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Legal and General: Home Insurance reviews

Name: Home Insurance
Rating: 3.47 (86 reviews)

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3.44

Based on 86 reviews, last reviewed 4th Sep 2024

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

46%

19%

30%

Latest highest rating:

5

Very straightforward service and competitive costs. Very straightforward service and competitive costs. Only once have I put in a claim and it was dealt with really well, although I decided to not go ah... Read more Reviewed on: 4th September 2024

Latest lowest rating:

1

If I Could Give Lower Than a Zero Star. I would. I tried to get a life insurance policy with L&G and was turned down based on one letter from my GP. If they had an AHMP employed in their company, the... Read more Reviewed on: 7th June 2022

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About this product

Legal and General are no longer offering home insurance after being bought by LV=. You can read reviews (or write your own) for LV= home insurance on our site by searching for LV=.

Legal and General Home Insurance reviews (86)

Review of the Legal and General, Home Insurance:

Life Ruining

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. Reviewed on: 8th April 2022

Changed policy cover without bothering to tell me

I took out home insurance with Legal & General in January 2017. I received no communication from them until a renewal e-mail arrived in December. When I took the trouble to look through the renewal documents, I noticed they didn't cover my wife's engagement ring, which had been a separately-listed high value item for which I'd paid a premium. When I called to clarify, they told me they had stopped covering this in June, and had sent me a message to my online account to tell me this. I received no notification of this message, no letter, no e-mail, and no phone call. Unless you want to have to log in and check your secure online messages every few months to make sure Legal and General haven't changed your cover without telling you, do not use them for insurance. I also echo the comments about extremely long wait times to talk to them on the phone. Reviewed on: 21st December 2017

Good all round home insurance

Easy to renew with decent coverage at reasonable price. Reviewed on: 10th November 2017

Great!

Happy with this company. They've always been polite and friendly when I've called with an update or query. Reviewed on: 1st October 2017

Can't be beaten on price!

As the title suggests legal and general offer the most comprehensive cover at the lowest price of any company I have ever used. Fantastic company that I will not hesitate to keep using. Reviewed on: 1st October 2017

Used them for about a decade

Check the rates against the competition, hassle them when I have to, to get a decent rate. Reviewed on: 22nd September 2017

Legal and general

I am lucky enough not to have to need to claim,however the documentation from legal and general spells out the extent of your cover.This leaves you assured and allows you to make an informed choice at renewal stage because they are clear on their cover i believe makes them competitive in insurance markets Reviewed on: 17th September 2017

Exellent

Exellent service and a great value product Reviewed on: 11th September 2017

House insurance

Very good cover at a good premium. Poor comms when up for renewal as no reminder, just renewed. Reviewed on: 11th September 2017

Free legal cover for duration of policy

L&G offers free legal cover for the duration of any home insurance at the moment - it's a great deal from a great company. Having not had legal cover when I needed it with a dispute with a previous employer, now I value this hugely with an insurer so to have it free is really great. Reviewed on: 10th September 2017

You Don't Get any Thanks forLoyalty

After years of buying buildings and contents insurance from my mortgage provider I changed to Legal and General five years ago and have saved £2,220 in five years. I chose them from a comparison site because they were the cheapest provider for roughly the same amount of cover. Their website is easy to use with all the important information displayed in an easy to understand format. I have found them to be consistently the cheapest provider for the amount of cover I need and have only gone up by £4 in five years. Reviewed on: 4th September 2017

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