Legal and General Car Insurance

Legal and General is one of the UK’s leading financial services companies, which was established in 1936. They provide a large number of financial products and services, including car insurance.

They offer three levels of car insurance cover, comprehensive, third party fire and theft and third party only, so you can choose the Legal and General car insurance policy that suits your best.
If you prefer to deal with things online, Legal and General have a self-service centre, which means you can view and download your policy documents, make payments or add changes to your personal information.

Their comprehensive cover offers a 24-hour emergency claims line, which is open 7 days a week, 24 hours of the day. You can call them on 0344 412 2199.

Terms and conditions will apply to the benefits you’re offered, so it’s important to check your policy wording before you purchase.

Legal and General car insurance

Comprehensive policy

These are just some of the benefits you can have with Legal and General car insurance under a comprehensive policy:

  • New car replacement – if your car is stolen or written-off and it’s less than 12 months old and registered in your name, you’ll be covered for a new one of the same make, model and specification’
  • 3 year guarantee on repairs carried out at approved repairers.
  • Windscreen cover including sunroofs.
  • Courtesy car – whilst your car is being repaired you’ll get an alternative vehicle, subject to availability.
  • Navigation and audio equipment.
  • Personal belongings.
  • Medical cover – in case you need to pay for emergency treatment after an accident
  • Child car seat.
  • Personal accident - a one-off payment to compensate you, or your partner, if you pass away or are badly injured, losing an eye or a limb in a car accident’ European travel – up to 60 days’ EU travel in any period of insurance with the same cover as you have in the UK.

Widen your cover

The following options are also available to add to your policy, if you want to widen your cover:

  • No Claims Discount Protection – if you need to make a claim on your insurance, you won’t lose your no claims discount.
  • Motor Legal Protection – this cover will help you claim your uninsured losses after an accident that’s not your fault. Uninsured losses are claims for personal injury, loss of earnings, car hire charges, reimbursement of your policy excess and out of pocket expenses.
  • Excess Protection – Means you don’t need to pay the excess on your policy if your car is stolen, damaged in an accident or by fire.
  • Guaranteed Replacement Car – A courtesy car will cover you only if your car is being repaired. This cover makes sure you get an alternative vehicle even if your car is stolen or written-off.
  • Keycare – Cover for keys that are lost or stolen, including replacement locks and car immobilisers.

Car Insurance with Legal and General also offer RAC breakdown cover as an option. There are five levels of cover to choose from, including European breakdown. The RAC offer the following services, check to see what you are covered for under your policy as it may differ:

Roadside Rescue

As long as you’re over a quarter of a mile away from your home, the RAC will attend to your vehicle at the roadside. If the mechanic can’t repair it, your car will be towed to the nearest garage or somewhere of your choosing within 10 miles of the breakdown.


You can choose where you, your car and up to 8 passengers go in the UK, which normally means you can carry on to your destination or go home

At Home

If your car won’t start whilst it’s parked at home or within a quarter of a mile of where you live, the RAC will try and get your car started or tow you to the nearest garage

Onward Travel

Cover if you and up to 8 passengers need onward travel or hotel accommodation

European Cover

Roadside assistance and recovery with alternative accommodation for you and your passengers

Legal and General aim to give you competitively priced car insurance with the cover you need. They can also cater for your other insurance needs offering home and travel insurance.

Get a Legal and General car insurance quote today and see how much money you could save on your insurance.

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