Legal & General Reviews

Name: Legal & General
Rating: 1.65

1.7 Rating 614 Reviews

16 %

of reviewers recommend Legal & General

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1.7

Based on 614 reviews

Customer Service
Communication Channels	Email, Telephone
Queries Resolved In	Over A Week

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Legal & General 1 star review on 14th June 2025

Anonymous

Anonymous // 01/01/2019

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“I bought a new bike and insured it through L+G along with an existing bike. The cost to insure two £500 bikes on top of my existing policy was very cheap at only £13 a year. I was horrified when one of my bikes was stolen only one day after I'd insured it. I was convinced that they would think I was committing fraud and refuse to pay out but they only asked a few very reasonable questions and then not only paid out for my bike but also for the lights and locks that went with it. There were no quibbles at all. They didn't even ask for receipts for the lights and lock. I was very impressed. I had the money (obviously minus the excess) a week after my bike was stolen.”

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Posted 8 years ago

“I would rate you 0 if this page allowed me. Absolutely horrendous service from start to finish and wouldn't even pay out on our claim, which they haven't issued a valid reason for. Some incompetent person pocessed the claim wrongly to begin with and now it has left us with nothing because not one person in that call centre can do their job. Avoid this company because believe me you will pay monthly and get nothing from them, not even a good service.”

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Posted 8 years ago

“Absolutely shocked! Do not take responsibility for anything just forward you to BVS who are worse than a waste of space! The Survey was a joke at best and their advice has been bad, the ombudsman following our claim!!”

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Posted 8 years ago

“Absolutely shocking customer service. So many delays trying to get a policy set up we cancelled. Each person gave us a different story about them having everything then the next that they needed more but didn't tell us. Too frustrating for words. Now being hounded by some silly survey company for which I didn't giver permission for.”

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Posted 8 years ago

“SIMPLE AND QUICK / MODEST COST”

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(Pet Insurance) - Posted 8 years ago

“Reported a claim and 2 weeks passed and heard nothing called them again to be told someone would be in touch within 24 hours that was a monday by friday still no call. I called them again on my dinner hour to be on hold for 52 mins on a premium rate call to be told sorry wrong department so called again to be messed around and put through to wrong department another twice. This company take your money but arent there to help when you need it. The attitude of the advisors and the knowledge is non existant i will think again when renewing my insurance. Very poor customer services they should be out of business”

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Posted 8 years ago

“Did not get insurance from these people, I made a claim in 2013 they have not paid me for lots of items that was took from the break in. Then they made me wait over 2 years before they paid me a little bit of money. In the policy it says they must replace items as new. Legal & General gave me money to buy 2nd hand stuff it was no were near enough to what I'd had stolen, very bad customer service they even tried to say I didn't pay my policy, I had had though. This was there way to get out of trying to paying me, but i dint give up as i knrw i was in the right.please don't be gullible like myself run and find a different policy holder, I wouldn't recommend these to any 1 there a disgrace there a rip off and thus is how they make there money.”

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Posted 8 years ago

“We came back home at 10:15 p.m. and realised there had been a burglary at our house. The back door glass had been smashed. Obviously the police advised us to get in touch with the insurance Emergency services adn get the property secured. The first call was made around 10:30 p.m. and we were told that someone would contact in 15 minutes. The same response was given until 2:00 a.am. in the morning when finally they said that the contractor has now refused the job. This was in a situation when the family was already scared adn emotionally challenged. We went to a friend's place but my husband was standing out in teh cold /sitting in the car waiting for someone to come. Finally at 3:30 a.m. the company said that they could not arrange anyone to come over. On my insistence , My husband left the property vulnerable and came to the friends place so atleast we could all be together. Not a good experience at all , especially when we needed help the most. Will not recommend at all.”

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Posted 8 years ago

“Your health is at risk if you use this service- Appalling Service - Ten weeks and the property still has not been dried out by L&G. Young child in the house and left without heating and washing facilities. They have breached their contract by not providing equivalent accommodation. They forgot about us and lied about it. They ignored the fact that my daughter has asthma and cancelled the drying service. I hope that they are warm in their beds tonight, whilst we sleep in the cold and the damp for yet another week.”

