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LV (Liverpool Victoria): Home Insurance reviews

Name: Home Insurance
Rating: 3.64 (134 reviews)

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3.48

Based on 134 reviews, last reviewed 10th Oct 2024

100% decrease in 5 star reviews

in the past 90 days

No new 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:

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

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

Always happy with LV.

Always happy with LV. Their renewal quotes can always be improved with just a quick phone call. Reviewed on: 10th October 2024

LV are 100% dependable

My house & Contents have been insured with LV for many years. In that time there have only been 2 occasions when I needed to make a claim. In both cases, an assessor came out quickly and the claims were settled fairly without any quibbling or fuss. What more could you want. Reviewed on: 4th September 2024

Happy Customer Here!

I've had insurance policies with LV for many years including a couple of claims and not once had a problem. Reviewed on: 4th September 2024

Easy to contact, good experience.

Easy to contact, good experience. Reviewed on: 26th August 2024

Very easy to liaise with

Very easy to arrange the insurance in the first place and were very responsive and easy to deal with when I needed to update during the policy and clarify some details. Reviewed on: 25th August 2024

Straitforward .

Straitforward . Simple and easy to deal with Reviewed on: 25th August 2024

I like it when it is me and LV !

LV quoted me a competitive price which I accepted. I feel LV home insurance is more comprehensive than other providers and offers very good value for money. I have peace of mind that if anything should happen LV will look after me. Reviewed on: 24th August 2024

Quick to provide documents when requested.

Quick to provide documents when requested. Not had to claim on the insurance so don't know how easy that process would be. Reviewed on: 24th August 2024

LIVERPOOL VICTORIA

Easy to deal with, great product and excellent value for money Reviewed on: 24th August 2024

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