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LV (Liverpool Victoria): Home Insurance reviews

Name: Home Insurance
Rating: 3.64 (134 reviews)

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3.40

Based on 134 reviews, last reviewed 10th Oct 2024

50% decrease in 5 star reviews

in the past 90 days

100% decrease in 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:

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 though their quote was not the cheapest but offered me the right cover level at a reasonable price. The whole online process was easy and straightforward. Reviewed on: 10th October 2024

No claims yet 60% increase in premium

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

Huge increase in home insurance

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

Awful experience, no loyalty!

Awful service! Refusing to pay out cover after being a customer for over 10 years. Stating that the damage was seen as long term damage. Years of paying loyally means nothing. Have cancelled home insurance cover. Opinion is avoid, when purchasing cover with Liverpool Victoria, they happily take your money and not pay out when you need them! Put your money into a company that will actually help. Reviewed on: 18th November 2022

43% Increase in home insurance renewal

I've just received my home insurance renewal quote which was £349.15 last year and £471.75 which is a 38% increase. This included a 5% discount as I have car insurance with LV aswell. Therefore technically it was a 43% increase in a year. I've made no claims against my policy. I called customer service and asked how they can justify a 43% increase? The reply was cost of living crises, inflation and more claims over the last year. OK then increase those who claimed on their insurance not the people that didn't. I've given LV one star for milking the cost of living crises. Reviewed on: 8th November 2022

Poor slow response to emergency hole in roof

Reported a hole in roof through which rain water was coming in. Took 4 days to send a roofer who came and took a picture of the house and left reporting that no one was home which was a total lie. Took another 4 days for roofer to come back. He did not even have a ladder. A router who wouldn’t go anywhere near a roof. Stood on the ground from where he couldn’t see any part of the roof and sent in a report that there was a hole in the roof which I had told them having seen it through my attic. He refused to go into the attic even to do any temporary patching. So, it’s taken 8 days for them to tell me what I told them in the first place !!!! Reviewed on: 4th November 2022

Floor subsidence and now building subsidence

Floor has dropped 2cm and cracking at foot of windows ( windows to the floor level). Carried out survey, said next step to send an engineer to take a bite hole sample. Never came and refused to pay for repairs. Comment from LV ware and tear! Estimate to repair £16,000. Now 9 months on building subsidence in same area as floor subsidence. Called LV, said they would get in touch 48 hours. 6 days later we called again said call back same afternoon, nothing. Another 2 days went by we called again and still waiting fir call back. We are living a nightmare and they don’t care! Reviewed on: 21st October 2022

They didn't want my business!

After ca. 10 years with LV (home and cars insurance), they quoted me a 75% increase in house and contents cover following 1 claim for roof damage in Storm Eunice, February 2022. Not only that, on the phone the operator was completely uninterested in explaining or justifying this, and was simply in a hurry to cancel the cover on the policy end date. I will take all my policies elsewhere. Reviewed on: 12th October 2022

MAKE IT UP AS THEY GO ALONG

Have been with LV for a few years,never had a claim,unfortunately my son and partner also insured their first home together with LV.Early hrs of 06/09/22 there was a terrible storm and the previously perfect garden wall was struck by Lightning,Lv have been awful using some building firm to asess damage,they were ok but LV said the lightning had not happened despite it being in our local paper Shropshire star the next day,we now await deadlock letter before taking the case to the Ombudsman and neither family unit will be using LV again!!! Reviewed on: 5th October 2022

Excellent Customer Service

The claim was at after a rather traumatic incident. The care and compassion we were shown was exactly what we needed. I can honestly say that LV has excellent customer service. They did not give us a run around. The claim was settled speedily. In less than 5 working days the funds were in our account. The heart is real. Each person I spoke to was polite , warm and professional. Reviewed on: 6th September 2022

Awful experience with LV - please avoid

Haven’t been able to claim for a leaking pipe despite it causing damage - it might be worth asking LV what they do actually insure as it doesn’t seem to be for the service you’d expect from a home insurance policy. Absolute rubbish. Was originally told we’d be covered now we’re going to have to find thousands of pounds to fix the issue. I would definitely not recommend this company. Reviewed on: 26th August 2022

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