I took Income protection with LV. Four months before Christmas I went out of work injured. Dragged the claim on right up until February the following year then told me they wouldn’t pay me even though my injure was legitimate. X-Rays, doctors, physio and they made me wait six months before telling me they wouldn’t be paying and I can have my premiums back. Absolutely disgusting behaviour. Left me with no money and struggling over Christmas with four kids to care for. Filth of the earth. If there was a minus 10 stars, I’d click that. STAY AWAY!! FAMIUS FOR NOT PAYING OUT!!