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.

Car insurance

Ranked 51^st 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 37^th 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 12^th of 22 providers reviewed.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Car insurance

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