Lv Homeinsurance Quotes Reviews 

Just had an email from LV begging me to return to them for home insurance , Its over 4years since I last had a policy with them although I do shop around for best value for money ) not necessarly for the cheapest.

LV quoted £1400 + in the begging e mail . My current provider quoted £580 for better cover and only £23 more than last year.

Shop around. LV wont be on it.

We have been customers of LV Insurance for many years, only having had to make one claim over 5 years ago. This year they have decided to increase our premium by 150% , after trying to discuss this with them they claim this is just in line with market increases.
I would suggest avoiding at all costs, as if people aren't vigilant and auto renew they will be being ripped off.

I made several phone calls with LV and went at length in providing my details to get an accurate quote over the one single policy I referred them to each time. They provided a competitive quotes which I purchased in the end. Gladly I reviewed the policy when arrived in mail and found number of incorrect critical info. which I then called them back to ask why the inaccurancy and asked them to update the correct info. They then trible the quotations and asked me to pay more. They said they picked and chose, captured only some info from our first conversation, and some from the last; and some excluded; thus requiring the update and new quotes! They lured me into buying the policy; and manipulated around the info I provided; later on said invalid and increased the quote by 3 times more; or if one day I need to make claims they would say invalid policy due to incorrect info they deliberately exclude in the first place; thus to get away the liability for policy.

ABSOLUTELY NIGHTMARE👺 LIES Claim manipulation and stalling lv home opinions B GROUP even sent complete lies to financial ombudsman to delay waited 1 year to be notified by post NEVER AGAIN

been with lv for years new policy was £813.55 up from £550.34 disgusting rise. when i went on line to do a new policy with lv it dropped to £235.23 what a con you should be shut down

Having been with them for many years, really unexpected renewal quote received, with a 35% increase. I haven't made a claim, take a £500 excess, I thought inflation is running around 3.5% and I haven't noticed an increase in my pension of 35%! Absolute clowns!

Be careful when choosing home cover, I can’t believe the way we have been treated by LV, policy says we have storm cover but apparently we don’t, read everything very carefully and pray you never have to make a claim.

Rubbish dont want to pay for anything you claim absolute con.

I received my renewal from LV, the premium had risen by over £97in a year. I started a claim for subsidence,due to climatic change in 2022. Claim all now settled, but not without a very long and drawn out time, caused by the middle man company that LV use, 360 Globalnet, they were TERRIBLE and EXTREMELY incompetent. I had to contact them SO many times to get things done. The first man who visited to produce the original report included photographs of the extension upside down, the location map did not even show my property. The second Globalnet employee who came to assess the damage to the extension asked me to sign paperwork that claimed he worked for Direct Line, not LV. So much incompetence, when the claim was finally completed I did write a letter of complaint to LV. Maybe that’s why my renewal price has shot up to over £500!! On the new policy documents, I find I am now expected to pay for cover for plants in the garden,(no plants to the value of £2,500) contents in the garden,Tenants cover(NO tenants live here) Employers Liability(NO one employed here!)and then to top it all, Contents at University/college!!.. When my kids went to University/college, many years ago now, I had to pay a seperate policy to cover their belongings! So why am I now expected to pay a premium that covers stuff for students!! LV have 'got me over a barrel' as I can't really risk insuring elsewhere, because of the subsidence claim. When I see LV advertising on TV for such low premiums, I’d like to get in touch with LV and dispute their advertising! Feeling very disappointed.

How does this company have 3 stars when all reviews give a single star?
this throws shade on the trustpilot system as far as I'm concerned.
I have a claim open with LV home insurance since February. I have been put in the hands of Masterfix - I don't have time to describe how bad they have been. Suffice to say it's end of May now and Masterfix has promised me (for the umpteenth time) that I will have a comprehensive scope of works sent to me on 6th June.
complaining to LV has not helped. They offer no other contractor.
I can obviously use my own builder but my own contractor estimates the job at Ca £30k and Masterfix has quoted £9K. So the lower amount is all I'm being offered to pay my own contractor.
I believe both LV and Masterfix to be among the worst companies I've ever had the misfortune to be involved with.
Avoid both at all cost.

ABSOLUTE DISASTER of a company… Wouldn’t have given any stars but couldn’t write a review until I’d done so!

Had thought we were just unlucky with the trouble we’ve been having with this company.. however, having just read a previous review it’s staggering just how similar our stories are.

2023.. We’d been away from home over the summer months,
returning 1st November. It was immediately evident that we had a problem with the central heating and the following day had it confirmed by a professional that we had a leak somewhere in the system..

