How to choose your car, travel and home insurance

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How to choose car, travel and home insurance

Picking the right provider for all your insurance needs will give you total peace of mind. LV=’s award-winning experts share their tips to help you establish which insurance is best

Price comparison sites make it both easier and harder to decide on which policies you need to protect your car, home, and holidays. With so many options, it can be tough to break through the noise. And cheaper rarely makes for better coverage, potentially costing you dearly in the long run

LV=’s insurance comes from the heart. That could be why they’ve been named Which? Insurance Provider of the Year for 2019. That’s not the only accolade LV= has secured – they’re also YouGov’s Most Recommended and have retained their position in the top 10 for the UK Customer Satisfaction Index (UKCSI) of 2019.

So, they’re perfectly placed to help you think about your own insurance. Here a few key questions to ask yourself when considering a policy or provider.

Are they committed to looking after what you love most in your life?

LV= Travel Insurance

Whichever type of insurance you’re looking for, it’s likely to protect the most important things in your life – your family first, of course, then your own peace of mind, and the investments you’ve made in your home or vehicle. Customer first thinking from your insurer will result in policies that don’t scrimp on the absolute essentials; LV= travel insurance single-trip policies cover travellers of 65 and over, for example. And LV= travel insurance also includes added extras such as cover for delays or cancellations caused by bad weather, ash clouds or strikes.


Read our travel insurance checklist


Can they give you what you want most from an insurer?

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Everyone has different requirements when it comes to the specifics of an insurance policy. You may be one of the growing number of people in the UK who now owns an electric car, for instance. LV= electric car insurance will get you benefits like recovery to the nearest charge point if you run out of charge in the UK – without any excess to pay or a hit to your No Claim Discount. So overall, you need an insurer that provides well thought out, high quality products with lots of flexibility.

Is their customer service top-notch?

LV= Home Insurance

Exceptional products are all well and good. But it’s exceptional service that takes an insurer to the next level, and makes sure that you’re properly looked after when you’re the most in need – like a 24-hour UK emergency helpline for travel and home insurance queries so you can get help in a hurry. 


Car insurance essentials: an uninsured driver promise

You shouldn’t have to pay for damage caused by an uninsured driver. Make sure this is part of your policy for extra peace of mind on the road. With LV= car insurance you won’t lose your No Claim Discount and no excess to pay as long as you have the other driver's details.

Car insurance essentials: rewards for keeping your car safe

LV= Car Insurance

Fitting an alarm or another security device will often reduce your insurance premium, while doing fewer miles overall will also reduce wear and tear on your vehicle and the cost of your insurance. A policy that rewards you for simply being sensible is always a good bet.

Car insurance essentials: Protected No Claim Discount

By adding no claim discount protection to your car insurance, you are allowed to make a claim – usually only a limited number in a certain time period – without affecting your no claim discount at all. Some insurers have special agreements around vandalism damage, too.

With LV= no matter how many claims you make, you won't lose your NCD*

Car insurance essentials: European coverage

Travelling

Drive down the French Riviera or the Amalfi Coast and you’ll meet many a hairpin bend. While some insurers offer third party cover in the EU, you’ll enjoy your holiday more if you can secure the same cover as you have in the UK.

Car insurance essentials: wrong fuel cover

You end up at an unfamiliar fuel station, grab the wrong pump and suddenly your car is entirely – and expensively – out of action. That’s why having a policy benefit covering you from damage caused by putting in the wrong fuel is so useful. It’s not dangerous driving – just human error – and nobody should have to pay through the nose for it.

Car insurance essentials: special insurance for electric cars

Being more responsible generally garners you a better insurance policy. So should making the decision to take care of the environment by driving an electric vehicle. So LV= electric vehicle insurance offers you an exclusive policy benefit: recovery to the nearest charge point if you run out of charge in the UK – without any excess to pay or a hit to your No Claim Discount.

Images © Getty

*Your discount is protected, but your premium may still increase, for example following an accident or a claim.

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