How to make a claim with LV Insurance


Why you may not want to claim on your insurance after a no-fault accident. Compare our services to those provided in your policy, contact us today.



Get free independent alternative advice by calling Car Call today on the number above and compare our services to that of your insurance company after an accident.

Should you need to make an accident claim with LV insurance, you would typically contact their claims team by phone and they will take your details and begin the claims process for you.

If you did not cause the accident yourself, you may still unfortunately be asked to pay the excess on your policy. Here at Car Call We and our partners help thousands of motorists every year make their claims independently of their insurers, so you will almost certainly not have to pay the excess on your policy.

To find out more just call 0330 058 1704 and we will be happy to help.


How can I make a claim without my insurer?

Your insurer will be notified of your accident as required by law; however it will only be for information purposes only. This means that there is an alternative to a claim on your own insurance policy.

We will then organise the delivery of your replacement vehicle, your repairs and any other services you need. When your claim is complete we will simply recover the costs directly from the at-fault driver's insurer.


So how does this work?

Depending on the circumstances of your accident, we could arrange the following accident services for you.

If your vehicle has been damaged, you would want it to be repaired to a high standard. Our UK network of approved accident repair centres help our customers get the kind of high quality repairs they expect.

What's more, we can even arrange to have your vehicle repaired at a suitably equipped garage of your own choice - it's up to you.

If your vehicle is assessed to be un-drivable, this means that is not in a safe condition to drive legally on the road. In this situation we and our partners can provide you with a temporary like-for-like replacement vehicle, as soon as you need it.

Should your vehicle be deemed safe to drive - but in need of repair, we can supply you with a like-for-like replacement for the duration of your repairs.

If your vehicle is assessed to be un-economic to repair or in other words - a total loss, you can use your replacement for up to 7 days after you get your settlement cheque. This gives you time to arrange for a suitable permanent replacement.

Worried about legal issues following the accident? No problem. The solicitors we work with can deal with many of the common issues associated with road accident claims, including injury compensation, loss of earnings or valued possessions.

Our friendly UK based claims team will deal will all aspects of your claim for you, keeping you informed at every stage of the process.

We and our partners take care of everything for you, with no hassle and no fuss.

If you would like to know more about any of our services, please give us a call on 0330 058 1704 and we will be happy to help.

Any policyholder can use this service, and it is your legal right to choose who repairs your vehicle. All assistance offered and information given on this page is provided by Car Call and its partners , no association or affiliation to any particular insurer is intended in any way, and your statutory rights are unaffected.


No need to claim on your insurance

Anyone who has been involved in a road accident has the right to choose who repairs their vehicle. If you were responsible for the accident you were involved in, the company that insures your vehicle would normally deal with your accident claim.

However if you were not at-fault for the accident, you can choose to either claim on your own insurance policy or make a claim independently of your insurer. To find out more call 02392 484 244 and we will be happy to help.

We and our partners help thousands of people make independent accident claims. Our service enables motorists to get the help and assistance they need to resolve their accident related issues, with the costs being recovered directly from the at-fault driver on your behalf.

No excess to pay

Unfortunately even if an accident was not your fault, your insurer will almost certainly require you to pay your excess before any repair is started on your car.

This money should of course be recovered by an insurer at a later date, but with our service - you do not have to pay it at all.

By using our independent claims service, you are not making a claim on your insurance policy and so you will have no excess to pay.

Receive a like-for-like replacement hire vehicle

Not all insurance policies will include a replacement hire-car for you to use if yours is damaged and unroadworthy. In fact it is typically an 'optional extra' on your policy.

Other policies may offer a 'courtesy car' but this is often just a 'basic' saloon or hatchback which may not be suitable for your needs.

Car Call and its partners will provide a like-for-like replacement vehicle as part of our service. This means we will endeavour to supply a hire-vehicle that similar to your own in terms of its type, make and engine size.

So whether you drive a small hatchback or a prestige sports car, we will look to provide a similar hire-vehicle that suits your needs.

Manufacturer approved vehicle repairs

If you have been involved in a car accident, the last thing you want to have to worry about is the quality of the repairs to your car. We have a UK wide network of partner approved Accident Repair Centres available to all of our customers.

Many of our accident repair centres are have manufacturer approvals for specific brands, so if you require a manufacturer approved repair centre, simply tell your personal claim handler and they will ensure your vehicle goes to an approved repairer.

Want you vehicle repaired by a specific garage? No problem, we can alternatively use a repairer that you specify.

Legal Assistance

Our partner solicitors provide legal assistance as part of our service. They specialise in motor claims related issues, so you can be assured of the best possible advice and assistance.

They issues they can assist you with include:

  • Recovery of the cost of the replacement hire-vehicle
  • Recovery of the cost of uplifting your damaged vehicle
  • Recovery of all repair costs
  • Recovery of the cost of damaged of personal items
  • Seeking financial compensation for an injury