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LV (Liverpool Victoria): Home insurance reviews

Name: Home insurance
Rating: 3.99 (148 reviews)

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3.99

Based on 148 reviews, last reviewed 2nd Sep 2026

600% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

51%

19%

26%

Latest highest rating:

5

I've had home insurance with LV continuously for man... I've had home insurance with LV continuously for many years. At renewal, their premium is always competitive. Reviewed on: 2nd September 2026

Latest lowest rating:

1

A Newborn Baby, Months of Disruption, and Zero Empathy I never thought I’d be writing a review like this, but our experience has been so upsetting & exhausting that I feel I have to share it & I genuinely ... Read more Reviewed on: 17th April 2026

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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 (148)

Massive premium increase

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

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

Rubbish insurance company

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

Do not buy a policy with LV!

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

9 days later and water still escaping

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

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

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