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.

Legal & General

Car insurance

Ranked 51st of 52 providers reviewed.

Customer happiness 42%
Customer trust 27%
Complaints performance 73%
Transparency rating 38%
Fairer Finance score
Reviewed Spring 2018
45%

Home insurance

Ranked 37th of 47 providers reviewed.

Customer happiness 50%
Customer trust 41%
Complaints performance 64%
Transparency rating 51%
Fairer Finance score
Reviewed Spring 2018
52%

Life insurance

Ranked 12th of 22 providers reviewed.

Claims score 98.27%
Complaints performance 91%
Transparency rating 54%
Fairer Finance score
Reviewed Spring 2018
76%

Car insurance

Legal & General

Car Insurance

3 stars
Courtesy car for duration of repair i
Cover for keys/locks if lost i £0
Uninsured driver promise i
24hr helpline available i
Cover for keys/locks if stolen i £500
Cover for replacing original audio/visual equipment i Unlimited
Repairs guarantee (years) i 3
Windscreen repair excess i £0
Windscreen replacement excess i £75

Home insurance

Legal & General

Extra (Comparison site)

4 stars
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

Legal & General

Home Insurance Gold

4 stars
Escape of water excess i £200
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

Legal & General

Essentials (Comparison site)

3 stars
Escape of water excess i £250
Matching sets i
Theft from outbuildings i £1,000
24hr helpline i
Alternative accommodation i £25,000
Cover for keys/locks if lost i £500
Money in the home i £100
New for old i

Legal & General

Home Insurance Silver

2 stars
Escape of water excess i £200
Matching sets i
Theft from outbuildings i £1,000
24hr helpline i
Alternative accommodation i £25,000
Cover for keys/locks if lost i £500
Money in the home i £100
New for old i

Buildings insurance

Legal & General

Extra (Comparison site)

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

Legal & General

Home Insurance Gold

3 stars
Cover for keys/locks if lost i £750
Matching sets i
Trace & access i £5,000
24hr helpline i
Alternative accommodation cover limit i £50,000
Compulsory excess i £150
Cover for keys/locks if stolen i £750
Escape of water excess i £200
Property owner liability i £2,000,000

Legal & General

Essentials (Comparison site)

3 stars
Cover for keys/locks if lost i £500
Matching sets i
Trace & access i £0
24hr helpline i
Alternative accommodation cover limit i £25,000
Compulsory excess i £100
Cover for keys/locks if stolen i £500
Escape of water excess i £250
Property owner liability i £2,000,000

Legal & General

Home Insurance Silver

2 stars
Cover for keys/locks if lost i £500
Matching sets i
Trace & access i £0
24hr helpline i
Alternative accommodation cover limit i £25,000
Compulsory excess i £150
Cover for keys/locks if stolen i £500
Escape of water excess i £200
Property owner liability i £2,000,000

Contents insurance

Legal & General

Extra (Comparison site)

4 stars
Cover for keys/locks if lost i £750
Matching sets i
Theft from outbuildings i £3,000
24hr helpline i
Alternative accomodation i 25% of sum insured
Cover for keys/locks if stolen i £750
Cycles included whilst in the home i Part of sum insured
Money in the home i £500
New for old i

Legal & General

Home Insurance Gold

3 stars
Cover for keys/locks if lost i £750
Matching sets i
Theft from outbuildings i £3,000
24hr helpline i
Alternative accomodation i £15,000
Cover for keys/locks if stolen i £750
Cycles included whilst in the home i Part of sum insured
Money in the home i £500
New for old i

Legal & General

Essentials (Comparison site)

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

Legal & General

Home Insurance Silver

2 stars
Cover for keys/locks if lost i £500
Matching sets i
Theft from outbuildings i £1,000
24hr helpline i
Alternative accomodation i £10,000
Cover for keys/locks if stolen i £500
Cycles included whilst in the home i £0
Money in the home i £100
New for old i

Life insurance

Over 50s life insurance

Legal & General

Over 50s Life Insurance Fixed Plan

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

Legal & General

Over 50s Life Insurance Increasing Plan

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

Pet insurance

Cat insurance

Legal & General

12 months £2,000

3 stars
Dental cover (if due to an accident) i £2,000
If renewed, are existing conditions covered? i
Vet fees (per condition) i £2,000
Age compulsory excess changes i Doesn't change
Amendment fee i £10
CT scans i £1,250
Cancellation fee i £30
Complementary treatment i £500
Cremation i £250
Cruciate ligament damage i £1,250
Euthanasia i £2,000
Loss of pet total i
MRI scans i £1,250
Prescription diet (treatment of bladder stones only) i £100

