LV= (Liverpool Victoria) has an electric car insurance product that meets the specific needs of UK EV drivers. With a strong focus on customer satisfaction and comprehensive coverage, LV= has crafted an EV insurance policy that stands out for its thoughtful features. In this article, we review the key aspects of LV= Electric Car Insurance.

LV= EV Insurance Coverage Options

LV= offers two primary electric car insurance policies: Third Party, Fire and Theft, and Comprehensive.

Third Party, Fire and Theft

This policy covers essential aspects such as:

Injuries to Others: If you cause injury to a third party in an accident, LV= covers the associated costs.
Damage to Property: LV= will cover up to £20 million in damages if you cause damage to someone else’s property.
Fire Damage: The policy covers repairs or replacement if your car is damaged by fire.
Theft Protection: You are covered if your car is stolen or damaged during an attempted theft.
European Cover: Enjoy the same level of coverage while driving in Europe for up to 180 days.
Driving Other Cars: Eligible drivers can drive other vehicles with third-party cover.

Comprehensive Coverage

The comprehensive policy includes everything in the third party, fire, and theft policy, plus:

Accidental Damage: LV= covers repair costs for accidental damage to your vehicle.
In-Car Equipment: Coverage extends to both manufacturer-fitted and aftermarket equipment, with up to £1,000 for the latter.
New Car Replacement: If your car is written off within its first year, LV= provides a like-for-like replacement.
Medical Expenses: Up to £250 per injured person, with additional coverage for incidents like road rage or aggravated theft.
Personal Accident: Standard coverage of up to £10,000, with optional extended coverage up to £100,000.
Windscreen and Window Repair: Includes coverage for repairs to windscreens and windows.
Onward Travel: Up to £500 for alternative transport or accommodation if you can’t drive your car after an incident.
Key Cover: Covers the costs of replacing lost or stolen keys.
Vandalism and Uninsured Driver Promises: You won’t lose your no-claims bonus if your car is vandalized or if you’re hit by an uninsured driver.

Specialised EV Insurance Options

Battery and Charging Equipment Coverage

LV= Electric Car Insurance has dedicated protection for the essential components of an electric vehicle:

Battery Cover: LV= offers cover for your EV’s battery against accidental damage, fire, and theft.
Charging Equipment: LV= covers charging cables, home chargers, and charging adaptors.

Out of Charge Recovery

Running out of battery is a unique concern for EV owners, and LV= addresses this with its Out of Charge Recovery service. In partnership with AFF, LV= ensures that if your EV runs out of charge, you’ll be swiftly recovered and taken to the nearest charging point in the UK. This service is provided with no excess charges, and it won’t affect your No Claims Discount (NCD).

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Comprehensive Protection Against Accidents and Vandalism

LV= provides extensive coverage to protect your EV from various risks:

Accidental Damage Cover
Whether it’s a minor scratch or a significant dent, LV= covers the costs of repairing your vehicle, ensuring it’s restored to its original condition.
Vandalism Promise
If your vehicle is vandalised, LV= promises that any claims made will not impact your NCD, though an excess payment will still be required.
Uninsured Driver Promise: In the event that you’re involved in an accident with an uninsured driver and it’s not your fault, LV= will protect your NCD and waive the excess, provided you have the necessary details of the other vehicle and driver.

Additional Features Tailored for EV Owners

LV= goes beyond standard car insurance with several features specifically designed for electric vehicles:

Electric Charger Liability Cover: If an accident occurs due to your charging cable while it’s attached to your car, LV= provides liability cover, assuming you’ve taken reasonable precautions to prevent the accident.
Lifetime Repair Guarantee: For long-term peace of mind, LV= offers a lifetime guarantee on repairs made through their recommended repairer service, covering labour costs (parts are excluded).
Optional Electric or Hybrid Hire Car Cover: If your EV is undrivable, LV= offers the option to include a hire car cover, ensuring that you’re provided with an electric or hybrid vehicle while yours is being repaired.

European Coverage and Additional Benefits

LV= Electric Car Insurance also includes several other valuable benefits:

European Cover: Enjoy coverage for up to 180 days a year in the EU, providing the same level of protection as you have in the UK. This is ideal for those who frequently travel across Europe with their EV.
Replacement Child Car Seats: LV= will replace child car seats if your vehicle has been in an accident, even if there’s no visible damage. This ensures the safety of your young passengers.
New Locks and Keys: If your car keys are lost or stolen, LV= provides coverage for replacement locks and keys, offering added security and convenience.

Customer Satisfaction and Recognition

LV= is highly regarded by its customers and industry experts alike:

Defaqto 5 Star Rating
LV= Electric Car Insurance has been awarded the prestigious Defaqto 5 Star Rating, reflecting the high quality and comprehensive nature of its coverage.
Which? Recommended Provider
LV= is recognized as a Which? Recommended Provider for car insurance, underscoring its commitment to customer satisfaction and reliable service.

Making a Claim with LV= Car Insurance

If you need to make a claim with LV=, the process is straightforward:

Ensure Safety: Check that all involved parties are safe and secure.
Gather Details: Exchange insurance details with any other drivers involved and document the scene with notes and photos.
Contact LV= Promptly: Call 0330 678 5550 (UK) or +44 1689 898603 (international) to report the incident and begin your claim. It’s important to notify LV= even if you decide not to proceed with a claim to avoid invalidating your policy.
Follow Next Steps: LV= will guide you through the claims process, including arranging vehicle recovery and repairs if necessary.

How to Cancel LV= Car Insurance

To cancel your LV= car insurance, contact the provider at 0330 678 5111. Cancellation fees are as follows:

Within 14 Days: No fee.
After 14 Days: £40 fee applies.

Customer Support and Contact Information

LV= offers multiple ways to get in touch for non-claim related inquiries:

Phone: 0330 678 5222, available Monday to Friday, 8am to 8pm; Saturdays and Bank Holidays, 9am to 5pm; Sundays, 10am to 4pm.
Live Chat: Available during the same hours as phone support.
Complaints: For sales and service complaints, call 0330 678 5111 or email [email protected]. For claims complaints, call 0330 678 5578 or email [email protected].

Why Choose LV= Electric Car Insurance?

LV= Electric Car Insurance is designed with the needs of EV owners in mind, offering EV cover that includes battery and charging equipment protection, out-of-charge recovery, and liability cover for charging cables. With additional features like the Vandalism Promise, Uninsured Driver Promise, and European coverage, LV= provides peace of mind for EV drivers both at home and abroad.

Coupled with a lifetime guarantee on repairs and the option for a hire car, LV= ensures that you’re well-supported in any situation.

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John Ellmore

John is the Editor and Spokesperson for Electric Car Guide.

With over 20 years of writing experience, he has written for titles such as City AM, FE News and NerdWallet.com, covering various automotive and personal finance topics.

John’s market commentary has been covered by the likes of The Express, The Independent, Yahoo Finance and The Evening Standard.