Home insurance

Protect your home, your personal belongings, or a combination of both with buildings and contents insurance. Underwritten by LV=.

LV= logo

New customers looking for home insurance

With LV= home insurance cover, you'll:

  • Get a quick quote within minutes by answering five questions

  • Have no interest charged when paying monthly

  • Have access to call lines 24/7, 365 days of the year

  • Be covered by one of the UK's largest personal lines insurers with 180 years of history in the UK

  • Get home emergency and accidental damage cover if you choose Home Cover Extra.

Existing home insurance customers

If you’ve already purchased a home insurance policy through us, you can:

  • Access all your documents through the LV= insurance portal

  • Manage your contact details and online account

  • Make a claim over the phone.

Compare home insurance cover options

You can get a buildings-only or contents-only policy, or get combined building and contents cover if you’d prefer. Choose from Everyday Home Cover or Home Cover Extra and buy optional cover if you need it — like accidental damage, home emergency, legal protection, and more.

Please note: any quote you receive will be valid for 90 days.

Defaqto Star Ratings

Everyday Home Cover is Defaqto 3 Star rated.

defaqto 3 Star Rated home insurance 2024 expert rated logo

Home Cover Extra is Defaqto 5 Star rated.

defaqto 5 Star Rated home insurance 2024 expert rated logo

Buildings cover

Up to £1,000,000

What's insured?
Everyday Home Cover
Home Cover Extra
What's insured? Accidental damage cover
Everyday Home Cover Optional
Home Cover Extra Included*
What's insured? Home emergency cover
Everyday Home Cover Optional
Home Cover Extra Included*
What's insured? Loss of rent and alternative accommodation
Everyday Home Cover Up to £25,000
Home Cover Extra Up to £50,000
What's insured? Finding and accessing water and oil leaks
Everyday Home Cover Not covered
Home Cover Extra Up to £5,000
What's insured? Loss or theft of keys
Everyday Home Cover Up to £500
Home Cover Extra Included*

Included* = Up to buildings sum insured, which is the total cost of rebuilding your property if it was destroyed.

Contents cover

Choice of £60,000 or £80,000

What’s insured?
Everyday Home Cover
Home Cover Extra
What’s insured? Alternative accommodation
Everyday Home Cover Up to £15,000
Home Cover Extra Up to £25,000
What’s insured? Freezer contents
Everyday Home Cover Up to £500
Home Cover Extra Up to £1,000
What’s insured? Theft from outbuildings
Everyday Home Cover Up to £1,000
Home Cover Extra Covered
What’s insured? Contents in garden
Everyday Home Cover Not covered
Home Cover Extra Up to £2,500
What’s insured? Plants in garden
Everyday Home Cover Not covered
Home Cover Extra Up to £2,500

Get a home insurance quote

You can get a quote within minutes through LV=’s website. They will request some basic personal information and ask you just five questions in order to give you a quote.

Please note: their terms & conditions, privacy notice, and cookie policy will differ from The Co-operative Bank’s.

To continue, confirm that you:

Please tick to confirm you understand the above

You'll now leave the Co-operative Bank website and go to LV='s website.

Get a quote

Retrieve an existing quote

Quotes are valid for 90 days. If you’ve already started your home insurance quote and want to pick up where you left off, you should have received an email from LV= (sent to the email address you provided) containing a link that’ll allow you to retrieve your quote.

Existing home insurance customers

If you’ve already purchased an Everyday Home Cover or Home Cover Extra policy with LV= through The Co-operative Bank, you can access all your important documents through the portal.

LV=

If you purchased a policy with LV=

Need to make a claim?

Before you make a claim:

  • Report the incident to the police (if applicable)
  • Check whether you're covered (see the policy documents below)
  • Gather information including the policy number, date and time of loss or damage, and the police loss report number or crime number (if applicable).

If it's not urgent, the quickest and easiest way to make a claim is to log in or register your account. For more information visit the LV= claims portal. Or, you can also call one of the 24/7 claim lines:

LV=

Home Insurance claims

0330 678 5555

Home Emergency claims

Everyday Home Cover

0330 678 5246

Home Cover Extra

0330 678 5246

Legal Expense claims

0330 678 5245

Call charges

Other enquiries

For general enquiries, or if you’d like to adjust or amend your existing policy (only available to LV= customers), please call Home Insurance Telephone Support:

LV= customers

0330 678 5178

Lines are open 8am to 8pm Monday to Thursday, 8am to 6pm Friday, 9am to 5pm Saturday, and closed on Sunday and Bank Holidays. Call charges will vary for 03 numbers, and calls may be recorded and monitored. Call charges

Policy excess

Your chosen excess will apply on each claim (£100 minimum). For escape of water claims, a £500 excess will apply unless a higher policy excess is chosen. In the event of subsidence, heave, or landslip, there's an excess of £1,000 under Buildings Insurance.

For more information including the exclusions and limitations that apply, please read the policy documents.

About LV=

The Co-operative Bank acts as an intermediary to LV= for Home Insurance.

This means that:

  • We deal exclusively with LV= for your policy
  • By choosing to get a quote, retrieve a quote or log into your online account you’ll be redirected to the LV= website portal
  • LV= will provide The Co-operative Bank with information about the type of policy you purchase. We use this to make sure any future marketing we send to you is relevant - and only if you’ve consented to marketing
  • The Co-operative Bank receive commission from LV= on all home insurance policies purchased by bank customers via this website
  • You will not receive advice or any recommendation from The Co-operative Bank or LV= on this arrangement.

Learn more about our terms and services with LV=.

LV= and Liverpool Victoria are registered trademarks of Liverpool Victoria Financial Services Limited and LV= and LV= Liverpool Victoria are trading styles of the Liverpool Victoria General Insurance Group of companies. Liverpool Victoria Insurance Company Limited, registered in England and Wales number: 3232514 is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, register number: 202965. Registered address: 57 Ladymead, Guildford, Surrey, GU1 1DB. Tel. 0330 1239970.

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