Halifax Home Insurance Review and Quotes

antoine fruchard Antoine Fruchard  updated on July 27, 2020

Would you like to protect your home against any damage or an unfortunate event such as a house fire or theft? 

Are you wondering if Halifax is the best home insurance company to protect your house?

You’ve come to the right place. 

This ultimate and up-to-date review on Halifax home insurance gathers all you need to know: consumers reviews, cover details, prices, claim process, contact numbers and much more. Let’s dive right into it.

Is Halifax the best insurance company for you?

Getting the best home insurance deal is not just about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good pay-out if your home is damaged as a result of an unfortunate event such as theft, fire or natural disaster.

At Safe, we’ve studied in detail Halifax’s home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.

3,9 Safe overall rating for Halifax

Safe ratingOur opinion
Customer service & satisfaction
and claims

Standard home insurance rated 3 stars by Defaqto
Ultimate home insurance rated 5 stars by Defaqto
Well documented websites
Different helplines available

Cover provided for your home

2 levels of cover: standard and ultimate
Limit amounts below average in overall for standard cover
Excess from £100 to £1000

Value for money

Interest rates on monthly installments reasonable
Discounts available for combined building and contents insurance

Financial strength

High, underwritten by Lloyds Bank General Insurance Limited

Technology

Quote, cancel and claim process online
Well documented website
Customer portal only available for online banking

Safe rating for Halifax home insurance

Expert and customer satisfaction reviews for Halifax home insurance

Review organisationHalifax home insurance reviews

Defaqto expert

Standard: 3 stars
Ultimate: 5 stars

Overall Which? Score

62% for standard home insurance
69% for Ultimate home insurance

Consumer satisfaction rates on reviews for Halifax home insurance

Our general opinion on Halifax home insurance

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. The home policy is therefore underwritten by Lloyds Bank General Insurance Limited.
The 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 accommodation, 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.

What does Halifax home insurance cover?

What is more important than protecting your home – the roof under which you sleep with your loved ones? 

Applying for home insurance at Halifax will allow you to protect the structure of your home (buildings insurance), what is inside (contents insurance) or both (combined buildings and contents insurance). 

Without home insurance, your home is exposed to any kind of risk, from a minor water leak to a fire, and you are liable for any repairs – whatever the cost this represents. 

Home insurance at Halifax covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.

Halifax buildings and contents insurance

Halifax provides three main types of household insurance: 

  • Buildings insurance
  • Contents and personal possessions insurance
  • Combined policy

Buildings insurance covers the structural aspects of your home. It will cover any damage made to your walls, floors, ceiling, windows, outbuildings, garages, etc. You can also extend your buildings insurance to permanent fixtures such as bathrooms, etc. Buildings insurance is for homeowners.

If you buy your property and get a mortgage for this, you will be asked to provide valid buildings insurance. Buildings insurance is not mandatory, though. However, you must know that an average claim for repairing a burst pipe for example is £25 000.

Contents insurance will cover any damage made to your belongings inside your home or in your garden (TV and other appliances, furniture, etc). In other words, it will cover anything which is not structural.

House contents insurance is highly recommended (especially in case you get burgled or if you are renting a furnished flat) but is not mandatory.

In the event of a fire, for instance, buildings insurance will give you compensation for your home structure, your walls, roofing or other structural elements damaged during the fire, and contents insurance will cover any damage made to your household appliances, furniture, jewellery and so on.

You will find below policy details for building and contents insurance:

Halifax building insuranceLimits
Maximum sum insured

£1 000 000

Owner liability

£1 000 000

Alternative emergency accomodation

£30 000

Period of home’s unoccupancy cover

60 days

Repairs guarantee period

1 year

Trace and access

£5 000

Burst pipe

As standard

Blockage of sewer pipe

As standard

Gradual build-up of groundwater

Not covered

Subsidence

As standard

Underground services

As standard

Keys cover

£250

Flood and storm damage (except for fences)

As standard (optional extras for outbuildings)

Halifax building insurance

Limits mentioned above are part of the total sum you insured with your insurer when applying for home insurance (and not in addition to).

Let’s have a look now at Esure contents insurance limits:

Contents insuranceLimits
Maximum sum insured

£100 000

Owner liability

£1 000 000

Alternative emergency accomodation

£20 000

Period of home’s unoccupancy cover

60 days

Damage made by pets

Not covered

Contents kept in garden

£1 000

Contents kept in outbuildings (garage included)

£5 000

Thefts from outbuildings

£5 000

Single item limit for valuables

£3 000

Items temporarily removed from home

£20 000

Money in and outside the homeInside:

£500


Outside:

500 (under personal possessions cover – optional extra)

Credit cards in and outside the homeInside:

£500


Outside:

500 (under personal possessions cover – optional extra)

Business equipment kept at home

£5 000

Student equipment

£10 000 (optional extra)

Keys cover

£250

Halifax contents insurance

Halifax home insurance additional cover

On top of your Halifax buildings and contents insurance, you can find additional cover such as:

Home insurance additional cover
Accidental damage cover
  • Optional extra
  • or included as standard in the Ultimate level of protection
Home emergency
  • Optional extra
  • Up to £1000 per call out
  • Up to £250 for emergency accommodation
Boiler cover
  • Part of the home emergency optional extra
  • Up to £1000 for boiler repair
  • Up to £500 for boiler replacement
Legal protection
  • Optional extra
  • Up to £50 000 for expert lawyers fees for you and your family
Personal possessions
  • Optional extra
  • Up to £15 000 for personal possessions cover at home, £20 000 away from home
  • Up to £15000 limit for personal possessions kept in a car
Mobile cover
  • Part of the personal possessions cover
  • Up to £3000 limit
Bicycle cover
  • Optional extra
  • £5000 limit

Halifax home insurance excess

The deductible you’ll have to pay in case of claims are as described below:

For both building and contents insurance
Excess for standard claims£100 – £1000
Excess for escape water claims£500
Excess for subsidence claims£1 000
Excess for personal possessions£100 – £1000
Excess for keys£25
Halifax home insurance main excess

Halifax home insurance fees and NCD

To manage your policy, renew, cancel or modify it, Halifax fees are as follows:

Fees applied to manage your Halifaxhouse policy
Interests on payment installments22,90%
To renew my policy£0
To adjust my policy£0,0
To duplicate documents£0
To cancel my policy during cooling-off period£0
To cancel my policy outside cooling-off period£35
For payment default£0
To switch from one insurer to HalifaxNot covered
Home insurance fees at Halifax

How much does Halifax home insurance cost?

