Is Halifax a Good Insurance Company?
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Discover the methodologyYou are considering buying an insurance policy at Halifax and are wondering if Halifax is the best insurer for you?
You've come to the right place!
In the below guide you’ll find everything you need to know about Halifax: expert and consumers reviews, insurance policies detailed, recommendation, contact and much more.
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Good to know
Safe's mission is to help anyone trying to get the best value for money deal on personal insurance making the right decision. We've analyzed over 1000 insurance companies and contracts. You will find below our independent and neutral rating and evaluation for Halifax.
Who is Halifax?
Halifax was founded in 1853 and now offers a wide range of insurance and financial products. The company joined in 2009 the Lloyds Banking Group.
What are the main insurance policies available at Halifax?
Let's discover below main insurance policies offered by Halifax.
| Safe overall rate | Our reviews | |
|---|---|---|
| Car insurance | Get to know more | |
| Home insurance | Get to know more | |
| Life insurance | Get to know more |
Halifax expert and consumers reviews: Defaqto, TrustPilot
Halifax is regularly audited by Defaqto expert rating. Defaqto ranks each company as well as policies with scores of 1 to 5 stars. Cover details, admin fees, value for money, claim and complaint process and more are analyzed and weighted.
Consumers, on the other hand, can write down their opinions on independent websites such as TrustPilot, Reevoo or Reviews which give great insights on claim process and refund as well as customer service at Halifax.
| Defaqto | |
|---|---|
| Car insurance | 3 |
| Home insurance | Standard: 3 stars |
Is Halifax a good car insurance company?
3 Safe overall rating for Halifax car insurance
At Halifax, the website cannot be easily navigated as it is clustered and contains information of the other services that Halifax offers. There are also many bad reviews on several platforms like TrustPilot and Defaqto especially about the prices of the insurance services offered. Some information were not properly listed out on the website also. However, the insurance company provides car vandalism cover, online self help which helps the customers make changes easily to their insurance policies. Insurance policies can be properly listed out and adapted to help with clarity for the customers and make the services better.
In addition to typical car insurance coverage choices, Halifax offers, among other options:
Breakdown cover
For the sum of £29.99 per year, Breakdown cover is provided for customers. The cover offers the following:
- Roadside assistance in the case of a breakdown
- Provision of an alternative source of transportation for the driver and up to 8 passengers in the case that the car cannot be fixed
- For abroad and onward travel in Europe, there is the option of getting a temporary replacement car. There is also the option of getting hotel accommodation if the car cannot be fixed instantly.
Windscreen cover
- Windscreen claims does not affect the NCB
- The cover option covers the sunroof, side and rear windows
- 24 hours claims helpline
- If the repair is carried out by a repairer provided by Halifax, the cover provided is unlimited. If not, the cover is limited to £150 minus the excess.
Motor legal protection
At a rate of £30.99 per year, motor legal protection is offered by Halifax. It includes:
- A 24/7 helpline
- £100,000 in legal expenses if the fault is not the driver
- Compensation for personal injury and medical expenses in the case of an accident
- Charges for vehicle hire in the case that the car has been written off
- £20,000 for a lawyer to help with your case if there is a high chance of winning.
Personal injury policy
In the case of an accident, the Personal cover policy Halifax offers includes:
- £5,000 in the case of the death of the driver or a passenger as a result of the accident
- £5,000 in the case of a total loss of sight in one or both eyes as a result of the accident
- £5,000 in the case of a permanent loss of limbs.
Besides main car insurance coverage, you can also get extra car insurance options at Halifax. Get to know more, read our complete review on Halifax car insurance.
Is Halifax a good home insurance company?
3,9 Safe overall rating for Halifax home insurance
The Halifax home insurance policy is rated 5 stars by Defaqto.
However the standard level of cover limits are below average when it comes to maximum sum insured, alternative accomodation, owner's liability for both building and contents insurance. The company doesn't provide great cover for outbuilding or thefts in the open for contents insurance as well.
The website is well documented and you can make claim, cancel your policy fully online. However, there is no customer portal for home insurance customers, only for online banking services.
Trustpilot reviews are low which means that the company may not deal with queries and claims compensation promptly.
Halifax building insurance
You will find below building main insurance details for the Standard Home Insurance cover at Halifax:
- Maximum sum insured for your property: £1 000 000
- Owner's liability: £1 000 000
- Alternative emergency accomodation: £30 000
- Period of home's unoccupancy cover: 60 days
- Trace and access: £5 000
- Keys cover: £250
- Subsidence excess: £1 000
Alongside building insurance, you can get additional cover such as:
| Home building insurance extras | |
|---|---|
| Home emergency |
|
| Boiler cover |
|
| Family legal protection |
|
Halifax contents insurance
You will find below contents insurance details for the Standard Home Insurance cover at Halifax:
- Maximum sum insured for your contents: £100 000
- Alternative emergency accomodation: £20 000
- Single item limit: £3 000
- Contents in the open: £1 000
- Contents in outbuildings: £5 000
- Money / credit card kept at home: £500 / £500
- Items temporarily removed from home: £20 000
Alongside contents insurance, you can get additional cover such as:
| Home contents insurance extras | |
|---|---|
| Accidental damage cover |
|
| Personal possessions cover |
|
| Mobile cover |
|
| Bike cover |
|
Standard excess to report a claim at Halifax is £100 - £1000.
You will find exhaustive cover details, administration fees, contacts etc. on Halifax home insurance on our review below.
>> MORE: read our complete review on Halifax home insurance.
Is Halifax a good life insurance company?
2,6 Safe overall rating for Halifax home insurance
Halifax life insurance policies are underwritten by Scottish Widows and it is valid for UK residents age 18 to 64. It provides coverage options like term life insurance (increasing and decreasing) and over 50’s cover (which is also referred to as the whole-of-life cover). Critical illness cover is also provided and it offers cover for 27 major conditions or illnesses, including stroke, heart attack, and certain cancers. The ratings of 2 for Defaqto and 1.6 on TrustPilot are not on the high side. Little or no information is provided on the website, also policy documents are not available and information as regard the services provided are hard to come by. There are other better life insurance services that can be recommended, and adequate research should be made to find one that would suit your needs as a policyholder.
In summary, here are the main features you need to know when taking out life insurance with Halifax.
| Life insurance criteria | |
|---|---|
| Minimum age | 18 years |
| Maximum age | 68 years |
| Pay-out | Up to £5,000,000 |
| Extras | A life insurance calculator is available on the website. |
| Terminal illness | Yes |
You will find everything you need to know on Halifax life insurance in our review.
>> MORE: read our complete review on Halifax life insurance.
Halifax discount codes, promos and vouchers
| Discounts and promo codes available | |
|---|---|
| Car insurance |
|
| Home insurance | Discount is given for buying combined policy. |
| Life insurance | Not stated |
How to contact Halifax?
Find out how to contact and log in to Halifax on our contact page.
