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

“Would not allow me to make a claim for what I was covered for.”

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(Home Insurance) - Posted 9 years ago

“I found L&G to be quick in taking your premiums but not quick in settling claims. What's the point of having insurance when you can't use it when you need to. I submitted a claim with L&G two and a half months ago (at the same time as a claim with FriendsLife). I included all my medical evidence and Friendslife settled my claim within 2 weeks. I am still waiting for L&G to confirm if my claim is valid. I have not had one letter/phone call/email from L&G over this period, and if it were not for me phoning them to get an update, I'd be none the wiser. I would definitely not recommend them for any protection insurance products. Friendslife is so much better!!!”

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Posted 9 years ago

“I used the L & G website to set up a policy When I phoned the call centre to request an exchange cover note I discovered the website had mixed up the house numbers on the ‘Insured Property Address’ and my ‘Previous Address. This is a website software bug. The Address is selected / validated by Postcode and the House number. The Address on the Policy Schedule simply did not physically exist. The Call centre was unable to rectify this error and had to cancel the policy.”

Helpful Report

Posted 9 years ago

“Update from my issue below :- Today I was called by customer services Val, saying they were looking into my claim BUT was I aware of the access I would have to pay if the claim was validated, but then they said if I accepted they would increase my premium for next time, I said how much would it affect my payments they could not give me the information, I said how can I make the decision to proceed with my complaint and claim without knowing how much the implications of accepting the claim would impact my payments they basically said you have to wait until the end of the term to see what the implications will be. I felt like this was a deliberate tactic to put me off making my claim. For a claim of £480 I will have to pay a £250 excess AND my monthly payments will go up. She basically said tyo me I have to consider whether it is worth it... that is like saying it is a BIG Mistake to claim from them if the value of the claim is not high...”

Helpful Report

Posted 9 years ago

“Learn from my very poor experience, here are several things to watch out for when dealing with legal and General. Firstly, the incident: I have just had a very poor, expensive episode with Dynorod and Legal & General. The short version, there was a blockage in my drains and raw sewage came up through my downstairs toilet and flooded the room. I called my insurance company and they told me what I needed to do. I called Dynorod (Mistake Number one - did you know that untied utilities come out and sort this free of charge, I was not aware of this and ended up paying Dynorod £500 - useful for you to know). A team came out and traced the issue in the garden, they dug a whole, renewed the bend and left, during their time they put the cctv camera down. I though all was well until I tried to claim from Legal and General (who I had been with for many years but not anymore after the way they treated me and did everything to try to get out of paying. Firstly they said that if I wanted to claim on the damage inside the house caused by the issue outside I would have to pay the excess twice, one for internal cover and one for external cover even though the damage came from outside. It turns out that the images Dynorod took were of the pipe after they repaired it which Legal and General said did not show evidence of ground movement, and I have to agree with them but they had an engineer’s report from a “leading” drain company I said would you not take the report and the word of a leading drain company as evidence as they say it was an insured peril, they said no I thought I was doing the right thing going to a big company instead of a local drainage company so that things like this would not happen, but in the end I have been left out of pocket and disillusioned by two supposed leading companies. Summary & Tips: • Check the small print in your insurance for what you need to provide as evidence, I do not recommend legal and general, they were so busy trying not to pay out they forgot I was a customer. • Do not trust telephone calls (unless they are recorded) get everything in writing. • Watch out with Legal and General when you ask to be put though to their line manager or complaints department they just give you the telephone number of the sales line and you have to go through all the stages again to get through then they do it again...they play games with you. • Legal and general actually admitted that the report from the Dynorod engineer was worthless (even though they insisted on it) they would only accept a photograph, one even told me a photograph of the broken pipe may have sufficed, I laughed and said how would that be evidence. • Take your problems with these companies to the Financial Conduct authority http://www.fca.org.uk/ or http://www.financial-ombudsman.org.uk/ This is what I am doing now although I feel they will join forces to block me. (David and Goliath) Dynorod and Legal and General make it very hard for you to get to someone in authority to make an official complaint but keep trying there are people in the way whose job it is to try to block you and put you off – DON’T GIVE UP, they use the fact they are so big and you do not matter because you are so small and they have lots of customers losing you does not hurt them, but if we stand up to them they will have to take us little people seriously and treat us with respect and fairly. In my mind they should have been able to take a written report from one of Europe’s leading drainage companies as sufficient evidence, this to me is evidence they will do anything to get out of paying a claim, we are talking £500 not £100’s of thousands, I paid them much more than that, but as I say losing customers is no hardship for them. I am putting my name to this because I feel so strongly about the way they treat us, in this day and age these companies need to go back to common sense real customer service and valuing customers. Ann Forde-Johnston Ref # D140773938”

Helpful Report

Posted 9 years ago

Legal & General is rated 1.7 based on 614 reviews