Legal & General

Legal & General is a multi-national insurance, pensions and investments company based in London. It was founded in 1836 by a group of six lawyers. It is listed on the London Stock Exchange and is a member of the FTSE 100. 

Legal & General
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Home insurance (building and contents)

Ranked 51st of 52 providers reviewed.

Customer happiness 52.83%
Customer trust 46.67%
Complaints performance 68.56%
Transparency rating 55.59%
Fairer Finance score
Reviewed Spring 2021
56%

Life insurance

Ranked 17th of 25 providers reviewed.

Claims score 68.50%
Complaints performance 85.05%
Transparency rating 54.11%
Fairer Finance score
Reviewed Spring 2021
69%

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Home insurance (building and contents)

Legal & General

Home Insurance Gold

4 stars
Matching sets i
Theft from outbuildings cover limit i £5,000
Escape of water excess i £500
Alternative accommodation cover limit i £100,000
Cover for keys if lost i Sum Insured
Money in the home i £500
Replace belongings new for old i
24hr helpline i

Legal & General

Extra (Comparison site)

3 stars
Matching sets i
Theft from outbuildings cover limit i £3,000
Escape of water excess i £250
Alternative accommodation cover limit i £50,000
Cover for keys if lost i £750
Money in the home i £500
Replace belongings new for old i
24hr helpline i

Legal & General

Home Insurance Silver

3 stars
Matching sets i
Theft from outbuildings cover limit i £2,500
Escape of water excess i £500
Alternative accommodation cover limit i £50,000
Cover for keys if lost i Sum Insured
Money in the home i £500
Replace belongings new for old i
24hr helpline i

Legal & General

Essentials (Comparison site)

2 stars
Matching sets i
Theft from outbuildings cover limit i £1,000
Escape of water excess i £250
Alternative accommodation cover limit i £25,000
Cover for keys if lost i £500
Money in the home i £100
Replace belongings new for old i
24hr helpline i

Buildings insurance

Legal & General

Home Insurance Gold

4 stars
Finding & repairing a leak cover limit i £5,000
Cover for keys if lost i Sum Insured
Matching sets i
Alternative accommodation cover limit i £100,000
Cover for keys if stolen i Sum insured
Compulsory excess i £100
Escape of water excess i £500
24hr helpline i
Property owner liability i £2,000,000

Legal & General

Extra (Comparison site)

4 stars
Finding & repairing a leak cover limit i £5,000
Cover for keys if lost i £750
Matching sets i
Alternative accommodation cover limit i £50,000
Cover for keys if stolen i £750
Compulsory excess i £100
Escape of water excess i £250
24hr helpline i
Property owner liability i £2,000,000

Legal & General

Home Insurance Silver

2 stars
Finding & repairing a leak cover limit i £0
Cover for keys if lost i Sum Insured
Matching sets i
Alternative accommodation cover limit i £50,000
Cover for keys if stolen i Sum insured
Compulsory excess i £100
Escape of water excess i £500
24hr helpline i
Property owner liability i £2,000,000

Legal & General

Essentials (Comparison site)

2 stars
Finding & repairing a leak cover limit i £0
Cover for keys if lost i £500
Matching sets i
Alternative accommodation cover limit i £25,000
Cover for keys if stolen i £500
Compulsory excess i £100
Escape of water excess i £250
24hr helpline i
Property owner liability i £2,000,000

Contents insurance

Legal & General

Home Insurance Silver

4 stars
Theft from outbuildings cover limit i £2,500
Matching sets i
Cover for keys if lost i Sum Insured
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i £15,000
Money in the home cover limit i £500
Cover for keys if stolen i Sum insured
24hr helpline i

Legal & General

Home Insurance Gold

4 stars
Theft from outbuildings cover limit i £5,000
Matching sets i
Cover for keys if lost i Sum Insured
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i £30,000
Money in the home cover limit i £500
Cover for keys if stolen i Sum insured
24hr helpline i

Legal & General

Extra (Comparison site)

