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Companies
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Liverpool Victoria
Liverpool Victoria provides insurance and financial services throughout the United Kingdom. Incorporated under the provisions of the Friendly Societies Act 1992, Liverpool Victoria is the UK's largest Friendly Society and manages more than eight billion pounds on behalf of its customers and members.
A wide range of services are provided through Liverpool Victoria, including investments, savings, life insurance, home insurance, motor insurance, and credit cards. LV also offers financial advice to its members, and believes that the satisfaction and success of its members should come before any other aspect of its business. In March 2007, Liverpool Victoria changed its brand name to "LV=" as an expression of the company’s mutuality.
The Liverpool Victoria companies are all authorised and regulated by the Financial Services Authority, and include Liverpool Victoria Friendly Society Limited, Liverpool Victoria Portfolio Managers Limited, Liverpool Victoria Life Company Limited, Liverpool Victoria Banking Services Limited, and Liverpool Victoria Insurance Company Limited.
Dedicated to both its members and the community, Liverpool Victoria is involved in a number of charitable organizations, including Streetwise. Streetwise strives to raise public awareness of everyday safety and good citizenship issues. To date, more than 30,000 children have visited the Streetwise Safety Centre, which LV built and sponsored.
Becoming a member of Liverpool Victoria Friendly Society Limited entitles you to a number of benefits, including discounts on the company’s insurance and financial services. Additionally, members are able to attend the Society’s formal meetings and vote on all Society matters. The Society, as a mutual organisation, does not have any shareholders. It exists wholly for the benefit of its members.
Liverpool Victoria Car Insurance
Liverpool Victoria provides a No Claim Discount of up to 75 percent, and offers you the flexibility to choose the car insurance cover that suits your particular needs. They offer an online discount for those signing up for new policies, and provide customers with a 24-hour claim service. For customer convenience, their call centre is UK-based.
Liverpool Victoria gives customers several auto cover options including, Third Party Only, Third Party Fire and Theft, and Comprehensive.
Third Party Only Cover provides unlimited third party liability, and includes injury to passengers and damage to third party property. This level of cover also includes a Protected No Claim Discount, which is optional and subject to an additional fee.
Third Party Fire and Theft Cover includes the above, and provides cover in the event of loss or damage to your vehicle from theft or fire. Additionally, audio, telephone, and satellite navigation equipment cover is unlimited as long as the equipment is permanently fitted as standard. If the equipment is of not of standard fit, Liverpool Victoria will pay up to 500 pounds of cover.
Comprehensive Cover offers all of the coverage of the other policies, and includes many additional benefits, including cover for accidental damage, 10,000 pounds in Personal Accident benefits for you or your spouse, up to 200 pounds for personal belongings, and up to 250 pounds per person for medical expenses. Comprehensive Cover will provide new car replacement for cars less than twelve months old.
For customers interested in special cover features or add-ons to their standard cover levels, Liverpool Victoria offers a variety of affordable extras, including temporary car replacement service, up to 180 days of cover when travelling to EU countries, Motor Legal Expenses, and Personal Accident Benefits. Not all extras are available for all policies. It is important to verify that the extras you want are available for your specific cover.
Liverpool Victoria Car Insurance Extras
Sometimes, auto insurance customers may require additional coverage that their standard policy does not provide. Liverpool Victoria offers customers many extras that can be added on to standard policies. This flexibility is one feature that has allowed Liverpool Victoria to maintain its status as a leading insurance provider. The auto insurance cover extras offered by Liverpool Victoria are discussed below.
Temporary Replacement Car Service:
Liverpool Victoria will pay for a temporary replacement car during the time that repairs are being made to your vehicle. This extra costs an additional small premium, and includes insurance cover on the replacement vehicle. The temporary replacement car will be available for your use for up to fourteen days if your vehicle is severely damaged, cannot be driven, or has been stolen.
Protected No Claim Discount:
If you have not filed an insurance claim in four or more years, you can opt for the No Claim Discount. Your No Claim Discount is guaranteed for the life of your policy. You can also choose to protect your No Claim Discount, and your entitlement will not be affected provided you have made no more than two insurance claims in the last five years.
Personal Accident Cover:
Personal Accident covers you and your spouse for up to 100,000 pounds if an injury occurs while travelling in your vehicle. You are also covered should an injury happen while getting in or out of any car. When the injury results in death, loss of sight or limbs, the standard cover provided by Liverpool Victoria will pay 10,000 pounds. Increasing this cover to 100,000 pounds costs only a small additional premium. This extra is only available with the Comprehensive Cover.
180 Days of Cover When Travelling in European Union Countries:
All of the policies offered through Liverpool Victoria provide the minimum compulsory cover required in the EU. However, this insurance cover does not protect you in the event of loss or damage to your vehicle for holders of Comprehensive or Third Party Fire and Theft policies. For an additional premium, you can elect to extend this minimum cover to provide full protection when you are travelling exclusively in EU Countries for up to 180 days straight. This includes the time when your car is being transported.
Motor Legal Expenses:
Liverpool Victoria will pay up to 50,000 pounds for reasonable legal costs incurred from the defence of a motoring prosecution originating from an incident that occurred while you were using your vehicle. This extra will also cover any expenses for pursuing a civil claim for the recovery of losses from an accident involving your car that results in your injury or death.
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