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

“This company is the worst company ever! I have taken out asalaey protection with them. I have been off sick due to severe morning sickness, dehydration as a results of pregnancy . I contacted them and completed all paper work in the first month. It’s now 7months and I haven’t been paid. I pay more thann60£ a month. They are extremely incompetent and unhelpful. They try to ask for information that are just too irrelevant. After they are given the information they come out with one thing or the other. Then the person dealing with your claim is off sick and then your case is left for weeks and weeks unattended. The funny thing is they try and deny they have recieved information even when u know it was sent, I have to challenge them severally before some accepts responsibility. My medical notes were sent 2months to them without anyone realising it was recieved. They then denied and I had to go back and for with them for weeks. Then they came up with something else. I will never recommend this company for any form of insurance. They are a pain, incompetent and very very very unhelpful. It’s now 7months and they still haven’t paid my policy out. I now have to borrow to cover mortgage and even help care for my children. Legal and general are a waste. I am taking them on with the ombudsman, beginning the process tomorrow. For your sanity in difficult time and situations don’t take out any policy with these guys (L&G).”

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Posted 2 years ago

“Have got 2 life policies one each for self and wife. Lost count of requests to update POLICY OWNERS DETAILS have called 3 times and returned forms TWICE, NOW JUST GOT ANOTHER. I don't think the left hand knows its got a right never mind what it's doing. PATHETIC PATHETIC PATHETIC.”

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Posted 2 years ago

“Wife died 2 months ago. Can't get anywhere with them. She died in hospital flu and kidney disease and cervical cancer. Sending letters for my wife to sign for access to her medical records. I'll keep you posted if I have any success.”

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Posted 2 years ago

“They are just incredibly inefficient, I've been trying for two months to get my small pension pot payout from them and have got nowhere, they keep sending me the wrong forms and I just seem to be going round in circles.”

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Posted 3 years ago

“L&G are refusing to send my husband a p45 to prove our income for the last tax year to support my student finance application. My husband has a brain injury and we feel the company may be discriminating against him and not taking him seriously. I have called myself and there is a promise to resolve the situation. Is this because I am not disabled? Will they actually resolve this? Very poor, stress and anxiety inducing, disheartening and lacking in understanding of the consequences of this shocking experience.”

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Posted 3 years ago

“Please don’t ever use this company I was dinosed with cansor with out treatment I was given 6/12 months on contacting lg all they did was look into your medical records 8 months looking for a reason to cancel the policy living with cancer is heartbreaking for you and family this company has a track record of.”

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Posted 3 years ago

“They keep calling me on many different numbers and despite me constantly asking them to take me off their data base I have now recently been getting calls from No Number - they are getting increasingly aggressive in attitude - I do no have any policies with you and I will never use you. I have emailed and telephoned and now will try this! Your employees I have cone across are rude arrogant and I’m not interested! AVOID AVOID AVOID”

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Posted 3 years ago

“do not use L&G, this is my opinion formed by my personal experience with them”

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Posted 3 years ago

“We had a water leak over ten months ago and still awaiting building work to comence. We have broken tiles, nails sticking out if walls and mould on walls. We have a just turned four year old. Legal and general couldn't care less. No response from them.”

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Posted 3 years ago

“This company seems to have a policy of delaying pension pot payouts. This is obviously difficult to prove but I have had to 'chase them up' constantly over a period of six weeks to obtain a small lump sum. I can only imagine that I am not the only one in this situation and intend to apply for compensation via The pensions Regulator.”

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Posted 3 years ago

“Both my parents passed away within 6 weeks of each other. I received a letter relating to my Dads pension. The letter said that an over payment had already been made. Then the amount of money they owed my mum due to her out living my Dad by 6weeks.This equated to a different of 1p we owed them. They want my bank details so I can pay it back! Instead I have sent a reply letter with 1p attached. I find this appalling especially under the circumstances.”

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Posted 3 years ago

“Absolute nightmare. Trying to get my pension pot from them, spent hours on the phone,put on hold for more than 10 mins every time, gave me wrong information, and when i asked for their complaints no, they said they didn't have one, so i have now reported them to the financial ombudsman. Absolutely terrible customer services, put through to wrong depts, spent hours on hold, and when i asked for a customer complaints dept, they said they didn't have one so i contacted the financial ombudsman. Really stressful experience. I only rated them one on trustpilot as they didn't have a zero.”

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Posted 3 years ago

“Worse company to get life insurance with!!! They want your money not keeping you and your family safe and taken care of! RUN away from this company if you can. Farmers insurance offer Index Universal Life and will take care of you and your family while you are alive and once you pass as well!!”