I immediately contacted LV to forewarn them that we had a problem and to seek advice as to how to proceed. Initially all went smoothly.. we engaged a loss assessor to work with their loss assessor, and all progressed without issue.

Unexpectedly, several months into the process LV decided to change their loss assessor, without notice or explanation. A Chris Doherty from Sedgwick’s (Belfast) took control of our claim and frustratingly the process of visits and inspections started all over again. To our disbelief he totally contradicted that of the previous loss assessor, our plumber and electrician!

We’re now sixteen months in and counting, living with intermittent heating/hot water and electrics that trip the whole house if/when the heating is turned on.

We have suffered delay after delay and despite engaging a solicitor to push things forward LV continues to drag their heels..

Advice to anyone STAY CLEAR!

I wanted a quote from LV for my home. After giving details about my home, they had told me that they cannot insure my home as the underwriting had certain criteria which they had to comply with. I tried to find out what it was but was told that this is not for public use. Very angry as I think it’s discrimination on postcodes.

I have a claim with LV for an escape of water going on from December 2022 and it has been delay after delay with Sedgwicks department in Belfast.
I self-reported the claim and then decided to employ a Loss assessor to work on my behalf. I am 58 and my husband is 59. Our Bungalow was affected with a water leak, and it started off normal I suppose with my employed loss assessor meeting a Sedgwicks representative at my house on 15th March 2023 and showing him the damage and what was required to be done.
My loss Assessor explained that we were in the vulnerable category and would require Alternative Accommodation cover which was agreed on 12th April that I should get 6 months Alternative Accommodation, and we received these funds via BACS transfer.
From then it has just been constant delays, they take forever to reply to emails with the first offer not coming until 1st June 2023 of with numerous items not allowed for. Second offer came on 1st August 2023 for and was refused again and then Sedgwicks employed an independent company to come and have a look at property and a new lower offer on 4th October 2023 was proposed and rejected due to sufficient items again not allowed for.
When I thought it looked like it was getting some attention the Sedgwicks department manager asked to visit the property with my employed loss Assessor on 27th October 2023, on that visit she promised me and my husband that she will make it a priority and it would be sorted shortly.
As all this was happening, I was paying the rent of the alternative Accommodation from my own money, I had paid a substantial amount of money to mitigate my property and had hired a container to store some of my contents. My loss assessor had chased for further AA funds to be released and we kept getting same response that it was with insurers.
I then involved my solicitor to help in the matter and next correspondence we received was from an investigator from Sedgwicks to discuss why I require AA and that the claim will not be dealt with until after interview on16th January 2024 as there was observations made by their loss adjusters.
We had to produce all paperwork from March 2023, tenancy agreements, receipts, container hire receipts, along with all corresponding Bank statements to match payments. All of the above were passed on through my employed loss assessor and the investigator advised on 16th February that this was now being past back to original Adjuster
After further delays and passing claim over and back a new improved offer of was proposed but again rejected due to no detail on specific items and also items again missing from their scope.
Again, payment was chased for my outstanding money which I had paid from my own money for rent and other bills in regard to the claim. I received a payment of on 25th April 2024, at this stage I had paid further bills and was still due a further I then received a on 14th June 2024 which cleared all my bills and is including rent until September 2024.
Amidst of all this Ashley McMinn emailed me on 25th April to say
It took until 21st May for them to attend and onsite he agreed with my employed loss assessor that a further 2 rooms were now affected.
After more delays it took until the 1st July 2024 to receive the independent building surveyors report with no costs. We then received a new offer on 8th July 2024 of. Which has been questioned due to its vagueness and again not fully detailed. It is just a round number with no detail as to what has been allowed towards certain items or even what has been allowed per room.
All the while I am still no further on paying rent, container hire, electric in 2 houses and topping up central heating oil in 2 houses. I am at my lowest point, mine and my husband’s heath have severely deteriorated during this period, and we have both been hospitalised and all during this Sedgwicks don’t seem to care one bit, so much for their logo Caring Counts.
It is now18 months and all we want is for us and our home property to be treated with the respect and paid to put it back to the way it was.
As far as I can see Sedgwicks employ someone to look at it, the job becomes too big for them, and they stop replying to emails hoping it goes away and then someone higher up does the same and so on. I don’t understand how the first offer is nearly half of the 5th offer someone clearly doesn’t know how to do their job. Then on the money I was out of pocket again they didn’t care what financial position they were putting me in.
Also, I don’t understand why they are knit picking at how much it costs to pay for repairs to my property when they have paid me £12,600 for 18 months’ rent and works are still yet to commence my property.
I don’t know how insurers can justify their rates when all this money has been wasted on dead rent and could have been put to good use but for Sedgwicks in competence.