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Help & info

Just type in your query, or have a look at the list of popular questions below.

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  • Do Legal & General cover wear and tear?

    No, Legal & General do not cover wear and tear.
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  • Are my car keys covered by my Home Insurance policy?

    No, car keys are not covered.
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  • Are my children’s contents covered whilst studying away from home?

    If you choose the Home Cover Extra policy, Legal & General will cover your child’s contents whilst away from home at University up to £5,000, provided the intention is to return the items to the family home.
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  • What does Family Legal Protection cover?

    For an additional premium you can add Family Legal Protection cover to your policy, where you’ll be covered for the costs of pursuing certain legal proceedings.
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  • How do I insure my personal possessions away from the home?

    Items that you normally wear or carry with you can be covered by adding Cover Away from the Home to your policy.
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  • Can I take out a policy in joint names?

    Yes you can apply for a policy in joint names during the online application.
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  • Do you cover bicycles?

    The Home Cover Extra policy covers Bicycles as part of the Contents within the home, garage and domestic outbuildings. Everyday Home Cover policy does not offer cover for bicycles but can insure this as an additional cover option. (Cover restrictions apply.)
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  • Are my golf clubs covered?

    Golf clubs can be covered under the contents section of your policy.
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  • What does Legal & General’s Home Insurance cover?

    Home Insurance is designed to cover certain unforeseen events, such as loss or damage that arises as a result of incidents such as storm, fire or theft. But it doesn't cover everything.
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  • Do you cover Business use in the home?

    No. Unless it's purely paperwork, computer work or telephone calls, Legal & General don't cover Business use in the home.
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  • What is covered under contents Insurance?

    Contents insurance covers the contents of your property and your personal belongings against theft or damage while in the home.
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  • What’s a High Risk item?

    Legal & General consider High Risk items to be articles of Jewellery, pearls, gemstones etc.
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  • What is covered under buildings insurance?

    Buildings insurance covers loss or damage to the structure of your home and domestic outbuildings (such as sheds, garages and greenhouses).
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  • Is my mobile phone covered?

    Your mobile phone may be covered under the contents section of the policy if you choose to take out Cover Away From The Home.
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  • What is Flood Re?

    Legal & General are working with the Government and participate in the not-for-profit flood reinsurance scheme, known as Flood Re.
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  • What’s covered by Home Emergency?

    Home Emergency covers you for up to £1,000 (inc. VAT) against call out charges, labour and materials for immediate repairs to stabilise and remove the emergency.
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  • What is Find and Access?

    Find and Access of water or oil leaks relates to the cover needed for the costs involved in finding the source of an escape of water or leakage of oil.
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  • What’s an excess?

    The excess is the amount you must pay towards each and every claim.
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  • How much cover do I need?

    The Buildings sum insured should be enough to cover the rebuilding cost of your home. The Contents sum insured should be enough to cover the replacement cost as new, of all your contents and personal belongings.
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  • What is accidental damage cover?

    Accidental Damage covers you for those little mishaps like putting your foot through a ceiling (Buildings) or spilling wine or paint on your carpet (Contents).
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