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

Home insurance

Ranked 38th of 48 providers reviewed.

Customer happiness 53%
Customer trust 45%
Complaints performance 64%
Transparency rating 44%
Fairer Finance score
Reviewed Autumn 2018
51%
Gold ribbon: first place

Life insurance

Ranked 10th of 21 providers reviewed.

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

Pet insurance

Ranked 19th of 26 providers reviewed.

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

Car insurance

Legal & General

Car Insurance

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

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 £500
Matching sets i
Theft from outbuildings i £5,000
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 Silver

3 stars
Escape of water excess i £500
Matching sets i
Theft from outbuildings i £2,500
24hr helpline i
Alternative accommodation i £50,000
Cover for keys/locks if lost i £500
Money in the home i £100
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

Buildings insurance

Legal & General

Extra (Comparison site)

4 stars
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

Legal & General

Home Insurance Silver

3 stars
Trace & access i £0
Matching sets i
Cover for keys/locks if lost i £500
Compulsory excess i £100
Escape of water excess i £500
Alternative accommodation cover limit i £50,000
Cover for keys/locks if stolen i £500
Property owner liability i £2,000,000
24hr helpline i

Legal & General

Home Insurance Gold

3 stars
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 £500
Alternative accommodation cover limit i £100,000
Cover for keys/locks if stolen i £750
Property owner liability i £2,000,000
24hr helpline i

Legal & General

Essentials (Comparison site)

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

Contents insurance

Legal & General

Extra (Comparison site)

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

Legal & General

Home Insurance Silver

4 stars
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

Legal & General

Home Insurance Gold

4 stars
Theft from outbuildings i £5,000
Matching sets i
Cover for keys/locks if lost i £750
Cycles included whilst in the home i Part of sum insured
New for old i
Alternative accomodation i £15,000
Money in the home i £500
Cover for keys/locks if stolen i £750
24hr helpline i

Legal & General

Essentials (Comparison site)

3 stars
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

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
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

Legal & General

Over 50s Life Insurance Increasing Plan

4 stars
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

Pet insurance

Cat insurance

Legal & General

12 months £2,000

3 stars
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

Legal & General

12 months £5,000

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

Legal & General

Lifetime £2,000

3 stars
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 £200
Euthanasia i £2,000
Cremation i £300
Complementary treatment i £1,000
Age compulsory excess changes i 5 years
Cancellation fee i £30
Amendment fee i £10
Loss of pet total i

Legal & General

Lifetime £4,000

3 stars
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

Legal & General

Lifetime £10,000

3 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £10,000
Dental cover (if due to an accident) 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 i £10,000
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

Legal & General

Accident Only

1 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £2,500
Dental cover (if due to an accident) i £2,500
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 i £2,500
Cremation i £150
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

Dog insurance

Legal & General

12 months £2,000

3 stars
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
Amendment fee i £10

Legal & General

12 months £5,000

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

Legal & General

Lifetime £2,000

3 stars
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 £200
Euthanasia i £2,000
Cremation i £300
Complementary treatment i £1,000
Age compulsory excess changes i 5 years
Amendment fee i £10

Legal & General

Lifetime £4,000

3 stars
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
Amendment fee i £10

Legal & General

Lifetime £10,000

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

Legal & General

Accident Only

2 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £2,500
Dental cover (if due to an accident) i £2,500
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 i £2,500
Cremation i £150
Complementary treatment i £500
Age compulsory excess changes i Doesn't change
Amendment fee i £10

Travel insurance

Annual multi-trip insurance

5 stars
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

Legal & General

Classic (Comparison Site)

4 stars
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

Legal & General

Prestige (Comparison Site)

4 stars
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
4 stars
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

Legal & General

Premier (Money Supermarket)

4 stars
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

Legal & General

Standard (Money Supermarket)

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

Legal & General

Basic (Comparison Site)

1 stars
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

Legal & General

Economy (Money Supermarket)

1 stars
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

Single trip insurance

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

Legal & General

Standard (Money Supermarket)

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

Legal & General

Premier (Money Supermarket)

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

Legal & General

Classic (Comparison Site)

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

Legal & General

Prestige (Comparison Site)

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

Legal & General

Basic (Comparison Site)

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

Legal & General

Economy (Money Supermarket)

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

Travel insurance add-ons

Cruise add-on

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

Legal & General

Basic (Comparison Site)

1 stars
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

Legal & General

Classic (Comparison Site)

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

Legal & General

Prestige (Comparison Site)

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

Legal & General

Economy (Money Supermarket)

1 stars
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

Legal & General

Standard (Money Supermarket)

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

Legal & General

Premier (Money Supermarket)

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

Winter sports add-on

3 stars
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

Prestige (Comparison Site)

3 stars
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 £70
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

Premier (Money Supermarket)

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

Legal & General

Classic (Comparison Site)

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

Legal & General

Standard (Money Supermarket)

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

Legal & General

Basic (Comparison Site)

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

Legal & General

Economy (Money Supermarket)

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