LV= Reviews

Name: LV=
Rating: 2.71

2.7 Rating 338 Reviews

43 %

of reviewers recommend LV=

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2.7

Based on 338 reviews

Customer Service
Communication Channels	Telephone, Email
Queries Resolved In	Over A Week

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nick.joy@lv.co.uk

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Lee

Mohammed D Hussain

Anonymous

Anonymous // 01/01/2019

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“Had a minor car accident which was not my fault. Phoned LV first question was is every one ok? which was good cars can be repaired people take longer. Had a phone call after to go through the claim very easy to deal with was informed within a few hours that my car would be repaired FOC was up-graded on the loan vehicle and was kept informed of all progress. Car now back looking as good as new. Many thanks”

Helpful Report

Posted 6 years ago

“I am writing to formally express my deep dissatisfaction with the way my home insurance claim has been handled by LV= over the past nine months. Despite this being a high-value claim backed by extensive evidence, including indoor and outdoor CCTV footage of the entire burglary, my experience with your company has been nothing short of exhausting, unnecessarily protracted, and deeply disappointing. Background The burglary at my home occurred while I was abroad on holiday in Malaysia and was reported to LV= within 24 hours of its occurrence, despite the difficulties of managing this from overseas. The incident was also reported to the police the same day. CCTV footage was provided to your appointed loss adjusters, Woodgate & Clark, almost immediately. Despite this, the claim process has been severely delayed at every stage. The original claim was split into two parts: 1. Clothing 2. Jewellery, watches, and named high-value items Rather than processing these simultaneously — which would be expected for efficiency and customer care — LV chose to investigate each separately, further extending the timeline. It took over six months for the clothing portion to be resolved, only after relentless chasing, complaints, and repeated follow-ups from me. Ongoing Delays & Poor Communication The jewellery and watches segment of my claim — clearly listed and insured as named items — remains unresolved almost 10 months after the burglary. A cash settlement figure for this was agreed nearly three weeks ago, and I was advised by my loss adjuster at Woodgate & Clark that the payment would be in my account by the following Friday. It is still outstanding. During this period, I have been forced to repeatedly email, call, chase and escalate at every step of the process. I cannot overstate the amount of time and stress this has cost me. The burden of progressing the claim has effectively fallen on me, with little to no proactive communication from LV or Woodgate & Clark unless prompted. Complaint Handling I formally raised a complaint with LV= around four months into the claim, and only received a response last week — several months later. In this, LV acknowledged that elements of the claim had not been handled in a timely manner and offered a £350 goodwill payment as a result. While the gesture is noted, it does not adequately compensate for the emotional toll, disruption to my life, and excessive time investment that your poor handling of this case has caused. Nor does it undo the fact that I’ve had to live without adequate contents insurance, as the burglary caused my policy to lapse and has since prevented me from taking out a new policy — something I clearly communicated to your team. Final Thoughts LV’s performance throughout this claim has been woefully below the standard expected from a company once rated among the UK’s best home insurance providers. While your staff were happy to accept increased premiums for named items on the policy, their handling of the claim when it mattered has demonstrated a lack of care, urgency, and coordination. To this day, had I not had full CCTV evidence, I strongly suspect the process would have been even more obstructive. I worry deeply for other genuine claimants who may not have been in as strong a position to prove their losses. Frankly, I feel undervalued, dismissed, and disrespected as a customer. This experience has completely eroded any trust I once had in LV=, and I will never insure with your company again. I’ve advised friends, family, and colleagues to avoid your services, and I will continue to share my experience to warn others.”

Helpful Report

Posted 1 month ago

“Got a quote which lasted for 3 weeks- all OK then a new quote they refused cover. ??? No difference details apart from the policy date. Rubbish company.”

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Posted 2 months ago

“TV advert misleading Two years running my premium went up by almost 50%. Clean licence, 50 years without a claim.”

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Posted 3 months ago

“Boiler has broken, no hot water or heating and theres the smell of gass. Theres a child in the home and I have "emergancy cover". After being passed around on the phone with no help in the late hours of last night, I was told to ring back this morning. Rang back this morning to the same problem. Aweful customer service and the emergancy cover that I pay is clearly useless with this company. I will not use them again.”

