I joined LV because it covers me for 180 days in Europe in one lump as it were. No 30 days maximum at a time as most other insurers do. Not had a claim so cannot comment on that part of their system.
However,my brother in Sheffield took about 6 months to be paid out for vandals setting fire to his garden fence and shed. It too went to the wire with his complaints about the slowness of their paying out.