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Posted 8 years ago

“Please read the reviews regarding this company before you give them any of your money !! I am absolutely disgusted with the service I have received! Changing my insurance policy to a company that does not treat their customers with the rudeness I have received. Very unhelpful when trying to add to my policy and even had the phone put down on me!”

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Posted 8 years ago

“Great at taking your money. Dreadful when you make a claim. Make sure the wind is over 47mph before you claim for storm damage otherwise it's not strong enough to cause damage in their opinion !! Never using again, wish I'd read reviews before using them.”

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Posted 8 years ago

“I had the misfortune to be affected by the floods in Dec 2015 the whole ground floor was flooded to the depth of 5 ft. And unfortunately for me I was insured by L&G my buildings cover was £800.000.00 but have had to fight with this company to get my home back to the condition it was before the floods. The building surveyor they sent was a joke missed loads off and costed the works at half what the builder had quoted,even though L&G were allowing more money to reinstate smaller houses in the area. They are not consistent when it comes to a large amount of claims.And as homes affected by the floods have not been lived in for a number of months with out heating and major works going on in the house and surrounding area the first floors are filthy and uninhabitable the majority of insurance company's have taken all this into account and replaced beds and carpets and paid for redecoration not this company won't even pay for cleaners.Absolute joke of a Company stay away from this insurance company because when you have a disaster in your life they make it a living hell.!!!!!!”

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Posted 8 years ago

“Very poor contacts via telephone, website is basically unserviceable as the login aspect is unfathomable and is notably often down for maintenance. Avoid.”

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Posted 8 years ago

“Absolute JOKE. Can't even log into my account. Have had to ring them 5 times just to get a cover note. Same every time. ooh your account is being reset, it works once then has no record of you ever joining them!! Probably gonna cancel using my 14 day cooling off period as if they can't even get my account sorted what on earth are they gonna do if I have a claim”

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Posted 8 years ago

“2 months for a simple payment to be processed ( after it was agreed) is far far too long - poor customer service, long waits on the phone, and no response to complaints made.”

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Posted 8 years ago

“I took out life insurance through one of their brokers when I bought my house. Two years later during a general call to check my policy I found out I had been put down as a non-smoker. I told my broker I smoked so made a complaint as this mistake ment my insurance was invalid. My complaint was not taken seriously and I was called a liar. Disgusting.”

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Posted 8 years ago

“My claim for water escape damage was refused as I didn't report it to them immediately after it happened. They have now invoked a clause in the policy to weasel out of paying out. DO NOT USE THIS COMPANY - GET YOUR INSURANCE ELSEWHERE.”

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Posted 8 years ago

“Woeful company!!! Do not use!!!! I am currently staying with my parents, on the 6th September their dining room ceiling came down. Investigations showed that the hot water tank had a crack, which over time had caused water to seep into the surrounding floorboards. Legal and general were informed and a surveyor was sent out to assess damage. He was concerned the flooring was not entirely safe to walk on and shoul be done immediately. Legal and general assured us it was in hand, and would be swift as we were (and still are) without heating and hot water. Over 6 weeks later. Have been passed from pillar to post, told 1 thing by 1 person and another from others etc. Thought we had a breakthrough last week, when told workmen coming this morning to start ripping up old floors, workmen arrived with the news that L & G had not agreed costings with them yet and they couldn't start. Aaaaarghh! I'm 6 months pregnant, no heating, no hot water, unsafe flooring and no apologies from L & G for this utter fiasco. They don't seem to care, awful company. I'd advise to seek insurance elsewhere.”

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Posted 8 years ago

“I had specifically insured my bike under their home insurance policy. The cover for the bike was 1200 pounds. The additional cost per year were about 50 pounds. When the bike got stolen, they said they would not cover any items outside the house.”

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Posted 8 years ago

“Storm damage to my roof. I have never had the utter misfortune of having to deal with such incompetence as this. I will never buy another product from this company I would not accept insurance from them it even if it were free. If you want months and months of being ignored and passed from one company to another with your roof left in a dangerous state of disrepair please choose legal and generals aboslutely pathetic service. If I had not experienced it I would not have believed it could have been as bad I only gave them one star as there was not an opion to give a zero rating.”

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Posted 8 years ago

Legal & General is rated 1.7 based on 614 reviews