I didn’t really have a problem until I had to contact them, I cancelled a policy mid-term and they gave me a small refund, however when they told me they will refund me I told them the account I paid them with was closed so I wouldn’t receive it. Any normal person would probably try to get the refund to me some other way (cheque) Not LV they told me they must send it to my closed account even though I cannot access it and it will only bounce back to them. This meant I had to call my bank to find the payment, so I called the bank unfortunately they couldn’t help over the phone, so I had to go into my branch who then said LV are making things hard and all they could do is bounce it back to them. I called LV who told me it will now take 2 weeks to bounce back. Then they told me I need to call every day for two weeks to check its back with them. It takes 20 mins to get through to them and when you speak to someone they are quite awful. Now they insisted on this because of money laundering regulations, the refund is £130 it is a joke they said they must do this?? Now I have checked the regulation and it recommends taking extra care refunding people however it only applies to high sums. And high-risk transactions say I wanted the refund into a bank in Africa or Columbia. LV have zero common sense I would never recommend them their customer service is very poor. If they can get out of helping you, they will, and they tend to talk over you on the phone very rude.