LV have covered my car for about 4yrs now. I would say they deal fairly and promptly with me, and so far no snags or mysterious add-ons in any deal.
Had some panel damage in the first year with LV after reversing into a concrete bollard.
They met the claim promptly on the understanding that since I was finding my own (local) repairer they would neither provide a loan car, nor cover the workmanship as a warranty.
Fine by me because the ding happened within 1/4 mile of the excellent local repair facility. LV wanted to collect and take it 15 miles from here.
I have a protected no claim discount and the premium had a modest increase along with most car insurance companies.
The only niggle I have about changing from Saga to LV,although LV is cheaper, there personal belongings only goes up to max of £200, Saga goes up to max £1000. As I carry Golf clubs ect and Photography equipment (usually not at the same time)£200 is soon devoured. On ringing them they said the £200 cannot be altered.
I'm with Saga and have been for a number of years.
One feature I like is the one that allows any driver to drive your car for you in case of a medical or other emergency. The way I read it is that the emergency driver only has to have a drivers license and not insurance of their own as with most policies.
I've just changed from Saga to Tesco for my car insurance. LV were competitive on price but Tesco were offering £50 worth of petrol, the main sticking point for our car insurance is that the wife insists on zero voluntary deductible and not all will do that.