Please avoid using L&G for your home insurance. They did not dispute the claim but made the process so difficult I was tempted to give up on the claim. I had a fire, causing some damage to contents and our property. Their appointed loss adjuster from BVS was aggressive on site. He offered a very small sum for the works which without even getting a builder to look at the works I knew wasn't enough. He then offered that L&G could appoint builders to complete the work. After enquiring back to L&G I did have a third option which I wasn't told about - I could get quotes myself. I did this but the loss adjuster phoned to say they were way too high and I should accept the 'fu@£1ng offer' he had put to me and get them to do the works. L&G appointed BVS to organise the works. Yes, L&G appointed the same company as the loss adjuster, who offered an insufficient sum and wouldn't entertain my quotes. I'll let you think if this is a conflict of interest or not. Works were a disaster, items such as insulation was missed (they even initially told me it was fitted until I told them I had photographic proof, at which point they admitted it wasn't fitted), the decorator didn't use dust sheets and splattered paint all through the room and left without tidying up. I was even accused of trying to get betterment when I complained that they did sand down a door before painting it and the underlying paint was all cracked and distorted. I have spent in excess of 30 hours on the phone to L&G through this claim. They are either incompetent or initially trying to deceive customers in order to minimise on legitimate expenditure. Ironically they accidentally sent me their costs from the builders and it has cost them more than the quotes I received!