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Royal London: Personal protection insurance reviews

Name: Personal protection insurance
Rating: 3.13 (45 reviews)

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3.13

Based on 45 reviews, last reviewed 20th Aug 2026

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

38%

3 star

51%

Latest highest rating:

5

good pensions provider company good pensions provider company reputable Reviewed on: 20th August 2026

Latest lowest rating:

1

Dreadful company Life insurance claim totally ignored. All communications received the same response , to complete the online form which had already been done. Reminde... Read more Reviewed on: 6th June 2026

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About this product

Royal London life insurance provide a range of personal protection policies.

Choose from critical illness, life insurance and income protection policies.

Royal London personal protection insurance reviews help you find out what it’s really like to be a customer. If you’ve used Royal London before, you can also leave a review and share your experience.

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Royal London Personal protection insurance reviews (45)

good pensions provider company

good pensions provider company reputable Reviewed on: 20th August 2026

Dreadful company

Life insurance claim totally ignored. All communications received the same response , to complete the online form which had already been done. Reminders disregarded. Customer service so poor in dealing with someone after losing a parent. Reviewed on: 6th June 2026

I’ve had a positive experience with Royal London lif...

I’ve had a positive experience with Royal London life insurance. The process was straightforward, communication was clear, and it’s given me real peace of mind knowing my family would have financial protection if anything happened to me. I also like that the cover can be tailored to different needs, whether that’s protecting a mortgage or providing longer-term family support. Royal London offers term and whole-of-life cover, with options such as level, increasing, or decreasing cover depending on the policy. Reviewed on: 5th May 2026

Terrible

Dreadful experience waiting for our money to arrive Reviewed on: 28th August 2025

Life insurance

Good trusted company , good value for money Reviewed on: 28th June 2025

Very Poor Service

Have had a claim on a bereavement policy closed twice because of the inability of Royal London to understand the documents that I have sent to them. I have submitted a complaint through their complaints team and have had very little response from them. I wont ever use them again. Reviewed on: 21st May 2025

This is a disgrace

This company is a disgrace and clearly employs internal policies (which they won't share) to hold onto people's money. My father recently past away and had a life assurance policy which when I initially contact Royal London on the 3rd of Jan was told due to the type of product it wouldn't need Grant of Probate to pay out. I then submitted a signed will and death certificate as required legally for it to be released. Today (7th of Jan) I received an email stating they can't progress the claim as they need a Grant of Probate?? no explanation as to why. So after calling and requesting a call back I had a conversation with one of the breavement team who said in summary that they can't pay out due to the amount and that Royal London has "thresholds" that if the value is say one pound over the threshold they won't pay out even though all legal documentation has been given. So for example Royal London as I was told will pay out anything upto £100k without a is Grant of Probate but if you go one pound over the £100k you will need G of P! How ridiculous is that. They have no legal basis to hold onto the money but they have their internal thresholds to hold out paying! So in summary Royal London have no legal basis to hold onto money which is now owed to my family they do have their "thresholds" which has no legal basis whatsoever. This is clearly a way for Royal London to hold onto a deceased persons money as long as possible which is a disgrace! Also on the 7th the bereavement advisor "Josh" said he would send me an email that day covering the points discussed and stating they would let pay put due to thresholds and that they wouldn't share the documents. Guess what??? I didn't get that email ! Update as of the 13th after speak to a errmm so called Customer Relations case consultant who I must say was particularly rude and constantly interrupted me and talked over me! I explained in detail what had happened she then sent a response and wow she clearly wasn't listening very well and after playing email tennis the following day it was only when I phoned her she admitted she'd made a mistake. So multiple customer service failures on Royal Londons part which will be sent to the Ombudsman. Just incompetence at its finest.... Reviewed on: 16th January 2025

Got the insurance over a year ago.

Got the insurance over a year ago. Tried to talk to them today,first someone answered and hung up on me.After tried again about half an hour no one answered the call.To sell me insurance and get money from me they contacted me numerous times.Now when I want to talk to someone of them no one answered the phone. So going to cancel my direct debit. Reviewed on: 14th January 2025

Absolutely worst insurance company

Absolutely worst insurance company, ever. Have taken from my account 500£ without explaining why/what service I have received. They said they investigating and its been 3 months. They ignoring messages, and when I call them they transferring. Absolutely terrible experience. Reviewed on: 29th November 2024

I have been diagnosed with terminal pancreatic cance...

I have been diagnosed with terminal pancreatic cancer and have diabetes plus a D.V.T. I have applied for a last year of life pay out they have asked for my consultants report which they've had for weeks they then wanted my GP report whom I haven't seen for 7 months and only knows what the consultant tells him. After that it goes to there medical department who has never seen me for assessment the last time I had contact they told me it was with them for 5 days but the previous week was told the same thing which makes it 10 days and I still am no further forward how are they allowed to treat terminly ill people like this when we have paid insurance to have a few pounds we thought we could rely on or am I nieve expecting an insurance company to actually pay out Reviewed on: 16th November 2024

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