Is Legal and General a Good Insurance Company?
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Discover the methodologyYou are considering buying an insurance policy at Legal and General and are wondering if Legal and General is the best insurer for you?
You've come to the right place!
In the below guide you’ll find everything you need to know about Legal and General: expert and consumers reviews, insurance policies detailed, recommendation, contact and much more.
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Safe's mission is to help anyone trying to get the best value for money deal on personal insurance making the right decision. We've analyzed over 1000 insurance companies and contracts. You will find below our independent and neutral rating and evaluation for Legal and General.
Who is Legal and General?
Legal & General was founded in 1836 and has since grown to be one of Europe’s biggest insurance groups offering a wide range of insurance products including home, travel, pet, and landlord insurance. It also offers other financial products such as mortgages, investments and retirement options.
What are the main insurance policies available at Legal and General?
Let's discover below main insurance policies offered by Legal and General.
| Safe overall rate | Our reviews | |
|---|---|---|
| Travel insurance | Get to know more | |
| Home insurance | Get to know more | |
| Life insurance | Get to know more | |
| Pet insurance | Get to know more |
Legal and General expert and consumers reviews: Defaqto, TrustPilot
Legal and General is regularly audited by Defaqto expert rating. Defaqto ranks each company as well as policies with scores of 1 to 5 stars. Cover details, admin fees, value for money, claim and complaint process and more are analyzed and weighted.
Consumers, on the other hand, can write down their opinions on independent websites such as TrustPilot, Reevoo or Reviews which give great insights on claim process and refund as well as customer service at Legal and General.
| Defaqto | |
|---|---|
| Home insurance | Silver: 4 stars |
| Pet insurance | Lifetime £10,000 Limit: 5 stars |
Is Legal and General a good travel insurance company?
3,6 Safe overall rating for Legal and General travel insurance
Legal & General Travel Insurance is sold and administered by Hood Travel Limited which is authorised and regulated by the Financial Conduct Authority.
The company offers Single and Annual Multi Trip Policies across 3 levels: Bronze, Silver and Gold. Their levels of cover have higher than average limits. For example, medical emergency cover's limit can get as high as £15M and the cancellation cover limit as high as £7,500. In addition to the main policies, they offer a wide range of optional covers such as Winter Sports, Wedding Cover, Catastrophe Cover, Cruise Cover and Golf Cover.
Due to the high customer satisfaction rate on TrustPilot, we would recommend Legal & General to anyone looking for Single or Annual Multi Trip policies that offer high limits for their covers.
For single and annual multi-trip cover, age and maximum number of days limits at Legal and General are:
| Main travel insurance policies | Available at Legal and General |
|---|---|
| Legal and General maximum number of days limit | Single Trip: 94 days |
| Legal and General age limit | Single Trip: 79 years |
You will find Legal and General cover details (compensations, deductibles, extras etc.) for single and annual multi-trip policies in our review.
Besides main travel insurance policies, Legal and General also provides extra cover such as:
- backpackers travel insurance
- long stay travel insurance
- winter sports cover
- golf cover
- cover for business trips
- cruise gear
- gadget cover
Other upgrades available at Legal & General are:
- Catastrophe Cover
- Wedding Cover.
>> MORE: read our complete review on Legal and General travel insurance.
Is Legal and General a good home insurance company?
4,6 Safe overall rating for Legal and General home insurance
Legal and General insurances are underwritten by Legal & General Insurance Ltd, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Legal & General offers two different types of home insurance: the Silver home insurance and Gold home insurance. Both of the options include buildings and contents insurance but they can be bought as a combined policy if needed.
Legal & General offers two levels of home insurance cover: Silver and Gold. Silver is designed for those on a budget, whilst Gold has been created for those requiring more comprehensive cover. Gold includes accidental damage cover and home emergency cover as standard. Bicycle cover, cover for items away from home, cover for valuables and Family Legal Protection can be added to both policies as optional extras.
The Silver cover has a 4 star Defaqto rating while the Gold cover has a 5 star rating. Their services are recommended as their customer care service is good and they have a high financial capability to pay out claims.
