Iv been with LV for six years or so, and agree what other people have said which is you don’t know how good they are till you need to make a claim! I found them so unhelpful and incompetent after making a claim (a women went over a red light crashing into the side of our car ) and we have had to do all the phoning and chasing up it is still ongoing from February with no end in sight. I also cancelled my insurance by telephone and kept getting letters saying my direct debit hadn’t been paid ,when I phoned them I was told they had no trace of the call and basically I was Lying and still owed them 92 pounds . I would never use this company again !!