Legal and General Travel Insurance Review and Quotes
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Discover the methodologyIt might be the least exciting thing about your journey. But travel insurance is a must-have when it comes to getting assistance from the other side of the world.
Are you aware of this and are here to know whether Legal and General is the right company to go on holidays with?
In this definitive Legal and General review, we will tell you everything you need to know about their travel insurance policies: coverage options, prices, contact details, cancellation or claim process and much more. Let’s dive in!
Is Legal and General the best travel insurance for you?
Always just going for the cheapest travel insurance might not be the best option when it comes to getting assistance or a refund abroad.
At Safe, we strive to help any people travelling from the UK to get the best travel insurance to leave home with complete peace of mind. This is why we’ve dug into Legal and General travel insurance policy booklet and attributed our own neutral rating based on five weighted criteria as shown below.
3,6 Safe overall rating for Legal and General
| Safe rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction |
Easily accessible policy documents | |
| Cover provided |
Policies available across 3 levels | |
| Value for money |
Affordable premiums | |
| Financial strength |
Legal & General Travel Insurance is sold and administered by Hood Travel Limited which is authorised and regulated by the Financial Conduct Authority | |
| Technology |
User friendly website |
Legal and General travel insurance reviews by expert and consumers
| Review organisation | Legal and General travel insurance reviews |
|---|---|
| Defaqto expert | Not Available |
| TrustPilot | 3,4/5 based on more than 9.8K opinions |
To check if Legal and General is the right travel insurance for you, you can use our free travel insurance comparison tool and get quotes from main travel insurance companies in a few seconds only. 100% anonymous and free.
Find the best travel insurance in just a few seconds!
What does Legal and General travel insurance cover?
Legal and General travel insurance offers different travel insurance covers to suit any traveller needs, whether you’re leaving for three days alone in Scotland or six months in Antarctica with your partner or whole family.
Legal & General's travel insurance policies are available for individuals, couples and families.
Legal and General single-trip and annual multi-trip travel insurances
| Single and annual multi-trip days and age limits at Legal and General | |
|---|---|
| Maximum days per trip | Single Trip: 94 days |
| Maximum age limit | Single Trip: 79 years |
You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at Legal and General:
Policy name | Bronze | Silver | Gold |
|---|---|---|---|
| Excess (if not stated) | £100 | £75 | £50 |
| Medical expenses | £10M | £12.5M | £15M |
| Trip cancellation / curtailment | £1,500 | £5,000 | £7,500 |
| Delayed departure 12 hours | £25 | £30 | £50 |
| Delayed departure max | £250 | £300 | £500 |
| Baggage & belongings | £1,000 | £2,000 | £3,000 |
| Money including cash | £250 | £500 | £750 |
| Repatriation | £10M | £12.5M | £15M |
| Personal liability | £2M | £2M | £2M |
| Personal accident (excess £0) | £10,000 | £20,000 | £30,000 |
| Legal expenses (excess £0) | £20,000 | £30,000 | £50,000 |
| Hospital benefit (excess £0) | x | x | x |
| Accommodation cover | £1,500 | £5,000 | £7,500 |
| Pet care (excess £0) | £250 | £500 | £750 |
| SAFI* | £1,500 | £1,500 | £1,500 |
| Medical screening | x | x | x |
| Cruise cover | Optional | Optional | Optional |
| Winter sports | Optional | Optional | Optional |
| Golf Cover | Optional | Optional | Optional |
Find the best travel insurance in just a few seconds!
Legal and General winter sports travel insurancet
The winter sports travel insurance is usually an option that you can take on top of your single or annual multi-trip policy.
Optional Winter Sports Cover is available at Legal & General and it comes with the following benefits:
- Available across 3 levels of cover: Bronze, Silver and Gold
- Up to £1,000 for ski equipment that you own
- Up to £400 for ski equipment that you hired
- Up to £500 piste closure cover
- Up to £500 avalanche cover
- Up to £500 continued physiotherapy cover
- Up to £250 ski pack cover
- Up to £500 for delayed ski equipment.
