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

Filter: Rated 1 None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“Terrible service. Second time I have tried to get through to ask a question regarding my pet insurance. First time I gave up after 25 minutes. Currently been on hold for 40 minutes. Tried emailing nearly a week ago and have heard nothing back. All of this and they want to put my premiums up by £70 a year. Awful customer service.”

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Posted 6 years ago

“I would like to cancel my life insurance policy.paying £25 a monthfor £2,827 in18 years time? Realized that is a waste of money so just cancel!”

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Posted 6 years ago

“They are dumping everyone who has a mortgage ISA. I have 4 years left to pay off my Home and now a company I have never heard of will be handling my most important investments. In 1998 I chose L&G which turns out to be the biggest mistake of my life! I hope I can still sue Legal and General if the company who takes over who nobody has heard of let me down! Or my life will be a wasted existence with nothing to pass on to my children and homeless. I HATE L&G”

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Posted 6 years ago

“Stay away from Legal And General. I had buildings and contents insurance with them and had a water leak. They did everything to pay out as little as possible. It started with the surveyor attending and saying on his report evidence of signs of damp? After a major water leak. They disputed I had kitchen ceramic tiles and said it was laminate despite me sending pictures. They said they would get Mark from Poloygon to check?? Why didn't they send an assessor. My claim was put to a third party Claims Consortium who were worse. The staff turnover is high so I had three or four people dealing with my claim. I had to constantly call in and wait on the phone for ages and then the person dealing was always at lunch or on another line. If they had sent an assessor they would have seen the damage. They argued for weeks over a damaged cupboard despite me sending pictures which they apparently lost? Polygon certified the area dry when in fact it wasn't and in the end I got another dehumidifier to dry the property out properly. I will never go with this company again and I would recommend you stay away. Totally unprofessional. In the end I gave up accepted what they offered and am at least 4000 out of pocket. Great insurance!”

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Posted 6 years ago

“I have given one star because it won’t allow me to leave anything lower. This company are appalling they will as a matter of routine always deny a claim, no matter how legitimate. Please insure through a more reputable company.”

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Posted 6 years ago

“Awful insurance company, take your money but will do everything not to pay out. Stay away!!!!’”

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Posted 6 years ago

“They’ve just changed to in house pet claims management after using an outsourced firm for the 3 years I have been claiming for my dogs chronic illness. Previously, they kept me fully up to speed by email as the claim was processed. Now, I’ve had almost nothing from them, nearly 8 weeks after I filed the claim. They told me they needed the full medical history for my dog, only after I had phoned them, 6 weeks after I filed the claim. Despite the fact they have been in possession of that history for over a week , they still have not confirmed they are processing the claim . I’ve sent numerous emails , two registered letters, three phone calls and got nowhere. Even a supervisor, who promised to call me back has never done so 10 days after I spoke to her. Do not touch these clowns with a barge pole!”

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Posted 6 years ago

“I've covered home insurance with L&G for several years. For some reason my renewal premium has been quoted at 367% of the previous year's, with no claims having been made. The cover for rebuilding is more than 6x the figure quoted by the BCIS rebuild calculator, cover for contents is at least 3x the amount I have and covered last year. Apparently they've increased their minimum cover but didn't bother explaining this, no doubt hoping that customers wouldn't notice but just pay up to continue cover. I'm glad I did see it and have now switched to a more honest company.”

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Posted 6 years ago

“The worst insurance company ever. Refused my claim but still increased my premiums. Avoid them.”

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Posted 6 years ago

“Terrible service for the self employed. They calculate what they pay on previous tax return of 2 years ago so can pay out less. They are way over the 10 days maximum pay out time and blamed a move of office. When finally come to pay out they then want another doctors certificate even tho they have had the current certificate the whole time no one cared to look at it!!!waisting more nhs resources when my knee is visible clearly damaged. Terrible company do not use!!!!”

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Posted 6 years ago

“6 weeks after retiring I have received nothing but forms to fill in and long frustrating telephone calls. They insist on doing everything through the mail. They do NOT properly inform you of their many silly requirements at the outset. I think their only objective is to keep your money for as long as they can. There must be better companies as these cowboys have set the bar very low!”