Legal and General building insurance
You will find below building main insurance details for the Home Insurance cover at Legal and General:
- Maximum sum insured for your property: Silver: £1,5M / Gold: £1,5M
- Owner's liability: Silver: £2M / Gold: £2M
- Alternative emergency accomodation: Silver: £50 000 / Gold: £100 000
- Period of home's unoccupancy cover: 60 days
- Trace and access: Up to £5 000 - Only available for the Gold Home Insurance Cover
- Keys cover: Up to £150 000
- Subsidence excess: £500
Alongside building insurance, you can get additional cover such as:
| Home building insurance extras | |
|---|---|
| Home emergency |
|
| Boiler cover |
|
| Family legal protection |
|
Legal and General contents insurance
You will find below contents insurance details for the Home Insurance cover at Legal and General:
- Maximum sum insured for your contents: Silver: £150 000 / Gold: £150 000
- Alternative emergency accomodation: Silver: £15 000 / Gold: £30 000
- Single item limit: £10 000
- Contents in the open: £2 500
- Contents in outbuildings: Up to £150 000
- Money / credit card kept at home: £500 / Not covered
- Items temporarily removed from home: Not covered
Alongside contents insurance, you can get additional cover such as:
| Home contents insurance extras | |
|---|---|
| Accidental damage cover | Optional extra only available for the Gold Home Insurance Cover |
| Personal possessions cover |
|
| Mobile cover |
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| Bike cover |
|
Standard excess to report a claim at Legal and General is £200.
You will find exhaustive cover details, administration fees, contacts etc. on Legal and General home insurance on our review below.
>> MORE: read our complete review on Legal and General home insurance.
Is Legal and General a good life insurance company?
4,2 Safe overall rating for Legal and General home insurance
Legal & General paid out 92.56% of all life assurance claims made. This attests to their financial capabilities as an insurance company. Legal and General has a 5 star rating from Defaqto and a 3.2/5 rating from TrustPilot. Legal and General offers a range of life insurance policies, including level term and decreasing term cover, as well as critical illness cover and policies designed for policyholders over the age of 50. They also offer Accidental death benefit and life cover. However, no whole of life policy option is offered. The insurance company is recommended as they have high financial capabilities and a wide range of cover options to pick from at an affordable amount.
In summary, here are the main features you need to know when taking out life insurance with Legal and General.
| Life insurance criteria | |
|---|---|
| Minimum age | 18 years |
| Maximum age | 77 years |
| Pay-out | Not stated |
| Extras |
|
| Terminal illness | Yes |
You will find everything you need to know on Legal and General life insurance in our review.
>> MORE: read our complete review on Legal and General life insurance.
Is Legal and General a good pet insurance company?
4,6 Safe overall rating for Legal and General pet insurance
Legal & General is an insurance and asset management company founded in 1836. Along with investment and retirement products, it offers home, lifestyle, travel and pet insurance. Their policies are underwritten by Legal & General and they offer three levels of cover for pet insurance which are: Lifetime, 12 Month and Accident Only.
Lifetime pet insurance is the most comprehensive type of pet insurance as it covers a wide range of options. This policy option has a 5 Stars Defaqto rating and it provides cover for new conditions or accidents that occur over the course of your pet’s lifetime as long as the policy is renewed. There are three types of Lifetime cover to choose from and they are: Lifetime £2,000, Lifetime £4,000 and Lifetime £10,000.
The 12 months policy on the other hand only provides cover for a 12 months period; this does not put into consideration long term illnesses or medical conditions. The two levels of cover that can be selected under the 12 months policy are: 12 Month £2,000 and 12 Month £5,000.
The last policy type offered is the Accident only policy which provides basic cover for your pet. It however comes in handy in the case of an accident as a sum of £2,500 is provided to take care of the pet. Other services like access to the Vet Finder service, Legal advice line, a bereavement helpline and pet funeral cover are also provided. The insurance policy is recommended as they offer a wide range of services to suit the budget of the policyholders and they have the financial capacity to pay out claims.
What does Legal and General pet insurance cover in a nutshell?
Legal & General offers Accident Only, Lifetime and Time Limited types of cover. Policies available are:
Accident Only: £2,500 per accident per policy year - No annual policy limit -
Lifetime:
- Per Condition Limit Per Year of £2,000 - Unlimited number of new conditions - Limits reinstated on renewal
- Per Condition Limit Per Year of £4,000 - Unlimited number of new conditions - Limits reinstated on renewal
- No Per Condition Limit - Annual Policy limit of £10,000 - Limits reinstated on renewal
Time Limited:
- Per Condition Limit of £2,000 - Unlimited number of new conditions - 12 months from date condition was first noticed
- Per Condition Limit of £5,000 - Unlimited number of new conditions - 12 months from date condition was first noticed
>> MORE: read our complete review on Legal and General pet insurance.
Legal and General discount codes, promos and vouchers
| Discounts and promo codes available | |
|---|---|
| Travel insurance | No discounts mentioned on the Legal and General website. |
| Home insurance | Discount is given for buying combined policy. |
| Life insurance | A £100 gift voucher is given to policyholders |
| Pet insurance | A 10% multi pet discount is given when you insure more than one pet. |
How to contact Legal and General?
Find out how to contact and log in to Legal and General on our contact page.
