A close friend of mine has had an enormous battle with LV over his car - he got it via a broker. I also have had an experience with them when a man whose wife had had a new baby and his mind was elsewhere reversed into my hire car in a large house car park in N. Berwick - I even had a signed note admitting responsibility from him. It took 9 months for me to get my money back from LV via Hertz. I would recommend NFU - have nothing but praise for them - and I have my house, car and some commerical policies with them and had the Mater's house too - no quibbles to the claim we made on my mother's behalf on contents......