What are the other travel insurance options available at Legal and General?
| Travel insurance options at Legal and General | |
|---|---|
| Legal and General golf cover | Optional Golf Cover is available at Legal & General and it comes with the following benefits:
|
| Legal and General business cover | Optional Business Travel Cover is not available however, you may still be covered under the Single or Annual Multi Trip policies if you choose to travel for business. |
| Legal and General cruise cover | Optional Cruise Cover is available at Legal & General and it comes with the following benefits:
|
| Legal and General gadget cover | Gadget are covered as standard at Legal & General but you can increase the limits of the gadget cover by paying additional premium and you can get the following:
|
| Legal and General other extras | Other upgrades available at Legal & General are:
|
Watch out!
Due to Brexit, some outbound flights from international airports might be delayed or cancelled. We would advise you to call Legal and General before travelling and make sure you get the right compensation amount for your flight or journey if it is cancelled or delayed as well as for Schedule Airline Failure Cover.
How much is Legal and General travel insurance?
You'll find below indicative quotes per level of cover at Legal and General:
You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at Legal and General:
Policy name | Bronze | Silver | Gold |
|---|---|---|---|
| Price - 3 days trip - 30 years old - Europe | £7,12 | £13,25 | £19,34 |
Find the best travel insurance in just a few seconds!
It is, however, quite difficult to give precise price ranges as Legal and General travel insurance policy quotes will depend on a range of factors such as:
- Your age at the time of travelling
- The length of your stay
- Your trip destination (Europe, North America, Worldwide)
- The period you wish to be covered for (single trip, annual multi-trip, extension)
- If you need specific insurance (cruise, ski, backpackers, gadget cover)
- Your medical condition before travelling
- Who is travelling with you (on your own, as a couple, as a family).
Can I get travel insurance discounts or promo codes at Legal and General?
No discounts mentioned on the Legal and General website.
Use our travel insurance comparison tool to be aware of latest promo codes and vouchers available at Legal and General.
What else should I know about Legal and General travel insurance?
What are the general exclusions at Legal and General travel insurance?
To be eligible for a travel insurance policy at Legal and General:
- You must be a resident of the UK, the Channel Islands, or the lsle of Man
- You must take all reasonable precautions to protect yourself and your property against accidents, injury, loss and damage
- You must have a valid policy schedule
- You must not extend the period of insurance
- You must be within the age limit
- You must contact the company as soon as possible whenever an incident occurs
- You must agree that no alterations can be done to the terms and conditions of the policy unless the company has agreed to do so in writing.
How do I get travel insurance quote from Legal and General?
Nothing easier. Use our 100% online travel insurance comparison tool to compare all policies in just a few seconds, without giving any personal details. If Legal and General is the right one for you, then just click on get quote and you'll be automatically directed through the company's sale channel.
Good to know
Shopping around while shopping for personal insurance and not auto-renewing is always the best way to get the best deal and benefit from new customers discounts.
How do I log in to Legal and General website?
Through the customer portal, you can view and renew your travel insurance policy.
Access the customer portal.
How to claim at Legal and General travel insurance?
Claims can be done through phone calls or emails.
| How to claim on Legal and General travel insurance? | |
|---|---|
| Claim by email | [email protected] |
| Claim by phone | +44 (0)800 107 5564 |
How do I contact Legal and General travel insurance?
Legal and General contact phone numbers
| Services | Phone numbers | Opening hours |
|---|---|---|
| Customer Service | 0800 197 6829 | Monday to Friday: 9am to 5pm |
| Legal Helpline | 020 8603 9804 (UK) '+44 20 8603 9804 (Abroad) | Available 24/7 |
| Medical Emergency | +44 (0)20 8666 9315 | Available 24/7 |
| Claims | +44 (0)800 107 5564 | Not Stated |
| Gadget Claims | +44 (0)330 880 1752 | Not Stated |
Legal and General other contact details
| Contact details | |
|---|---|
| Address | Legal & General Travel Insurance |
| [email protected] |
How to cancel your annual Legal and General travel insurance policy?
You will find below main information to cancel your travel insurance policy at Legal and General:
| How to cancel Legal and General travel insurance? | |
|---|---|
| Cancellation fees during cooling off period of 14 days | £0 |
| Cancellation fees outside cooling off period | No refund |
| Cancel by email | [email protected] |
| Cancel by phone | 0370 060 0344 |
Our opinion on 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.
