LV= Car Insurance

LV= Car Insurance

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Insurance Offered
Third Party Fire & Theft and Comprehensive Cover
Multi Car Discount
Online Discount
Yes
Uninsured Driver Promise

LV Car Insurance

Insurance Offered
Third Party Fire & Theft and Comprehensive Cover
Multi Car Discount
Offer
From £14.50
per month*
Uninsured Driver Promise

AVIVA Plus Car Insurance

Pay monthly, interest free. Spread the cost without paying more.

£50 Cashback available for purchasing policy. T’s and C’s apply
Insurance Offered
Third Party Fire & Theft and Comprehensive Cover
Multi Car Discount
Offer
From £14.50
per month*
Uninsured Driver Promise

AVIVA Plus Car Insurance

Pay monthly, interest free. Spread the cost without paying more.

£50 Cashback available for purchasing policy. T’s and C’s apply
Cover Term
1 to 90 Days
Applicable Age
17 - 22
Details

Tempcover Learner Car Insurance

Cover Term
1 to 28 Days
Applicable Age
18 - 78
Details
Instant Cover

Tempcover Car Insurance

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Breakdown Policy
Roadside, Cover at Home, National Recovery & Onward Travel
Add Personal Cover From
£20 annual*
Special Offer
50% off
your AA or RAC renewal quote**
Roadside Assistance
National Recovery

Green Flag Breakdown Insurance

*10% of online customers within each level of cover achieve these prices or less. Personal cover is in addition to your vehicle cover premium
**For vehicles 10 years & under on our closest equivalent UK vehicle cover.   Underwritten by U K Insurance Limited

LV Car Insurance

LV= comprehensive 5 star rated car insurance includes a range of features such as:

  • Awarded 5 Stars by Defaqto.
  • Accidental damage to your car
  • New locks and keys if your keys are lost or stolen
  • Unlimited cover for factory fitted phone, audio and sat nav equipment
  • A new-for-old car replacement if yours is less than 12 months old
  • Damage cover if you use the wrong fuel
  • £10,000 personal accident cover if you, your partner, or a named driver are injured
  • Replacement child car seats
  • £300 cover for personal belongings in your car
  • European car insurance cover

You can also choose from a range of optional extras to enhance your LV= car insurance, such as:

  • Motor legal assistance – get up to £100,000 in cover to help you recover uninsured losses such as compensation for personal injury or hire car costs while your car is at the garage, or to defend a motoring prosecution arising from an accident while you were using your car
  • Guaranteed hire car – if your own car needs repair, or has been stolen or written off
  • £100,000 personal accident cover – cover for you or your partner if you suffer a serious injury
  • Breakdown cover from £25
  • Option to protect your no claim discount for the life of your policy

With LV= Car Insurance you can choose from two different types of cover, each with its own features, costs and benefits, which means you can choose the right level of car cover to suit you. The two types of car insurance available from LV= are:

  • Comprehensive Cover – This type of car insurance covers you and your vehicle for any accident, whether it was your fault or not.
  • Third Party Fire and Theft – This type of car insurance covers you and your vehicle if it is stolen or damaged by fire. It also covers you for damages to the other person and their car if you are involved in an accident and it is your fault.

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Compare Car Insurance

Car Insurance in the UK is compulsory under the 1988 Road Traffic Act and it is an offence to take a car onto a public highway without at least third party insurance in place.

Most basic car insurance policies cover third party, fire and theft covering third party liabilities as well as damage to the car caused by fire or loss due to theft. Comprehensive car insurance which is more expensive covers third party, fire and theft but also covers any damage caused by the driver to the car being driven.

According to the Motor Insurers Bureau uninsured drivers (approximately two million motorists according to the department of transport) inflict approximately £380 million of damage on UK roads which is passed on in higher insurance premiums.

Under the law a car must have a valid car insurance policy if it is taxed or not or whether it is kept on a public highway or not and whether it is driven or not.

