• This is an insurance company with no ethics and when it comes to having to deal with claims for damages, the company resorts to all the ploys in the book to wriggle itself out of the responsibility of paying out. From my direct experience with them, L&G tend to treat you with contempt and unfairly, simply because you've had the misfortune of claiming damages from them for the losses covered by your insurance policy. Having experienced such a problem with L&G, I lodged a complaint against them with the Financial Ombudsman, thinking that the Ombudsman’s intervention will help me to get a fair treatment; unfortunately, it has taken the Financial Ombudsman over a year to come up with a rubbish, manipulative assessment of my complaint. The question then arises that where can we get justice in this country if all the systems in place are all established to prevent you from succeeding against the wrongdoings of the likes of L&G, banks, utility companies, telecom Companies and so on.