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

“On the death of my father legal and general refused payment of £4000 due for his burial fees leaving my mother upset and fearing how it will be paid legal and general showed no compassion what so ever . Saying dad lied to them about his illness which was copd but was only down as asthma . The truth is that is how it started but progressed to copd as the years went by PLEASE dont insure with legal and general look for a company that cares and is genuine to its customers death is a time for grieving not worrying that your so called insurance company are going to pay out .”

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Posted 7 years ago

“Absolutely appalling customer services. Had buildings and contents cover with them (paid monthly), they took a lump sum out of my account of > £100, which they couldn't explain and returned, then they stopping taking my monthly direct debit. When I tried to resolve this and ensure I had cover in place, I made numerous calls over a 6 week period, spoke to three different people (Gavin ext 3187, Jason ext 1385 and Sultana ext. 3287) and each time I was promised a return call which did not happen. Gave up in the end and went somewhere else.”

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Posted 7 years ago

“It started when I set up my over 50 plan. You got the wrong starting date and I was charged twice. I went to track down my gift voucher and was passed from pillar to post without anyone giving me a definitive answer only to be told that because I had inadvertently gone through a broker to sign up with Legal & General that my gift voucher was null and void and I wouldn't be getting it. Even as I was looking for the "best company" to go with, no where did it state that I would not be getting the advertised gift voucher if I went through a broker. I also have home insurance and my wife has just taken life cover with Legal & General, which I will be looking to change. My complaint is not because of the money (£85 gift voucher) but more about the misleading way the voucher was advertised and about the fact that from the very first phone call about not receiving the voucher no-one seemed to know (or wanted to tell me) how this system works. Very disappointed with this.”

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Posted 7 years ago

“Had a poilcy for 6 month, tried making a claim they said ok grounds for claim! Then told i have not paid for the poilcy i told them i have paid up front they was adamant i never! Then they said i had to email a copy of my bank (really)statement????? I said no complained after many phone calls they admitted blame and apologised to me. The claim was for a damaged phone! I had to buy a phone due to i need it for work give up in the end! I was more concern over my house and if something happened. They gave me £50 compensation been with them a couple of years not any more such a big companie what a joke if i never persisted they would have got away with it!”

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Posted 7 years ago

“Warning !!!!! Avoid buying anything from legal and general at all costs. I have a critical illness policy with them which they won't pay out on. I have been critically injured. they are a dishonest company and wriggle out of making any payments, they're quite happy to take your money but when you need them they're not there. Don't bother buy insurance somewhere else, disgraceful company without ethics.”

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Posted 7 years ago

“Don't touch legal and general. we have a life policy with them that was unfortunately swapped over from Scottish Widows to legal and general by Santander. L&G lie they get things wrong they don't respond to your letters or calls, when you do try and make a claim with them they refuse the claim and wriggle out on any grounds they can this company is a joke they haven't even sent our policy through and we have requested it numerous times. Rubish”

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Posted 7 years ago

“Put in a claim for damaged rhino flooring they use renew assessors and the cost if replacing with the same plus delivery fitting and lifting and taking away old vinyl is £440 told I'm only to get £250 less £100 excess. Your penalised for wanting a cash settlement to buy your replacement at your store of choice instead of from renew they say they can do the whole lot for that and we are pensioners and have to find £200 to make up the shortfall. I think this company is a disgrace”

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Posted 7 years ago

“I bought an endowment policy with them and dutifully paid my premiums for 25 years at the end of which they told me that their invements hadn’t performed as well as they had hoped and so they could only pay out 60% of what they had originally promised. I find it extraordinary that they can get away with such behaviour. We entered into a contract: I pay a fixed amoun set by them and at the end they pay out a fixed amount to me. Not: I pay a fixed amount set by you and at the end you pay me whatever you like! Quite extraordinary. I will never do business with dishonest, unprofessional L&G again.”