3 stars
Theft from outbuildings cover limit i £3,000
Matching sets i
Cover for keys if lost i £750
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i 25% of sum insured
Money in the home cover limit i £500
Cover for keys if stolen i £750
24hr helpline i

Legal & General

Essentials (Comparison site)

2 stars
Theft from outbuildings cover limit i £1,000
Matching sets i
Cover for keys if lost i £500
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i 15% of sum insured
Money in the home cover limit i £100
Cover for keys if stolen i £500
24hr helpline i

Life insurance

Over 50s life insurance

Legal & General

Over 50s Life Insurance Fixed Plan

2 stars
Age when premiums stop i 90
Cover for accidental death in waiting period i Full payout
How long after policy is started can full benefits be claimed? i 12 months
Maximum age i 80
Payout for accidental death outside waiting period i Full payout
Can you reduce monthly payments? i Yes (after one year)
If a payment is missed, how long until the policy is cancelled? i 30 days
Does the policy offer the customer a proportionate amount of money back if they choose to cancel after paying 50% or more of the scheduled monthly payments? i
Discount offered with a funeral provider? i £300.00

Pet insurance

Cat insurance

Legal & General

12 months £5,000

3 stars
Vet fees cover limit per condition i £5,000
Dental cover (if due to an accident) i £5,000
If renewed, are existing conditions covered? i
Vet fees cover limit per policy period i Unlimited
Cruciate ligament damage i £1,500
CT scans i £1,500
MRI scans i £1,500
Prescription diet (treatment of bladder stones only) i £150
Euthanasia cover limit i £5,000
Cremation i £250
Complementary treatment i £750
Age when compulsory excess rises i Doesn't change
Cancellation fee i £30
Amendment fee i £10
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £1,000

Legal & General

Lifetime £2,000

3 stars
Vet fees cover limit per condition i £2,000
Dental cover (if due to an accident) i £2,000
If renewed, are existing conditions covered? i
Vet fees cover limit per policy period i Unlimited
Cruciate ligament damage i £1,250
CT scans i £1,250
MRI scans i £1,250
Prescription diet (treatment of bladder stones only) i £200
Euthanasia cover limit i £2,000
Cremation i £300
Complementary treatment i £1,000
Age when compulsory excess rises i 5 years
Cancellation fee i £30
Amendment fee i £10
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £1,500

Legal & General

Lifetime £4,000

3 stars
Vet fees cover limit per condition i £4,000
Dental cover (if due to an accident) i £4,000
If renewed, are existing conditions covered? i
Vet fees cover limit per policy period i Unlimited
Cruciate ligament damage i £1,500
CT scans i £1,500
MRI scans i £1,500
Prescription diet (treatment of bladder stones only) i £250
Euthanasia cover limit i £4,000
Cremation i £300
Complementary treatment i £1,500
Age when compulsory excess rises i 5 years
Cancellation fee i £30
Amendment fee i £10
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £2,000

Legal & General

Lifetime £10,000

3 stars
Vet fees cover limit per condition i £10,000
Dental cover (if due to an accident) i £10,000
If renewed, are existing conditions covered? i
Vet fees cover limit per policy period i £10,000
Cruciate ligament damage i £1,500
CT scans i £1,500
MRI scans i £1,500
Prescription diet (treatment of bladder stones only) i £250
Euthanasia cover limit i £10,000
Cremation i £300
Complementary treatment i £1,500
Age when compulsory excess rises i 5 years
Cancellation fee i £30
Amendment fee i £10
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £2,000

Legal & General

Accident Only

2 stars
Vet fees cover limit per condition i £2,500
Dental cover (if due to an accident) i £2,500
If renewed, are existing conditions covered? i
Vet fees cover limit per policy period i Unlimited
Cruciate ligament damage i £1,250
CT scans i £1,000
MRI scans i £1,000
Prescription diet (treatment of bladder stones only) i £0
Euthanasia cover limit i £2,500
Cremation i £150
Complementary treatment i £500
Age when compulsory excess rises i Doesn't change
Cancellation fee i £30
Amendment fee i £10
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £350

