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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)

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

Poor customer service experienced

After receiving a renewal letter for my home insurance I noticed that some of the details were incorrect. I phoned LV to be kept on hold for a considerable amount of time whilst the member of staff tried to get some advice. When he finally came back to me he said they were cancelling my policy from that moment. No care, support or advice given, despite the fact they could hear I was very shocked. I have been a valued customer for many years and felt very badly treated! Reviewed on: 18th February 2022

If I could give you zero I would

My advice would be never go near this company. My parents are both nearly 80 and are in poor health found this out the hard way. A Leaking upstairs toilet, through to the ceiling. Several people came with different views, parents were given the option of paying for the bathroom tiles to be changed which would of cost them their £500 excess and a 50% contribution, the area is under 1 ms and they had 33 SPARE yes spare tiles so they said no, because they couldn’t afford it, LV agreed that the area could be re-tiled using existing tiles and the spares. First the kitchen ceiling was coated, not repaired. Next the toilet was removed, a new cistern fitted, original was slim line and whilst old was of good quality, what went back was neither, the toilet now being 9” further into the room, this left enough room for Dad to walk sideways with his sticks between the sink and toilet, LV agreed to change the cistern back to a slim line, the toilet had now been fitted at an angle, laughable if my mom wasnt stood there crying and saying sorry. 2 weeks then Gelder supervisor finally visited and said “I know it looks bad but it’s only 10mm” refitted and again another day of disruption, keep in mind my parents are nearly 80, Dad has terminal cancer and mom suffers with nerves. Again I visited on the weekend, next was tiling, pieces of cardboard from toilet role and pizza box’s had been used as spacers, none of the joints matched, the tiles were kicked out at the tops, sides, bottoms and gaps were between 2mm and 10mm, the tiles appeared to have been cut with a bread knife and the tile edges were snapped and the corners not even 45 degree joints, Gelder supervisor came out and said “I know it’s not his best work, but it might hide it when it’s grouted” he finally agreed to send round his tiler to redo the job, when I asked who the hell had done this then if it wasn’t his tiler he told me it was the plumber as the tiler was busy. A few days later, Gino a great guy came to look at it, called the Gelder group office and said it was the worst tiling job he had seen in 30 years, he then asked them to find out where the plumber had put the 33 spare tiles to which the reply “he errr used them all” he fought our corner for us for an hour with Gelder group, explained that this could not be redone and the standard was appalling. Gelder promptly passed it back to LV to deal with, after weeks of ignored emails finally insisted on sending a company round called “Magic Man” who could repair broken tiles and rebuild tiles that were cut short, they had ever confidence “we would hardly notice" The results:“no chance at all, never seen a job that bad and I’ve seen a few, who’s done that?" We were then offered a compromise,“how about we get some white tiles and make a feature out of that part of the wall?”the next compromise was “we noticed you had spare kitchen tiles, can we use those, I know the colour and size is different but if we mix them in it will look ok” we insisted on a retiling . We now choose our own contractor, LV agreed, they offered was £2100 for everything, this includes putting the leaking toilet right (still leaking a year on) replacing the floor, replastering and new tiles, the bathroom has to come out for tiling, shower, radiator, toilet, sink We had two quotes from bathroom fitters, around £4,500. For months now LV have delayed making a final decision on paying out, full of sympathy but it’s going from person to person, dept to dept. “there were mistakes on both parts”, my parents mistake being they couldn’t make up their minds quickly, partly because they are old and partly because that many different people came that told them different things they got confused to hell, the other mistake according to LV was my parents didn’t want to pay the excess or 50% contribution because of upheaval and finances, of course they wouldn’t?? Who would when you have a 1ms area and 33 spare tiles!! An unfortunate case of “their old, don’t worry about it” Think about this story before you take out a policy with this company. Reviewed on: 15th February 2022

Best home insurance we have had

Great customer service when making a claim. Excellent at restoring contents and property with great tradesmen. Reviewed on: 12th January 2022

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