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LV (Liverpool Victoria): Income Protection reviews

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1.69
Based on 14 reviews, last reviewed 21st Jan 2025
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Latest highest rating:

4

Good, but complicated Great product and service, and the company are okay at communicating (primarily marketing stuff though). Very complicated contracts and materials. Wou... Read more Reviewed on: 22nd August 2023
jake_sandford's avatar
jake_sandford

Latest lowest rating:

1

up to now they are trying anything possible not to p... up to now they are trying anything possible not to pay out a policy. if you don’t even report an headache and you’re off with your back because you’ve... Read more Reviewed on: 21st January 2025
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David
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About this product

LV - Liverpool Victoria income protection reviews from our Smart Money People can help you to find out what having a LV - Liverpool Victoria income protection policy is really like. For example, how simple is it to make a claim? Answers to questions like these aren't always that easy to find...and That's were we come in! Smart Money People is the UK's leading financial services review site. If you have experience of a LV - Liverpool Victoria income protection policy, you can write your review today. Together, we can help us to increase trust and transparency in financial services.

LV (Liverpool Victoria) Income Protection reviews (14)

Review of the LV (Liverpool Victoria), Income Protection:

Income Protection Scam

1
Don't bother wasting your hard earned money on buying IP insurance from them as they'll happily take your money then leave you with nothing when you want to make a claim. I decided to purchase income protection insurance after I became a dad and my partner moved to part time as my employer only pays ssp and wanted to be sure I can support my family financialy if I'm ever unable to work. Due to family issues I developed mental health problems and was signed off work so decided to make a claim with LV, over 2 months later and I still haven't seen a penny from them. I provided everything they asked for, sick note, gp reports, they were supposed to get back to me in couple of days then another couple of days and so on, I called them 2 weeks ago and asked for an update, begged them to get back to me before Easter as we literally can't afford to pay for our mortgage, bills and food. The only reason I bought this insurance was to be able to support my family and then here I am unable to give my son nice Easter, my mental health has detoriated even more, I didn't have financial issues when I got signed off work, now I do, I had to borrow money from friends and family and take a short term loan on a stupidly high interest, had to do all the things I wanted to avoid by buying this insurance. They said they're sorry to hear that and that they'll get back to me by Thursday last week. Thursday afternoon came and still nothing, called them for an update only to be told that the assesor who looked into my claim has gone home already! Well I hope she had a nice Easter leaving home without getting back to me as promissed and ruining mine. I still don't know when or if they will get back to me. I'm disgusted with the way they treated me, they know that I am already suffering with mental health, I contacted them number of times to tell them the way they treat me make my issues even worse and they just blatantly ignored me. I feel like an idiot now believing that you can feel safe when you have income protection insurance, you can't, you just pay for nothing and you can only count on yourself as LV doesn't give a toss about you! Reviewed on: 2nd April 2024
Dominik K's avatar
Dominik K

Peace of mind

4
I travel a lot for work and have a young family. Liverpool victoria gives me peace of mind that my family will be taken care of should anything put me out of action temporarily. Reviewed on: 8th September 2018
Luis's avatar
Luis

The best insurance LV

5
lV for home and car insurance definitely 10star. Excellent service. Reviewed on: 3rd August 2018
Kath Edwards's avatar
Kath Edwards

Breached Data Protection and can't change direct debit date

1
I initially took out sick pay insurance through LV in March through TopCashBack but the cash back did not track. I opened a claim through the TopCashBack website and waited for this to be resolved. While waiting for this, a much more serious incident happened where they changed my direct debit details without my permission as someone else with a similar name to mine wished to change theirs and their customer service advisor changed mine instead! I contacted them as this is illegal and breaches DPA and it took multiple emails for them to admit what happened and to rectify it. Now, several months on from this, I have chased the missing cashback and this has finally been paid. However, I rang to change the date my direct debit was taken from my account as my pay date was changing and they won't allow this to be done as 'their systems don't allow for any date changes to me made.' I find this ridiculous and have now cancelled my policy with immediate effect. Reviewed on: 10th August 2015
CharlotteEmma's avatar
CharlotteEmma

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