Legal & General

12 months £5,000

3 stars
Dental cover (if due to an accident) i £5,000
If renewed, are existing conditions covered? i
Vet fees (per condition) i £5,000
Age compulsory excess changes i Doesn't change
Amendment fee i £10
CT scans i £1,500
Cancellation fee i £30
Complementary treatment i £750
Cremation i £250
Cruciate ligament damage i £1,500
Euthanasia i £5,000
Loss of pet total i
MRI scans i £1,500
Prescription diet (treatment of bladder stones only) i £150

Legal & General

Lifetime £2,000

3 stars
Dental cover (if due to an accident) i £2,000
If renewed, are existing conditions covered? i
Vet fees (per condition) i £2,000
Age compulsory excess changes i 5
Amendment fee i £10
CT scans i £1,250
Cancellation fee i £30
Complementary treatment i £1,000
Cremation i £300
Cruciate ligament damage i £1,250
Euthanasia i £2,000
Loss of pet total i
MRI scans i £1,250
Prescription diet (treatment of bladder stones only) i £200

Legal & General

Lifetime £4,000

3 stars
Dental cover (if due to an accident) i £4,000
If renewed, are existing conditions covered? i
Vet fees (per condition) i £4,000
Age compulsory excess changes i 5
Amendment fee i £10
CT scans i £1,500
Cancellation fee i £30
Complementary treatment i £1,500
Cremation i £300
Cruciate ligament damage i £1,500
Euthanasia i £4,000
Loss of pet total i
MRI scans i £1,500
Prescription diet (treatment of bladder stones only) i £250

Legal & General

Lifetime £10,000

3 stars
Dental cover (if due to an accident) i £10,000
If renewed, are existing conditions covered? i
Vet fees (per condition) i £10,000
Age compulsory excess changes i 5
Amendment fee i £10
CT scans i £1,500
Cancellation fee i £30
Complementary treatment i £1,500
Cremation i £300
Cruciate ligament damage i £1,500
Euthanasia i £10,000
Loss of pet total i
MRI scans i £1,500
Prescription diet (treatment of bladder stones only) i £250

Legal & General

Accident Only

1 stars
Dental cover (if due to an accident) i £2,500
If renewed, are existing conditions covered? i
Vet fees (per condition) i £2,500
Age compulsory excess changes i Doesn't change
Amendment fee i £10
CT scans i £1,000
Cancellation fee i £30
Complementary treatment i £500
Cremation i £150
Cruciate ligament damage i £1,250
Euthanasia i £2,500
Loss of pet total i
MRI scans i £1,000
Prescription diet (treatment of bladder stones only) i £0

Dog insurance

Legal & General

12 months £2,000

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

Legal & General

12 months £5,000

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

Legal & General

Lifetime £2,000

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

Legal & General

Lifetime £4,000

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

Legal & General

Lifetime £10,000

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

Legal & General

Accident Only

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

Travel insurance

Annual multi-trip insurance

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

Legal & General

Classic (Comparison Site)

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

Legal & General

Prestige (Comparison Site)

4 stars
Cancelling before travel i £5,000
Medical excess i £70
Personal possessions & baggage - damaged, lost or stolen i £2,000
Abandoning your trip i £5,000
Combined passport & travel i £300
Cutting trip short/curtailment i £5,000
Emergency medical cover and repatriation i £15,000,000
Lost or stolen cash i £400
Max trip duration i 45 days
4 stars
Cancelling before travel i £5,000
Medical excess i £75
Personal possessions & baggage - damaged, lost or stolen i £2,000
Abandoning your trip i £3,000
Combined passport & travel i £200
Cutting trip short/curtailment i £5,000
Emergency medical cover and repatriation i £12,500,000
Lost or stolen cash i £250
Max trip duration i 45 days

Legal & General

Premier (Money Supermarket)

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

Legal & General

Standard (Money Supermarket)

4 stars
Cancelling before travel i £3,000
Medical excess i £95
Personal possessions & baggage - damaged, lost or stolen i £1,500
Abandoning your trip i £3,000
Combined passport & travel i £300
Cutting trip short/curtailment i £3,000
Emergency medical cover and repatriation i £12,500,000
Lost or stolen cash i £300
Max trip duration i 31 days
3 stars
Cancelling before travel i £1,500
Medical excess i £100
Personal possessions & baggage - damaged, lost or stolen i £1,000
Abandoning your trip i £1,500
Combined passport & travel i £100
Cutting trip short/curtailment i £1,500
Emergency medical cover and repatriation i £10,000,000
Lost or stolen cash i £150
Max trip duration i 31 days