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Posted 6 years ago

“I'd give them no stars if I could. I deal with them at work for pensions and they are a nightmare to work with. Should have known better but still tried to get Life insurance through them and they wrote to my doctor to ask for details of a medical condition I've never had. When I complained they said they had made an assumption but no apology.”

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Posted 6 years ago

“Legal and General Pet Insurance Awful thieving rats. Please don’t use these con artists. They take your money and when you need them they wriggle out of paying. Total rip off merchants.”

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Posted 6 years ago

“Renewed my home insurance over the phone as they had omitted to send a reminder and we were going on holiday and didn't want to leave our house uninsured. Our payment has gone through but two weeks later we still don't have our policy. Rang again yesterday to ask for both a hard copy sent through the post and also a emailed copy in the interim so we can check the details. No emailed copy as yet and I just hope we get something in the post by the end of the week as we have paid a year's premium up front. Feel like cancelling - what is wrong with these people - it should be so simple! It seems like they just want our money! Will not use them next year.”

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Posted 6 years ago

“Does anyone ever answer the telephone at this company? Tried three different numbers, and just kept holding on on all two of them a just being cut off on the other one. Very frustrating, I’ll try writing, you never no I might get a reply! Seeing as I didn’t get to speak to anyone, I cannot respond to question two below.”

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Posted 6 years ago

“Have had life insurance with CI cover for 15yrs apparently the CI cover is Terminal illness cover, our policy ends January 2021 although my husbands Cancer diagnosis is terminal he has to be confirmed as having 6months or less to live and the policy has to have 18 months left to run also their medical have to confirm that he will not be able to have any treatment that may extend his life. What is the point of this insurance and I dread to think what will happen if I have to claim the life insurance part.”

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Posted 6 years ago

“Got to the end of a life insurance application answered masses of personal information only to be told they had a technical problem and try later. Contacted L&G who said they could complete the application over the phone but I would be unable to access it online. All the agent seemed interested in was to make a commission.”

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Posted 6 years ago

“Don’t use them I had my garage broken into where the thief’s stole my trolly jack which I use to work on my cars the would not pay out as they said it was classed as a car accessory also if you don’t have receipts for your goods they. Will offer you the cheapest thing they can find on internet sites so beware if you have good tools the will replace it with any item from China or you be paid out the lowest amount the can find”

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Posted 6 years ago

“Appalling customer service by staff! Spoke to two different advisors, the first sounded clueless and the second spoke to me like an inferior and was patronising! The call ended up being an argument over his attitude! Disgusting customer service. Would not ever use again.”

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Posted 6 years ago

“My partner and I had to make a claim as our car needed a tooth extraction. We paid the vet and filled out the claim form then sent this to L&G. This was in Feb/March 2019. We contacted L&G several times for updates regarding our claim but were essentially lied to and fobbed off each time. It was a case of being told that because our claim went over a renewal cycle, L&G had to wait for Ultimate Pet Partners to send them a form. We spoke to UPPs who confirmed this form had been sent. My partner contacted L&G multiple times but each time she was told that there was nothing they could do until they had the form. She even spoke to an agent yesterday morning who said they would chase this up and when my partner called back the same day, a new agent advised 'The agent you spoke to is not in today. You must be confused and called yesterday when she was in'. Based on the appealing service we have been given, we wanted to complain. We were then told that agents can't take complaints over the phone. The agent even said "I'd have to write it on a post it note but I will probably lose the note." When we've paid premiums for over a year and even renewed based on the fact we were expecting L&G to fulfil their role as an insurer, I can safely say they are up there with the worst companies to deal with when the time comes to get their help. My partner was so upset by the whole experience, we cancelled the policy without being paid for the claim. We are not only out of pocket for the surgery which cost more than £400, we also wasted premiums paid for over a year. Not to mention the time spent contacting L&G to ask how far the claim has progressed. This experience is utterly unacceptable but is probably quite beneficial to them in financial terms as they are quickly to take your premiums, but will do everything they can to not pay out.”

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Posted 6 years ago

Legal & General is rated 1.7 based on 614 reviews