Legal & General

12 months £2,000

2 stars
Vet fees cover limit per condition i £2,000
Dental cover (if due to an accident) i £2,000
If renewed, are existing conditions covered? i
Vet fees cover limit per policy period i Unlimited
Cruciate ligament damage i £1,250
CT scans i £1,250
MRI scans i £1,250
Prescription diet (treatment of bladder stones only) i £100
Euthanasia cover limit i £2,000
Cremation i £250
Complementary treatment i £500
Age when compulsory excess rises i Doesn't change
Cancellation fee i £30
Amendment fee i £10
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £750

Dog insurance

Legal & General

Lifetime £4,000

4 stars
Vet fees cover limit per condition i £4,000
Dental cover (if due to an accident) i £4,000
If renewed, are existing conditions covered? i
Vet fees cover limit per policy period i Unlimited
Cruciate ligament damage i £1,500
CT scans i £1,500
MRI scans i £1,500
Prescription diet (treatment of bladder stones only) i £250
Euthanasia cover limit i £4,000
Cremation i £300
Complementary treatment i £1,500
Age when compulsory excess rises i 5 years
Amendment fee i £10

Legal & General

Lifetime £10,000

4 stars
Vet fees cover limit per condition i £10,000
Dental cover (if due to an accident) i £10,000
If renewed, are existing conditions covered? i
Vet fees cover limit per policy period i £10,000
Cruciate ligament damage i £1,500
CT scans i £1,500
MRI scans i £1,500
Prescription diet (treatment of bladder stones only) i £250
Euthanasia cover limit i £10,000
Cremation i £300
Complementary treatment i £1,500
Age when compulsory excess rises i 5 years
Amendment fee i £10

Legal & General

12 months £5,000

3 stars
Vet fees cover limit per condition i £5,000
Dental cover (if due to an accident) i £5,000
If renewed, are existing conditions covered? i
Vet fees cover limit per policy period i Unlimited
Cruciate ligament damage i £1,500
CT scans i £1,500
MRI scans i £1,500
Prescription diet (treatment of bladder stones only) i £150
Euthanasia cover limit i £5,000
Cremation i £250
Complementary treatment i £750
Age when compulsory excess rises i Doesn't change
Amendment fee i £10

Legal & General

Lifetime £2,000

3 stars
Vet fees cover limit per condition i £2,000
Dental cover (if due to an accident) i £2,000
If renewed, are existing conditions covered? i
Vet fees cover limit per policy period i Unlimited
Cruciate ligament damage i £1,250
CT scans i £1,250
MRI scans i £1,250
Prescription diet (treatment of bladder stones only) i £200
Euthanasia cover limit i £2,000
Cremation i £300
Complementary treatment i £1,000
Age when compulsory excess rises i 5 years
Amendment fee i £10

Legal & General

12 months £2,000

2 stars
Vet fees cover limit per condition i £2,000
Dental cover (if due to an accident) i £2,000
If renewed, are existing conditions covered? i
Vet fees cover limit per policy period i Unlimited
Cruciate ligament damage i £1,250
CT scans i £1,250
MRI scans i £1,250
Prescription diet (treatment of bladder stones only) i £100
Euthanasia cover limit i £2,000
Cremation i £250
Complementary treatment i £500
Age when compulsory excess rises i Doesn't change
Amendment fee i £10

Legal & General

Accident Only

1 stars
Vet fees cover limit per condition i £2,500
Dental cover (if due to an accident) i £2,500
If renewed, are existing conditions covered? i
Vet fees cover limit per policy period i Unlimited
Cruciate ligament damage i £1,250
CT scans i £1,000
MRI scans i £1,000
Prescription diet (treatment of bladder stones only) i £0
Euthanasia cover limit i £2,500
Cremation i £150
Complementary treatment i £500
Age when compulsory excess rises i Doesn't change
Amendment fee i £10