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LV (Liverpool Victoria): Home insurance reviews

Name: Home insurance
Rating: 3.64 (141 reviews)

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3.52

Based on 141 reviews, last reviewed 19th Sep 2025

100% decrease in 5 star reviews

in the past 90 days

100% decrease 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.

LV (Liverpool Victoria) Home insurance reviews (141)

Review of the LV (Liverpool Victoria), Home insurance:

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

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 number of supplementary elements that the purchaser could elect to customise their personal insurance package with if so desired/required. Reviewed on: 19th September 2025

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 assigned to dealing with putting your home back together are third class builders. Clueless Reviewed on: 16th September 2025

Extremely poor and uncaring experience.

Having hd my phone stolen , LV doubled the premium after I paid a £200 excess.They were very unhelpful and refused to be swayed. This happened when the policy was due to be renewed only 10 days later, we questioned if this would occur and were told it would definitely not...then it did. Oh and while they deliberated the policy expired and we were not covered..but they didn't mention that !! Reviewed on: 11th September 2025

Brilliant home insurance and helpful team!

Brilliant home insurance and helpful team! Easy to contact by phone and some information available on my online account too. Reviewed on: 7th September 2025

From 5 companies LV Offered not the cheapest but the...

From 5 companies LV Offered not the cheapest but the best cover Reviewed on: 7th September 2025

Easy to get a quote and price was reasonably competi...

Easy to get a quote and price was reasonably competitive. I chose this product as their user interface is simple to use and they process changes quickly. Reviewed on: 5th September 2025

Happy customer here!

Happy customer here! Competitive renewal charges and high levels of customer service. Reviewed on: 4th September 2025

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

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