Truly awful, incompetant service. They're great until something happens and then you see what they're really like. I had a driver go into the back of me at a junction. Also had an independent witness. Gave all the details to lv immediately, but they never bothered to contact the witness until 2 MONTHS after the incident, by which time the witness obviously did not want to know. The other insurers attempted to claim I rolled back, which is laughable, but LV just gave in and settled 50/50. They have covered my excess and labelled it as no fault, but it really gives ZERO confidence in their ability to deal with any sort of a claim in future. I complained, but although I had specifically asked that they contact me by email, they attempted to ring me twice, leaving garbled messages that none of us could entirely decipher. They eventually replied by letter (not email for some reason), but didn't really answer my questions and it doesn't seem to have been registered as a complaint as they make no reference to this. They also made no attempt to explain things, or to encourage me to have any confidence in their service. The letter invited me to go back to them if I 'had any questions' but left no direct contact (email or phone) details. Avoid!