I Have had building and contents insurance with L&G for many years. I have never made a claim from either my home or buildings policy. Each year they hike the price and when I ring the reduce the quote by a nominal amount. Last year, 2016, I paid £250.00 pounds, this year it jumped to £321. for the same Cover. Having done a comparison for the same cover online I found Admiral offered the same cover for £86.00, there were many other providers coming close to this... Yes amazing. I contacted L&G customer services and they offered to reduce my premium to £275.00! Very kind of you, NOT! Needless to say I have a new provider.