LV= Car Insurance offers an attractive comprehensive plan starting at only £349, making car cover more affordable for UK drivers. Online discounts are available, with 10% of new customers securing deals at this low price between January and June 2025. The cover includes windscreen repair, theft, vandalism protection, new locks and keys, and an uninsured driver promise. Customers also benefit from a no claims discount that remains unaffected after certain claims, and a lifetime guarantee on repairs at recommended garages. Optional extras like legal expenses and breakdown cover can be added.

How to Purchase: Step-by-Step

First, prepare your personal details, driver’s licence, and car information. Have your claims history and estimated mileage ready for a smooth application process.

Second, visit the LV= Car Insurance website and fill in the quote form. Enter all requested information accurately to get the best possible price.

Next, review your tailored quote, adjusting cover options and extras to suit your needs. Check for any online discount currently available before accepting your quote.

Proceed to payment using your chosen method. Once payment is complete, you’ll receive your policy documents and coverage starts as soon as arranged.

If you want to add extras like breakdown cover or legal cover, include them during the sign-up process for one consolidated premium.

Highlights: Pros

One standout benefit is the affordability. With starting prices from £349, many UK drivers will find this premium competitive, especially with the added online discount.

LV= holds a 5 Star Defaqto rating for the 21st consecutive year, giving peace of mind that their policies and customer service are of high quality.

Another advantage is the lifetime guarantee on repairs provided you use their recommended repairers. That’s a significant long-term benefit for policyholders.

The policy is highly customisable. Optional extras like protected no claim discount and guaranteed hire car can be added according to your particular needs and priorities.

Customer satisfaction is evident, with LV= consistently rated ‘Excellent’ on Trustpilot and Feefo. This independent recognition adds trust to their offering.

Concerns: Cons

The lowest quoted price is only available to a portion of new customers, based on recent sign-up data. Individual quotes may therefore vary considerably.

Certain vehicles and circumstances are excluded, such as cars not named on the policy, specific vehicle types, or those with non-standard modifications.

Not all options come included as standard—many valuable benefits, such as breakdown cover or higher accident cover, will increase the final price.

Policy admin fees apply for changes, such as adding or removing a driver. The cancellation charge after the initial 14-day period also reduces refunds for early cancellation.

Multi-car cover is an option, but flexibility has its limits and policyholders should check the restrictions on temporary adjustments or driver additions.

Verdict: Is LV= Car Insurance Right for You?

LV= Car Insurance is a strong option for UK drivers prioritising robust cover and a reliable insurer at a competitive starting price. The wide range of extras and high customer satisfaction ratings make it an attractive choice. While costs and eligibility may vary, the overall package delivers good value, especially if you qualify for the lower premiums and online discounts.