Firm analysis

Liverpool Victoria Insurance Company Limited complaint analysis

A public analysis page covering published Financial Ombudsman decisions involving Liverpool Victoria Insurance Company Limited, including outcome context, product mix, complaint themes, and representative cases.

Page summary

1,875 published decisions involving Liverpool Victoria Insurance Company Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

1,875

Firm-specific decision volume in the public corpus

Upheld rate

29.3%

549 upheld decisions

Latest published decision 02 Feb 2026

Published decisions

1,875

Firm-specific decision volume in the public corpus

Upheld rate

29.3%

549 upheld decisions

Leading product

Insurance (excluding PPI)

952 decisions

Leading complaint theme

Delay In Claim Handling

214 tagged decisions

Liverpool Victoria Insurance Company Limited at a glance

Liverpool Victoria Insurance Company Limited appears in 1,875 published decisions in this corpus. 29.3% of those decisions were upheld, which gives a public view of how often complaints involving this firm ended in a fully upheld outcome in the final published set.

Insurance (excluding PPI) is the firm’s clearest product exposure in the published decisions, with 952 decisions and an upheld rate of 25.1%.

  • Latest active year in the published data: 2026 (4 decisions)
  • Most common complaint theme: Delay In Claim Handling
  • Most common precedent signal: Disp

Volume and outcome trajectory

Liverpool Victoria Insurance Company Limited's decision trail runs from 2013 to 2026. That range gives enough public history to see whether complaint exposure has been broad-based or concentrated into certain years.

In the latest year represented here, Liverpool Victoria Insurance Company Limited appeared in 4 published decisions with an upheld rate of 25.0%.

  • 2026: 4 decisions, 25.0% upheld
  • 2025: 208 decisions, 37.0% upheld
  • 2024: 213 decisions, 46.0% upheld
  • 2023: 139 decisions, 33.1% upheld
  • 2022: 119 decisions, 31.1% upheld

Themes, products, and precedent signals

Delay In Claim Handling is the strongest complaint-theme signal tied to Liverpool Victoria Insurance Company Limited in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.

Disp, Insurance Act 2015, Icobs are the most visible precedent signals in the firm’s published decisions. That gives extra context on the rules and fairness arguments appearing most often around the firm.

  • Insurance (excluding PPI): 952 decisions
  • Second complaint theme: Fraud Or Scam Concern
  • Second precedent signal: Insurance Act 2015

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-591855702 Feb 2026Not upheld

Liverpool Victoria Insurance Company Limited · Insurance

My final decision is that I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Ms P to accept or reject my decision before 2 March 2026.

View source decision
DRN-606914002 Feb 2026Upheld

Liverpool Victoria Insurance Company Limited · Insurance

My final decision is that I uphold this complaint. Subject to my comments above, I require Liverpool Victoria Insurance Company Limited to: • Pay Mr S and Mr S the reasonable and necessary costs incurred in repairing the drain.

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DRN-595740330 Jan 2026Not upheld

Liverpool Victoria Insurance Company Limited · Insurance

Liverpool Victoria Insurance Company Limited has already made an offer to settle the complaint by paying Mr P £150 and backdating cover to the submission of the ET1 form. I think this offer is fair in all the circumstances and so my decision is that LV should do that.

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DRN-597038130 Jan 2026Not upheld

Liverpool Victoria Insurance Company Limited · Insurance

It follows, for the reasons given above, that I think Liverpool Victoria Insurance Company Limited’s offer to pay Mr C £750 compensation in acknowledgement of its failings feels fair. I’ll leave LV to pay this now if it hasn’t already and to consider any additional costs Mr C incurred, subject to reasonable proof.

View source decision
DRN-581178330 Dec 2025Not upheld

Liverpool Victoria Insurance Company Limited · Insurance

DRN-5811783 The complaint Ms K has complained about Liverpool Victoria Insurance Company Limited (LV). She isn’t happy that it recorded a claim on her policy and about her increase in premiums. What happened Ms K contacted LV as she was considering making a claim under her insurance pol... (2 pages)

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