Legal & General

Legal & General is a multi-national insurance, pensions and investment company. It is listed on the London Stock Exchange, where it is part of the FTSE 100 Index. Its origins date back to the first half of the 19th century.

Legal & General provides a large range of insurance and investment products. It also underwrites policies for a number of providers. So don't be surprised if you come across the name on your policy document even though you didn't buy directly from Legal & General.

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Home insurance

Ranked 38^th of 48 providers reviewed.

Customer happiness	53%
Customer trust	45%
Complaints performance	64%
Transparency rating	44%
Fairer Finance score Reviewed Autumn 2018	51%

Life insurance

Ranked 10^th of 21 providers reviewed.

Claims score	98.27%
Complaints performance	87%
Transparency rating	60%
Fairer Finance score Reviewed Autumn 2018	77%

Pet insurance

Ranked 19^th of 26 providers reviewed.

Customer happiness	49%
Customer trust	38%
Complaints performance	69%
Transparency rating	58%
Fairer Finance score Reviewed Autumn 2018	53%

Escape of water excess i	£250
Matching sets i
Theft from outbuildings i	£3,000
24hr helpline i
Alternative accommodation i	£50,000
Cover for keys/locks if lost i	£750
Money in the home i	£500
New for old i

Trace & access i	£5,000
Matching sets i
Cover for keys/locks if lost i	£750
Compulsory excess i	£100
Escape of water excess i	£250
Alternative accommodation cover limit i	£50,000
Cover for keys/locks if stolen i	£750
Property owner liability i	£2,000,000
24hr helpline i

Theft from outbuildings i	£2,500
Matching sets i
Cover for keys/locks if lost i	£500
Cycles included whilst in the home i	Part of sum insured
New for old i
Alternative accomodation i	£10,000
Money in the home i	£100
Cover for keys/locks if stolen i	£500
24hr helpline i

Theft from outbuildings i	£1,000
Matching sets i
Cover for keys/locks if lost i	£500
Cycles included whilst in the home i	Part of sum insured
New for old i
Alternative accomodation i	15% of sum insured
Money in the home i	£100
Cover for keys/locks if stolen i	£500
24hr helpline i

Cover for accidental death in waiting period i	Full payout
Waiting period (months) i	12
Premium ending age i	90
Can you reduce monthly payments? i	Yes (after one year)
Missed payments allowance (days) i	30 days
Protection for customers past the crossover point (refund) i
Payout for accidental death outside waiting period i	Full payout
Maximum age i	80
Funeral benefit option	£300

If renewed, are existing conditions covered? i
Vet fees (per condition) i	£2,000
Dental cover (if due to an accident) i	£2,000
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 i	£2,000
Cremation i	£250
Complementary treatment i	£500
Age compulsory excess changes i	Doesn't change
Cancellation fee i	£30
Amendment fee i	£10
Loss of pet total i

If renewed, are existing conditions covered? i
Vet fees (per condition) i	£4,000
Dental cover (if due to an accident) i	£4,000
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 i	£4,000
Cremation i	£300
Complementary treatment i	£1,500
Age compulsory excess changes i	5 years
Cancellation fee i	£30
Amendment fee i	£10
Loss of pet total i

Medical excess i	£50
Cancelling before travel i	£7,500
Personal possessions & baggage - damaged, lost or stolen i	£3,000
Max trip duration i	62 days
Emergency medical cover and repatriation i	£15,000,000
Cutting trip short/curtailment i	£7,500
Abandoning your trip i	£7,500
Lost or stolen cash i	£500
Combined passport & travel i	£250
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Medical excess i	£95
Cancelling before travel i	£3,000
Personal possessions & baggage - damaged, lost or stolen i	£1,500
Max trip duration i	32 days
Emergency medical cover and repatriation i	£12,500,000
Cutting trip short/curtailment i	£3,000
Abandoning your trip i	£3,000
Lost or stolen cash i	£300
Combined passport & travel i	£300
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Medical excess i	£70
Cancelling before travel i	£5,000
Personal possessions & baggage - damaged, lost or stolen i	£2,000
Max trip duration i	45 days
Emergency medical cover and repatriation i	£15,000,000
Cutting trip short/curtailment i	£5,000
Abandoning your trip i	£5,000
Lost or stolen cash i	£400
Combined passport & travel i	£300
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Medical excess i	£75
Cancelling before travel i	£5,000
Personal possessions & baggage - damaged, lost or stolen i	£2,000
Max trip duration i	45 days
Emergency medical cover and repatriation i	£12,500,000
Cutting trip short/curtailment i	£5,000
Abandoning your trip i	£3,000
Lost or stolen cash i	£250
Combined passport & travel i	£200
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Medical excess i	£150
Cancelling before travel i	£1,000
Personal possessions & baggage - damaged, lost or stolen i	£1,000
Max trip duration i	22 days
Emergency medical cover and repatriation i	£10,000,000
Cutting trip short/curtailment i	£1,000
Abandoning your trip i	£1,000
Lost or stolen cash i	£150
Combined passport & travel i	£100
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Missed port departure i	£0
Re-joining a cruise i	£0
Cabin confinement i	£250
Missed port departure excess i
Timetable/itinerary change i	£500
Unused excursions i	£300

Ski equipment owned i	£1,000
Single item limit for owned equipment i	£500
Hiring replacement winter sports equipment i	£500
Ski equipment owned excess i	£50
Ski equipment hired i	£400
Single item limit for hired equipment i	£400
Avalanche closure i	£500
Piste closure i	£500
Unused ski pass due to illness or injury i	£500

Legal & General

Home insurance

Buildings insurance

Contents insurance

Life insurance

Over 50s life insurance

Pet insurance

Cat insurance

Dog insurance

Travel insurance

Annual multi-trip insurance

Single trip insurance

Travel insurance add-ons

Cruise add-on

Winter sports add-on