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Posted 3 months ago

“Tony, tony*jack*son*3330*@gmail*.com* made the recovery process seamless—got all my lost funds back!"”

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Posted 4 months ago

“Why bother? Dreadful treatment. After recent horrendous storm, they refused to pay for roof repairs. We were offered a pittance over the phone. We couldn't accept as we couldn't see how bad the damage was . They sent someone to take photos with a camera on a stick. First comment was that we had moss and this was the major cause of the damage, not the storm. Unfortunately we have just renewed insurance which is extremely worrying as we are nervous of any further issues arising that may require a claim.”

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Posted 5 months ago

“Absolutely disturbing practice😡 Cancelled my insurance with 5 Months remaining & got told no refund available,...akin to thieves,would NOT recommend to anyone!”

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Posted 5 months ago

“Can't believe my renewal price for coming year £396 from £165 last year very good company but not happy with this started to look elsewhere”

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Posted 5 months ago

“I have been waiting for 5 months for my car to be fixed. I have been lied to, for 3 weeks LV lost my car, they canceled the claim so i had to hire a car then reinstated the claim, agreed to pay the hire car back then delayed this. Quoted FCA regulations which dont even exisit. Basically if they acn lie and delay and push you away they will. Lets hope the FCA do what they say and investigate them properly !”

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Posted 5 months ago

“Avoid very poor service”

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Posted 5 months ago

“Absolute joke. They will find every possible excuse not to pay out. Don't waste your time or money. SCAM”

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Posted 5 months ago

“First and only Home insurance company Ive come across so far which declined to insure my bungalow "because it has oil fired Central heating " what ?? Needless to say I moved on to an insurance company thats on planet earth ! Waste of my time and effort !”

Helpful Report

Posted 5 months ago

“Had been with lv for car & house insurance for a few years,you’d think they would look after their customers but no,they try to rip you off,car insurance has gone down 16% this year,lv wanted another £40 on top of last years price,£540,go compare site had several well under £400,have paid £373 with a viva zero,would not consider lv for anything else.”

Helpful Report

Posted 5 months ago

““C=O=V=S=E=C=L=T=D=C=O=M have provided an excellent service throughout. Very professional, helpful and speedy process. Highly recommend.”

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Posted 6 months ago

“Shady practices from LV=. Made a car insurance quote on a comparison website and found that LV= offered the lowest price. Call them today to pay for this quote when the guy decided to go over the quote and ask questions including the fact that I wanted the documents by post. Do I really need to tell that twice? Anyway, after a while, he said that the price of £760 for the initial quote was void because of my conviction and that the new price is now more than £900. He actually used the conviction that I already reported on the quote to extorts more money from me. No chance. Good thing this happened so early, this shady company does not honour their quotes and who knows what other surprises they had in store down the line. Not for me that’s for sure.”

Helpful Report

Posted 6 months ago

“Received this year's quote,pleased with quote BUT we had accident in car B so wanted to inform Lv,that where we are not happy,phone spoke to a lady who couldn't speak understandable English and couldn't grasp we wanted to declare the accident in carB.”

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Posted 6 months ago

“Had subsidence on my property that I have building insurance with this company ..the stress this company caused is unbelievable their Rottweiler sister company Sedgwick were unhelpful ..uncaring..being on the phone for hours not calling back changing the person on the case multiple times …no notes made from previous handlers or phone calls and found every excuse not to pay this is a legal criminal company don’t go near them”

Helpful Report

Posted 6 months ago

“Was with there for home insurance but it went up from sau 14 to 20 pcm with full no claims, and they auto renewed and when I challenged it they said there would be a big fee to pay to leave, so I left it. They were not helpfull at all, and I left it, to then cancel in Dec 2024 saving 7 pound a month easily for same cover. They then charged 21 pounds to leave but we were in the 14 day? Cool off period still. Would never use again, big corporate attitude, had enough in my life of that.”

Helpful Report

Posted 6 months ago

“My car insurance has gone up by over a £100-00 for no reason. I have paid for my car insurance compère the market.com. But I have no proof that it’s go through.”

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Posted 6 months ago

“I am finding it very difficult and frustrating just trying to talk to anyone at LV. They don't even have an email or postal address I can write to.”

Helpful Report

Posted 7 months ago

LV= is rated 2.7 based on 338 reviews