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Posted 7 years ago

“For my sins i ended up with legal and general.Having a car come through your garden and hit your front door and arguing with their surveyors BVS was a nightmare.It took them three months to tell me i wasn't insured for ornamental plant pots although BVS told me i was on the internal fittings which i thought was iffy.Their claims line is abismal you are on at least twenty minutes with no answer by which time you have hung up.Never again”

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Posted 7 years ago

“Can never get through to them by phone for anything, always wait over an hour and still they dont answer, will be cancelling my policy its ridiculous”

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Posted 7 years ago

“Claims/complaints are truly dreadful”

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Posted 7 years ago

“Had a major water leak and they offered a measly £400 towards a £1500 bill to fix it. No point having home insurance with them, they find a Clause in your policy to not pay. Taking my case further now as I know another family who have taken them to court with a similar care and won. These big, well known companies are robbing innocent people”

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Posted 7 years ago

“I bought a life insurance from them and I qualified for a gift card at Marks and Spencer or Amazon. I never received it. I contacted them countless times and every time they said they sent me the instructions to get in their possession by post. Lies. I wonder what credibility they still have in paying my life insurance if there is anything going on. Stay away from them. This company is a joke.”

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Posted 7 years ago

“Sent in an estimate for the cost of a repair which has until today not even been picked up I have had to chase them for an update, they have had it two weeks, Then the employee asked me if the quote included VAT which i confirmed yes but as it wasn't detailed on the estimate I have to contact the repair company and get another estimate showing the cost net of VAT Then they said they will not pay the VAT until the work has been completed. So now I not only have to stand the excess (accepted) but also the VAT and then repeat the process to claim the VAT back my claim is for £300 net of the excess hardly an excessive claim ! I dread to think if you were claiming for a large amount what you would have to stump up in the first instance for VAT before getting it back BTW sit in a comfy chair when trying to contact them you are in for a long wait !! Rubbish”

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Posted 7 years ago

“Worst insurance company I have ever had the misfortune to use. I could not even get through to discuss my policy. I am so lucky I didn't need to make a claim. Do NOT use”

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Posted 7 years ago

“The way I was treated during my Insurance claim by yourselves is nothing short of a disgrace. So I am now cancelling my Insurance with your company. Totally incompetent, I always wait for a very long time to speak to someone on the phone, then no common sense from them. Do not use this company at all. No confidence in their ability, if they have any.”

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Posted 7 years ago

“L&G just don't get it. I have had a recurrent problem with desperately poor customer service and communication; I have been left hanging on to the automated system for hours, not just minutes; and promised call backs never materialise.”

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Posted 7 years ago

“We have had the misfortune to have an ongoing claim with legal and general for water damage. They are completely incompetent. They could not even document the correct amount of rooms we had water damage in, they even mistook tiles for laminate flooring. We had ten visits from multiple contractors they use, several of the visits cancelled some without any notice at all. They then offer a sum in settlement which is a fifth of the cost of the work with no breakdown of the work behind it. This is still ongoing I would never recommend to use them they just go to extreme lengths to not pay out what they owe.”

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Posted 7 years ago

“Not even worthy of 1 Star. They drag things out to the absolute max. Very poor communications. Will ignore emails you send and will not answer their telephones. The amount of times I have been in that telephone queue for during the past month is shocking. I have waited for 15 minutes some days and still the same annoying voice telling me someone will be with me shortly. I will be sending them a copy of my next telephone bill and they can pay for not only my time but the telephone bill as well.”

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Posted 7 years ago

“Frustrating from start to finish! We had home insurance with Legal & General for a couple of years - didn't receive any summary of cover and only renewal notices, which also didn't include any detail at all. When calling to check the status of our policy was on hold for 30 minutes, then answered with a very confused customer support person who asked to put me back on hold for five minutes... will definitely not be using Legal & General again!”

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Posted 7 years ago

Legal & General is rated 1.7 based on 614 reviews