Legal & General

Basic (Comparison Site)

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

Legal & General

Economy (Money Supermarket)

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

Single trip insurance

5 stars
Cancelling before travel i £7,500
Medical excess i £50
Personal possessions and baggage - damaged, lost or stolen i £3,000
Abandoning your trip i £7,500
Combined passport & travel i £250
Cutting trip short/curtailment i £7,500
Emergency medical cover and repatriation i £15,000,000
Lost or stolen cash i £500
Missed departure i £750

Legal & General

Standard (Money Supermarket)

4 stars
Cancelling before travel i £3,000
Medical excess i £95
Personal possessions and baggage - damaged, lost or stolen i £1,500
Abandoning your trip i £3,000
Combined passport & travel i £300
Cutting trip short/curtailment i £3,000
Emergency medical cover and repatriation i £12,500,000
Lost or stolen cash i £300
Missed departure i £500

Legal & General

Premier (Money Supermarket)

4 stars
Cancelling before travel i £5,000
Medical excess i £70
Personal possessions and baggage - damaged, lost or stolen i £2,000
Abandoning your trip i £5,000
Combined passport & travel i £300
Cutting trip short/curtailment i £5,000
Emergency medical cover and repatriation i £15,000,000
Lost or stolen cash i £400
Missed departure i £500

Legal & General

Classic (Comparison Site)

4 stars
Cancelling before travel i £3,000
Medical excess i £95
Personal possessions and baggage - damaged, lost or stolen i £1,500
Abandoning your trip i £3,000
Combined passport & travel i £300
Cutting trip short/curtailment i £3,000
Emergency medical cover and repatriation i £12,500,000
Lost or stolen cash i £300
Missed departure i £500

Legal & General

Prestige (Comparison Site)

4 stars
Cancelling before travel i £5,000
Medical excess i £70
Personal possessions and baggage - damaged, lost or stolen i £2,000
Abandoning your trip i £5,000
Combined passport & travel i £300
Cutting trip short/curtailment i £5,000
Emergency medical cover and repatriation i £15,000,000
Lost or stolen cash i £400
Missed departure i £500
4 stars
Cancelling before travel i £5,000
Medical excess i £75
Personal possessions and baggage - damaged, lost or stolen i £2,000
Abandoning your trip i £3,000
Combined passport & travel i £200
Cutting trip short/curtailment i £5,000
Emergency medical cover and repatriation i £12,500,000
Lost or stolen cash i £250
Missed departure i £500
3 stars
Cancelling before travel i £1,500
Medical excess i £100
Personal possessions and baggage - damaged, lost or stolen i £1,000
Abandoning your trip i £1,500
Combined passport & travel i £100
Cutting trip short/curtailment i £1,500
Emergency medical cover and repatriation i £10,000,000
Lost or stolen cash i £150
Missed departure i £300

Legal & General

Basic (Comparison Site)

1 stars
Cancelling before travel i £1,000
Medical excess i £150
Personal possessions and baggage - damaged, lost or stolen i £1,000
Abandoning your trip i £1,000
Combined passport & travel i £100
Cutting trip short/curtailment i £1,000
Emergency medical cover and repatriation i £10,000,000
Lost or stolen cash i £150
Missed departure i £0

Legal & General

Economy (Money Supermarket)

1 stars
Cancelling before travel i £1,000
Medical excess i £150
Personal possessions and baggage - damaged, lost or stolen i £1,000
Abandoning your trip i £1,000
Combined passport & travel i £100
Cutting trip short/curtailment i £1,000
Emergency medical cover and repatriation i £10,000,000
Lost or stolen cash i £150
Missed departure i £0

Travel insurance add-ons

Cruise add-on

1 stars
Cabin confinement i £250
Missed port departure i £0
Re-joining a cruise i £0
Missed port departure excess i £60
Timetable/itinerary change i £500
Unused excursions i £300
1 stars
Cabin confinement i £375
Missed port departure i £0
Re-joining a cruise i £0
Missed port departure excess i £60
Timetable/itinerary change i £750
Unused excursions i £500
1 stars
Cabin confinement i £500
Missed port departure i £0
Re-joining a cruise i £0
Missed port departure excess i £60
Timetable/itinerary change i £1,000
Unused excursions i £750

