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LV (Liverpool Victoria): Home insurance reviews

Name: Home insurance
Rating: 3.64 (141 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

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.

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LV (Liverpool Victoria) Home insurance reviews (141)

Good so far!

I’m a new customer, it’s was an easy transfer Reviewed on: 15th August 2022

No fuss

Competent and simple, with clear documentation Reviewed on: 15th August 2022

Incredibly Helpful

As well as being good value, LV staff have been exceptionally helpful in resolving issues with my Mothers insurance, for which I am POA, and have gone above and beyond what I would have expected. It is lovely to deal with people who think outside the box and don't just work from a standard computer tick list of options. Well done LV Reviewed on: 14th August 2022

Home insurance

Good value home insurance and easy to sort online Reviewed on: 13th August 2022

Good until you have a claim

Not a good company to be with. Everything is alright until you have to claim something with them. Reviewed on: 1st August 2022

Will not pay you out and will do their best to avoid refunding too

Absolutely awful, insured my wedding ring and engagement ring, spoke to them over the phone regarding the policy and took it out online to get my quidco cashback,I had a plus policy. My rings sadly have been stolen which has been extremely distressing and now they have come back to say they are voiding my policy as the rings are worth more than my policy cover, even though I am only asking for what they were insured for I do not wish to have more money for them just what I paid the policy for. Be very wary. When I asked them to trace the phone call they are saying they can't find a record and whats more is if I rang off a withheld number they would never be able to find the call as its through phone numbers not account information which is insanity. Appalled at their service, now they are stating that they will more than likely not refund me for my policy either, I just find it disgusting and will be taking this to the ombudsman. Reviewed on: 14th July 2022

VERY HELPFUL

Phoned the otherday about a pension withdrawel , after speaking to Elliot Webb he explained the circumstace, the problem was from my investment firm PORTAFINA , we went throught a few things and he managed to sort the problem so that I can get payed Midweek, nothing was to much trouble and I appologise for being angery at the start put after he explained i have nothing but praise for him Reviewed on: 9th July 2022

A nightmare

I had some water damage and LV referred it to Refurbishment UK, to whom they had given delegated authority to approve the claim. It took them three weeks to tell me it wasn’t covered in spite of initially being told it was covered. LV just passed the buck and didn’t want to know. Shameful! Needless to say, I won’t be renewing. Reviewed on: 14th June 2022

Disappointed

Our cats damaged three carpets, so we made a claim. We didn’t want to replace with carpet because it will only happen again. It cost us £250 excess, and now we have exactly £542 to replace carpets in two rooms and on the landing with lino. We’re only going to be about £800 short and I suspect they will load our policy next year. I’m sure other companies are the same, but two carpets were only a few months old. I’m not impressed, and all because we don’t want to replace with like-for-like (and claim again inside a year). Reviewed on: 22nd May 2022

Same old insurance story

LV covers my household insurance. I had a leak from the skylight into the kitchen but because this happened ‘over a period of time’ as opposed to a one off event ( not true - It was a number of one off events) I was told i was not covered. I have had to pay for my ceiling to be repainted the skylight to be mended the leak to be blocked & the decking that was above it to be replaced because it had rotted due to the leak. I thought LV was different and trusted them – it turns out that, as usual, you pay the premiums and they refuse to pay out on your policy when you need them. Always finding a way to squirm out of paying out. I have cancelled my polucy. Reviewed on: 20th May 2022

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