Cancel Lv=: Easy Method

What is Lv=

Overview

Lv= (also styled LV=) is a mutual insurer best known for life, travel and car insurance products. It operates primarily in the UK marketplace and publishes product terms that vary by the type of cover.

Presence in New Zealand

There is no evidence that LV= has a local office or New Zealand-based products; most official contact channels and postal addresses are UK-based. New Zealand consumers should check whether a product sold to them is subject to local law or UK terms.

How to cancel Lv=

By product (phone and written)

• Travel insurance (Web): Call 0330 678 6222 to cancel. Have your policy number and purchase details ready.
• Life insurance (Web): Call 0800 678 1906 or write to the insurer to cancel. Include your plan details when writing.
• Car insurance (sold vehicle): Call 0330 678 5111 to cancel a policy after you have sold the car.

App Store / Google Play subscriptions

• If you purchased via Apple App Store or Google Play, you must cancel via the relevant store's subscription management - not through the LV= website.
• Use the Apple or Google support pages to request refunds or manage recurring billing if applicable.

What happens when you cancel

Coverage end and timing

Cancellation will end your cover from the cancellation date set by LV= and confirmed in writing or by phone. If you cancel within a cooling-off window you may receive a refund subject to product rules and claim history.

Renewals and future cover

Cancelling stops future renewals. If you later want cover again you will normally need to apply anew and may face different terms or premiums.

Data and records

LV= will retain records necessary for regulatory and claims purposes as described in its privacy policy. Ask for written confirmation of the cancellation and keep it with your records.

Will I get a refund?

Summary by product

• Travel: Full refund if cancelled within 14 days of receiving documents and the policy length is over 28 days. No refund if cancelled later or if cover is less than 28 days.
• Life: Premiums are refunded if the plan is cancelled within 30 days of the plan starting. If cancelled after 30 days there is no refund and no cash-in value.
• Car (sold vehicle): If cancelled within the 14-day cooling-off period and no claim has been made, refund is given minus a £40 cancellation charge. If a claim has been made or cancellation occurs after the cooling-off period, generally no refund applies.

Exceptions and App Store purchases

• If any claim has been made during the period, refunds are often withheld or reduced - check the specific policy terms.
• Subscriptions purchased through Apple or Google must be refunded and managed through those stores; LV= cannot directly cancel those store subscriptions for you.

Lv= plans and pricing

Plans offered

The table below summarises common LV= plan types and cancellation/refund routes. Prices are not available for New Zealand and therefore listed as 'Varies'.

Pricing note

If you need specific premium or pricing details for a territory, contact LV= directly or consult the policy documents provided at purchase.

Your consumer rights in New Zealand

Cooling-off and free-look norms

Under New Zealand consumer law many insurance products offer a short 'free-look' or cooling-off period (commonly 14 or 15 days) allowing cancellation and a full refund if no claim has been made.

Applying NZ law to foreign insurers

LV= policies are UK products that commonly use 14- or 30-day cooling-off terms. New Zealand consumers should verify whether a specific product sold to them is governed by NZ law or by UK terms in the policy wording.

Where to get help

For NZ-specific disputes consider contacting your bank or card issuer (for chargebacks) or a local consumer advice body. For an example of NZ insurer practice see KiwiCover’s cancellation page.

KiwiCover - Cancelling your policy

Customer experiences

Positive feedback

Customers often praise competitive pricing and value for money as well as clear website information and efficient claims handling.

Many reviews note helpful and professional staff in claims interactions.

Negative feedback

Some users report technical problems with the website, such as issues saving quotes or logging in, which complicated cancellation or policy changes.

There are isolated complaints about difficulty cancelling online and not receiving written confirmation after cancellation requests.

LV= reviews on Trustpilot

Documentation checklist

What to have ready

• Policy number and product name.
• Full name, date of birth and contact details of the policyholder.
• Date of purchase, start date of cover and copies of policy documents.
• Proof of sale (for car insurance: e.g., bill of sale) if cancelling due to sale of vehicle.
• Records of any claims made since policy start.
• Preferred refund bank details or card information (if required).

Proof and confirmation

• Keep screenshots or confirmation emails of cancellation requests or phone reference numbers.
• If writing, send cancellation letters to the insurer's stated address and keep tracked delivery receipts.

Common mistakes

Assuming online cancellation always works

Some customers assume an online cancellation will be processed immediately. If you cancel by phone, ask for and keep a written confirmation or reference number.

Missing the cooling-off window

Waiting past the 14- or 30-day cooling-off period may forfeit refund rights. Check the exact period for your product and act promptly if you wish to cancel.

Trying to cancel app-store purchases via insurer

Subscriptions bought through the Apple App Store or Google Play must be managed through those stores. Contacting LV= will not stop store-managed recurring billing.

Comparative recap

Quick comparison

The table below summarises cooling-off, refund outcomes and cancellation routes for common LV= products relevant to New Zealand consumers.

How to use the recap

Use this table to decide which contact method to use and whether you are likely to receive a refund before contacting LV= or the app store.

After cancelling

Check for confirmation and refunds

Confirm you receive written cancellation confirmation and, if applicable, details of any refund and the amount. Monitor your bank or card account for the refund.

Useful links and next steps

• LV= official website - contact and policy details.
• Apple - cancel subscriptions
• Google Play - cancel or turn off subscriptions
• LV= reviews on Trustpilot

Address

Official postal address

LV= Protection, PO Box 341, Wymondham, NR18 8HR (United Kingdom).

New Zealand note

This is a UK postal address; no New Zealand cancellation address for LV= was found. If you are in New Zealand, confirm which jurisdiction applies to your policy and use the appropriate contact channel listed above.