dreadful attitude was take it or leave it nothing we can do! They obviously don't value loyal customers, would never recommend Reviewed on: 24th November 2022
Sharon Suckling's avatar
Sharon Suckling

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