If a car is not being used its tax disc must be redeemed and the relevent declaration (SORN) completed to confirm that the car is being kept off public roads. The scheme will provide a new fixed penalty for people who ignore official reminders that their insurance has expired. the maximum penalty for offenders is £5,000 and an automatic endorsement of your driver license with 6 to 8 penalty points.

See below for different types of car insurance:

Type of Car Insurance

Car Insurance Features

Comprehensive Car Insurance

As the name suggests provides cover both to third parties but also to you and your own car and passengers in the event of an accident. This type of cover usually allows you to drive another car (may only be on a third party basis).

Car Legal Expenses Insurance

Normally sold as an add on to car insurance and provides legal expense cover in the event of a dispute e.g. if you are in an accident that is not your fault you may wish to claim back uninsured losses and legal expense cover will help you fund the legal costs.

Third Party Car Insurance

Third party car insurance is the minimum cover required by UK law on a vehicle used ona public highway. If you have an accident this cover will protect you from having to pay for damage to other vehicles. You cannot make a claim against your own vehicle.

Third Party Fire and Theft Car Insurance

In addition to covering third party liabilites this cover also provides financial protection in the event of damage to your car in the event of fire or loss due to theft.

As with many things in life the more time you put into something the more you will get out and with buying car insurance spending some time understanding what to look out for can save you both time and money in the long run and should ensure that you end up with the right cover.

Things to consider:

Age

If you are under 25 you will generally pay more for car insurance. For teenagers the cost of car insurance can be very high. Some insurers provide young driver car insurance schemes e.g. The Co-op and Young Marmalade provide specialist insurance for younger drivers

Voluntary Excess

To keep the cost of car insurance down many insurers provide you with the option of a voluntary excess on any claim. This is paid over and above any compulsory excess on the policy.

Gender

In the past specialist women’s car insurance providers could offer a better deal. Women generally tend to make less expensive claims than men, and so insurance companies historically reflected this in offering cheaper premiums. However, in March 2012, the European Court of Justice ruled that insurance providers cannot discriminate on gender. This ruling came into effect from December 2012.

Car Mileage

Some car insurers will adjust their car insurance premium based on the mileage you do. It is important you give an accurate indication of expected annual mileage to ensure you are not paying more than you need to.   Check with your existing car insurer (if relevant) – If you already have an existing car check with your existing insurer about adding a second car onto the policy. Some car insurance companies will provide you with a discount for including a second vehicle – often called multi car insurance.

Using a Comparison website

Online comparison websites provide a useful and easy way of getting car insurance quotes. No car insurance comparison website covers the whole market so it makes sense to use more than one source to ensure you are getting the right cover at the right price. You should also note that some insurance companies do not appear on comparison websites e.g. Direct Line Car Insurance and Aviva Car Insurance

Using a Car Insurance broker

If you are not sure what cover you need or want somebody to help you through the process there are many car insurance brokers who will be happy to help. A good insurance broker will not help you in buying car insurance but also provide support in the event that you need to make a claim.If you intend to use a broker you should check their FCA (Financial Conduct Authority) registration on the FCA website.

Providing correct information

In assessing the insurance risk an insurance company will rely on the information that you give as being accurate. Information provided will determine whether insurance is provided and the cost of premiums. It is therefore important that any information you provide is correct e.g. information on any driving offences where you have been given points can have a material impact on the premium you are required to pay. Non disclosure of such information at the time of application can result in a non payout in the event of a claim. If you are using a car insurance broker this is where valuable advice can be provided.

Cheapest is not always best

With insurance you generally get what you pay for so before you sign up to an insurance policy you should be aware of what you are covered for and what is excluded. You should consider what you need and ensure you are adequately covered. This may mean you have to pay more to get what you want.

Automatic Renewal

When you buy car insurance and you pay by direct debit some insurance companies will automatically renew your car insurance policy at the renewal date. You should receive a written notice of the car insurance renewal and any increase in the premium. If you are not happy you need to be proactive and shop around before the renewal date and cancel the existing policy before renewal.

Changing your mind

You have the right to change your mind within a set period normally 14 days from purchase of the car insurance policy and have your money returned.