Legal & General Reviews

Name: Legal & General
Rating: 1.64

1.6 Rating 622 Reviews

16 %

of reviewers recommend Legal & General

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1.6

Based on 622 reviews

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

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Legal & General 1 star review on 9th October 2025

Mark Nelson

Legal & General 1 star review on 18th September 2025

This WasAp(+4473 88697958.)And Harrylucy977atGmail. Com Came For Me When I Got Scam

Legal & General 1 star review on 14th June 2025

Anonymous

Anonymous // 01/01/2019

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“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 9 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 9 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 9 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 9 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 9 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.”

Helpful Report

Posted 9 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 9 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 9 years ago

“really poor customer service - delays with payment ( it took over 4 weeks from the moment when claim had been agreed for the payment to be made post simple insurance claim )”

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Posted 9 years ago

“They take your money, no questions asked and then you have a problem and make a claim and they bring in the public prosecutors to cross examine you... Avoid this mob. They will not cover you. They will rape you... ...and make you feel guilty on top of it.”

Helpful Report

Posted 9 years ago

“Have had pet insurance with L&G for 3 years now, not had to claim before. Pet had a operation on his knee, they refused to pay out as they said it was pre-existing, despite never having a problem with that knee and my vet writing to them to confirm that is wasnt. They took 3 months to review details and come to the decision also, despite advising that they would deal with claim within 10 days”

Helpful Report

Posted 9 years ago

“One of our chimney pots was blown off in high winds in February and a surveyor from Building Validation Solutions (BVS), who are a branch of Legal & General, came out to assess and value the replacement job. He offered us a cash settlement sum. We then obtained our own quotes and two of the quotes came back at double the amount that BVS had offered us. We therefore had to accept their preferred contractor. Their contractor fitted a chimney pot that was half the height of the original one that was there, it also didn't match the three other remaining chimney pots. I was concerned about the draw ability of the lowered pot and the possibility of fumes being blown back down the chimney. BVS were awful to deal with, Alisha, our appointed person was arrogant and could not care less about our concerns. Their building contractor was also dismissive. It has taken 5 months from first being contacted by their contractor up until now and the scaffolding is still standing 6 weeks after completion of the job. I wish we had taken the money that was offered and paid the difference to employ a reputable contractor instead of having to use the one supplied by Legal & General via BVS.”

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Posted 9 years ago

“Contracted a travel insurance with them, they charged my card but never bothered to send the documentation. I had to call them twice before they told me that something went wrong so they would not take the money and I had to buy the insurance again. I took the precaution of using a different card. Days later, they charged both cards but cannot find that I contracted anything. I've had to call them an unrealistic amount of times, they do not follow up what they say they will do, they do not call back when they say they will, they use very sad excuses as "our system is down" and they are just not professional at all. I will have to go to the bank and ask for a chargeback to get the money back. L&G is a joke.”

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Posted 9 years ago

“Today I feel that I must write a review about the legal and general home insurance emergency cover. Unfortunately, I could not get into my house, the key would not go into the front door and I was locked out. It's Sunday but I called Legal and General I had emergency cover and a locksmith came to my home within 22mins and let me into my home in about 2mins. Whilst we don't always choose emergency cover we had this year in July and I am so happy we did.”

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Posted 9 years ago

“I wouldn't recommend legal & general to anyone, I have had the mos horrific experience, we lost everything in our home due to a fire , your insurance is meant to be there to help you and unfortunately in this case they are working against us. Ridiculous cash settlements being offered to repair our home to the standard that it was , I've had to take time off of work due to the stress that is now caused. I really wish we had done our revision properly before taking out home insurance with them. Absolutely disgusted.”

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Posted 9 years ago

“If there was a negative i would out it!! My shower leaked this morning bringing down the ceiling. As a result my call they say I will have to pay to take out ant replace the shower cubicle the tiles the ply wood. Wait for this they will pay to fix the pipe (a 5 minute job) and the ceiling perhaps. I then asked to speak to a manager who will now ring me back in 24 hours. ABSOLUTLY UNBELIEVABLE!!!!”

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Posted 9 years ago

“I have a crack in chimney & flashing dislodged - Legal & General buildings insurance refused to pay said was wear why pay buildings insurance then it's the 1st time I've put in a claim in 30yrs. Useless waste of time will have to have loan to pay for repairs.”

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Posted 9 years ago

“The most horrendous experience I have ever had. Terrible communication, did not follow their own complaints procedures and refused to offer compensation recommended by the Financial Ombudsman Service adjudicator. 9 months on and I am still waiting for my claim to be settled despite having no kitchen or cooking facilities. The way I have been treated by this company has caused me so much stress that it resulted in time off of work and a nervous breakdown.”

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Posted 9 years ago

“Good and helpfull services”

Helpful Report

Posted 9 years ago

“I was recently burgled and although I hadn't bought a policy directly with L&G, they were the underwriters. L&G have been far better than I was expecting from an insurance company and have been helpful and paid out for my claim when I was expecting more of a battle. It was a relatively small claim (approx. £1k total) but was a lot to me and whilst it has taken a while, this may be down in part to me not constantly calling them. I did find their telephone system frustrating as there was often a long wait to get through to someone and then they had to get up to speed on my specific claim, but generally people were helpful. I would prefer it if they sent more correspondence by email, not only for my records but also as I find it difficult to talk in the day time due to my work. Overall I've been happy with how my claim has been dealt with.”

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Posted 9 years ago

Legal & General is rated 1.6 based on 622 reviews