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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

Excellent company would recommend to everyone

Customer Service is excellent, pricing is competitive. Reviewed on: 11th September 2016

Generally good but staff could do with a common sense injection

I was burgled, all my electronics were taken. Although generally the service was good I was sent a camera bag that didn't fit the camera they provided me with and 4 months later I still hadn't received a replacement DS. After 4 phone calls they admitted it was because they hadn't got one in the same colour! At no point during the previous 3 phone calls did the staff think to offer me an alternative colour (of which they had loads) Reviewed on: 11th September 2016

Very helpful

Left laptop on train. Was replaced (since named item) and due to the one we bought no longer being available we ended up with a better one than we started with! Was hassle free and call center staff were friendly and helpful throughout. Now have all my insurance through them. Reviewed on: 25th August 2016

Excellent service when I needed it most

My phone was stolen within 6 weeks of purchase. I was panicking about the replacement cost but was worried that a claim would seriously effect my policy so rang and made an enquiry. Jo from Legal and General was very pleasant and polite from start to finish, offered to call me back when she knew it would take a few minutes to obtain some information and found the highest price she could for my phone. She also weighed up the pros and cons of making a claim for the phone and wasn't pushy when I was deciding. I didn't have to pay the excess upfront as it came out of the cheque which was great as I had just moved and was short for money. I received the cheque within 2 weeks of my claim and the whole process was so much easier than I thought it would be. Reviewed on: 18th August 2016

Reasonable renewals

I like how the premium doesn't go up each year for no reason! Reviewed on: 14th August 2016

professional, affordable, reachable

Great professional service, good value policies and easy communication when you need them - including strong social media engagement. Reviewed on: 14th August 2016

Best price for the best cover

It was so easy to set up my insurance with Legal and General and I found the customer service really friendly and able to answer all my queries. This gives the best cover and the lowest price so I'm really happy with them. I'd highly recommend. Reviewed on: 13th August 2016

Value for money

Easy to get a quotation and great value ( cheaper and offered more cover than my renewal quote) Reviewed on: 1st August 2016

AVOID

The most horrendous experience I have ever had from a company who has terrible communication and does not even follow its own complaints procedures. Aftet 9 months and no kitchen or cooking facilities since my initial claim, I am still waiting fir a settlement. The company refused to follow instructions from the Financial Ombudsman Service adjudicator. The stress has resulted in time off work and a nervous breakdown. Reviewed on: 28th July 2016

very easy renewal

I recently renewed my home and contents insurance with Legal and General after receiving my renewal quote.I spoke to a very helpful adviser who went through the policy and actually managed to get my quote down by £28 with the same cover as before.I highly recommend Legal and General for home insurance as they provide a competitive quote and comprehensive cover with lots of features included which other companies charge extra for. Reviewed on: 24th December 2015

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