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Posted 3 years ago

“Iv had 7months of dealing with these people over my partner life insurance policy they make me feel like im a criminal and are doing everything they can not to oay out”

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Posted 3 years ago

“Had the misfortune of being in the end of one of their property valuations for a BTL What a joke No demand for ‘buy to live’ properties in area No one I have spoken to have ever heard this given as a reason AVOID I don’t even bother applying for mortgages with lenders who use L&G”

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Posted 3 years ago

“A nightmare company , legal and general. Had 20,000.00 storm damage to my house and barn , water is flooding in and they said it was wear and tear ? They said your not insured for wear and tear. They offered approx 1,500.00 which I declined . We are now having to go to court . To say I’m disappointed in this company is a gross understatement. I would not recommend anyone to have any dealings with this company whatsoever. My neighbours have had all their storm damage repaired by their insurance companies, I’ve been waiting for two months and nothing . I will be taking them to court and I will post the results .”

Legal & General 1 star review on 13th April 2022

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Posted 3 years ago

“Today is 8th April 2022. I had a flood in my property 15th July 2021. This damaged the bathroom walls and floor and the kitchen roof, walls and floor. The work did not commence until October. I understand due to the pandemic there will be delays in work. Legal and general have Davies loss adjusters support with the claim. They have been a disgrace, proving to go back on their words numerous times through this experience. Legal and general take no accountability based on the service and work completed by the loss adjusters. So they have a free pass to talk to you how they like and act how they like, and there is nothing you can do. Legal and general have FFDR contractors support with the claim. Again, shambolic. They ignore you when to contact them, they turn up to you property and let themselves in when they want, one of them even used my toilet and didn’t clean up after themselves, yes they left poo all about the toilet. Legal and general, refuse to accept accountability but offer goodwill. The contractors caused a second flood in my property, which damaged my appliances. Legal and general tell me they will not match my items due to ‘no matching items’ in my policy. Legal and general refuse to take accountability for the further damages caused by their own solutions. I am now left with my pine kitchen, having a white units here, oak panels there and mixed matched styles of doors. Legal and general consider this a job well done. The contractors they hired offered cash settlement on unit doors and actually a whole new kitchen. Legal and general refused this. Legal and general are aware that how they and the loss adjusters and contractors they have hired, have caused my mental health to deteriorate, affecting my work and relationships and overall life. The lack of communication and name calling among them, for this to be adults earning a salary, is a real concern. Legal and general have provided no support, which suggests they do not consider their customers well-being in any sort of priority. Legal and general’s mission statement: “Our purpose is to improve the lives of our customers, build a better society for the long term and create value for our shareholders.” - legal and general have continuously failed to deliver on this. To conclude, if you are with legal and general for home insurance, I would cancel and go somewhere else. Make sure you have matching items in your policy. Don’t wait for things to go wrong. The flood I had was not the issue or the stress, is was the people employed and the work processes in place that have blatantly and continuously failed to meet any sort of basic standard. I have been told that not all claims are like mine. I wish I had something good to write but this is the experience I have unfortunately endured. To confirm, legal and general or fairmead as they tell you there name is on the IVR, however they represent themselves, this is who I am referring to.”

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Posted 3 years ago

“Rubbish service, been paying for 9 years, just about to move house and been trying to log in but they got birthdate and email wrong, but can't access my account as I can't pass security! It's been a month and the monkeys can't even correct it - how long does it take to look at a driving license and correct it? What would happen if we actually had a claim?”

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Posted 3 years ago

“I recently had a cancer diagnosis and wanted to check the policy I had paid into for 9 years for the security of my son and husband on my death, was all up to date, when I phoned they told me the policy had lapsed in January. My husband also has a policy and when we moved 4 years ago he didn't change the address on mine only his, so any correspondence was going to an old address, however after my husband suffered from mental illness last year, he had taken his eye off the ball and missed a direct debit legal and general said they emailed him regarding this, it had gone to spam? I recently escalated this as a complaint as they are refusing to reinstate the policy. All it would have taken was a phone call from one of their team members to check if we wanted to continue with the policy, after 9 years of payments! Apparently they don't do outbound calls, I'm in disbelief and can't believe how uncaring they are in people's time of need. They said they would possibly reinstate my policy after completing a clean health check, after me telling them I've been diagnosed with bone cancer, laughable! They repeatedly said it was our fault as we didn't change the address in the policy which I get but at least try and contact us a different way, disgusting! 9 years of our hard earned money paid into this company and we are left with nothing!”

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Posted 3 years ago

“Tried getting some of my pension but l&g seem to think my pension is theres ,lied to false imformation forms lost ,told id get it within 5/7 days now end of april ,they seem to make there own rules as long as they dint have to give you which is yours anyway awfull company”

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Posted 3 years ago

Legal & General is rated 1.7 based on 614 reviews