Legal & General

Basic (Comparison Site)

1 stars
Cabin confinement i £250
Missed port departure i £0
Re-joining a cruise i £0
Missed port departure excess i £60
Timetable/itinerary change i £500
Unused excursions i £300

Legal & General

Classic (Comparison Site)

1 stars
Cabin confinement i £375
Missed port departure i £0
Re-joining a cruise i £0
Missed port departure excess i £60
Timetable/itinerary change i £750
Unused excursions i £500

Legal & General

Prestige (Comparison Site)

1 stars
Cabin confinement i £500
Missed port departure i £0
Re-joining a cruise i £0
Missed port departure excess i £60
Timetable/itinerary change i £1,000
Unused excursions i £750

Legal & General

Economy (Money Supermarket)

1 stars
Cabin confinement i £250
Missed port departure i £0
Re-joining a cruise i £0
Missed port departure excess i £60
Timetable/itinerary change i £500
Unused excursions i £300

Legal & General

Standard (Money Supermarket)

1 stars
Cabin confinement i £375
Missed port departure i £0
Re-joining a cruise i £0
Missed port departure excess i £60
Timetable/itinerary change i £750
Unused excursions i £500

Legal & General

Premier (Money Supermarket)

1 stars
Cabin confinement i £500
Missed port departure i £0
Re-joining a cruise i £0
Missed port departure excess i £60
Timetable/itinerary change i £1,000
Unused excursions i £750

Winter sports add-on

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

Legal & General

Prestige (Comparison Site)

3 stars
Hiring replacement winter sports equipment i £500
Single item limit for owned equipment i £500
Ski equipment owned i £1,000
Avalanche closure i £500
Piste closure i £500
Single item limit for hired equipment i £400
Ski equipment hired i £400
Ski equipment owned excess i £70
Unused ski pass due to illness or injury i £500

Legal & General

Premier (Money Supermarket)

3 stars
Hiring replacement winter sports equipment i £500
Single item limit for owned equipment i £500
Ski equipment owned i £1,000
Avalanche closure i £500
Piste closure i £500
Single item limit for hired equipment i £400
Ski equipment hired i £400
Ski equipment owned excess i £70
Unused ski pass due to illness or injury i £500
2 stars
Hiring replacement winter sports equipment i £400
Single item limit for owned equipment i £375
Ski equipment owned i £750
Avalanche closure i £400
Piste closure i £400
Single item limit for hired equipment i £200
Ski equipment hired i £200
Ski equipment owned excess i £75
Unused ski pass due to illness or injury i £400

Legal & General

Classic (Comparison Site)

2 stars
Hiring replacement winter sports equipment i £400
Single item limit for owned equipment i £375
Ski equipment owned i £750
Avalanche closure i £400
Piste closure i £400
Single item limit for hired equipment i £200
Ski equipment hired i £200
Ski equipment owned excess i £95
Unused ski pass due to illness or injury i £400

Legal & General

Standard (Money Supermarket)

2 stars
Hiring replacement winter sports equipment i £400
Single item limit for owned equipment i £375
Ski equipment owned i £750
Avalanche closure i £400
Piste closure i £400
Single item limit for hired equipment i £200
Ski equipment hired i £200
Ski equipment owned excess i £95
Unused ski pass due to illness or injury i £400
1 stars
Hiring replacement winter sports equipment i £250
Single item limit for owned equipment i £250
Ski equipment owned i £500
Avalanche closure i £250
Piste closure i £250
Single item limit for hired equipment i £150
Ski equipment hired i £150
Ski equipment owned excess i £100
Unused ski pass due to illness or injury i £250

Legal & General

Basic (Comparison Site)

1 stars
Hiring replacement winter sports equipment i £250
Single item limit for owned equipment i £250
Ski equipment owned i £500
Avalanche closure i £250
Piste closure i £250
Single item limit for hired equipment i £150
Ski equipment hired i £150
Ski equipment owned excess i £150
Unused ski pass due to illness or injury i £250

Legal & General

Economy (Money Supermarket)

1 stars
Hiring replacement winter sports equipment i £250
Single item limit for owned equipment i £250
Ski equipment owned i £500
Avalanche closure i £250
Piste closure i £250
Single item limit for hired equipment i £150
Ski equipment hired i £150
Ski equipment owned excess i £150
Unused ski pass due to illness or injury i £250