You will below indicative quotes for building and contents insurance at Halifax:

Building insuranceContents insurance
Excess£100 – £1000£100 – £1000
Home coverBuilding: £250 000
Contents: £20 000
Personal items: £4 000
Building: £500 000
Contents: £50 000
Personal items: £8 000
Premium£162,41£318,67
Home insurance quotes at Halifax

It is very difficult to give a precise range of how much exactly will your home insurance cost at Halifax as it will mainly depend on:

  • The insurance you apply for (building, contents, combined insurance, extras)
  • Your address
  • Your claim record
  • The insured value of your home and of your personal belongings, etc.

Halifax will establish a risk rate, taking into account all these elements, and offer you a price based on it. 

The average cost of combined buildings and contents insurance in 2018 was £163, with contents insurance usually counting for a third of the premium (around £60) and building insurance for the rest (around £110). However, premium will be higher if you buy stand-alone building or contents insurance.

Do you want to compare the cheapest home insurance quotes? It couldn’t be easier. Just do a quick home insurance comparison using our comparison tool below. It takes only 15 seconds and is completely neutral and 100% anonymous.

Halifax home insurance discounts available

Discount is given for buying combined policy.

How do I a claim on Halifax home insurance?

Halifax claims are made by placing a phone call to the company after you must have ensured the following:

  • Inform the police if your claim is due to theft, riot and vandalism.
  • Prevent further damage.
  • Get your policy number and check the level of cover.

You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.

How to claim on Halifax home insurance?
Claim online

You can fill in the claim form
Then, wait for a claim manager to call you back.

Claim by phone

Claims (if policy number starts with HAP): 0345 300 5178
Claims (for other policies):0345 600 6001

How to claim on my home insurance at Halifax

If you claim is related to a criminal incident (theft, fire etc), you must call the police upfront.

How can I cancel Halifax house insurance?

To cancel your Halifax house insurance, here is what you need to know: 

Cancelling your home insurance at Halifax
Cancellation notice if Halifax cancel your policy14 days
Cancellation feesFees during cooling-off period: £0
Fees outside cooling-off period: £35
Cancel by email

[email protected]

Cancel online

You can cancel your home policy online at Halifax.

Cancel by phone

03453005178
Mon-Fri: 8am-6pm.
Sat: 9am-1pm.

How to cancel my Halifax home insurance

How to contact Halifax home insurance?

ServicesPhone numbersOpening hours
Claims, renewal and general enquiries

If your policy starts with HAP – 0345 300 5178
All other policies – 0345 600 6001

Mon – Fri: 8am – 6pm
Sat: 9am – 1pm

Emergency Homeline

If your policy starts with HAP/HDA/HIA: 0345 601 2651
All other policies – 0345 602 7307

24/7

Legal Helpline

If your policy starts with HDA: 0345 601 2651
All other policies: 0345 603 2254

24/7

New customers

0800 500 3973

Mon – Fri: 8am – 6pm
Sat: 9am – 1pm

How to contact Halifax home insurance

Halifax home insurance contact details

Halifax contact details
Halifax address

Halifax, PO Box 548, Leeds, LS1 1WU

Customer service email

[email protected]

Chatbot available

Not available

Halifax contact details

How do I log in to Halifax customer portal?

Customer portal at Halifax is only available for Online Banking.

How do I get Halifax home insurance quotes? 

To get a quote online at Halifax, it couldn’t be simpler. 

You can go on our home insurance comparison tool here and compare the main home insurance deals on the market. If Halifax is the company that best suits your needs, then you just click on the ‘Get quote’ button and follow the whole process explained online.

To get Halifax home insurance quotes, you will need to provide:

  • Your personal information: ID, age, phone number and job
  • Your address and postcode
  • Your homeowner record (claims included)
  • Your home description (type of property, the date it was built, how many square metres inside and outside)
  • Your property related status: do you own it, rent it, have a mortgage on it, etc.
  • Extras you’d like to get on your home insurance, contents sum insured and the excess you’d like to pay.

The types of questions you will be asked are typically:

  • Are you a first-time buyer?
  • Has the property ever suffered from subsidence, cracking, subsidence or undergone any underpinning (or showed any signs)?
  • Has the property ever been damaged by flood?
  • Has anyone living permanently at the property made any home claim(s) for loss or damage in the past X years (usually 3) or had any claim(s) made against them? etc.

5 tips to reduce your Halifax house insurance quote

  • Always shop around on home insurance comparison sites. If you do not auto renew and instead apply for new home insurance, you will easily be able to lower your house insurance cost and benefit from new customer discounts.
  • Increase the excess amount you are willing to pay in case you make a claim.
  • Choose the level of cover that is right for you. Insure with the right sum for both your buildings and contents insurance. If you do not have high value items, consider an ‘indemnity’ contents insurance rather than a ‘new for old’ one.
  • Opt for a policy offering No Claim Bonus to lower your premium if you’ve gone for a few years without making any claim.
  • Consider index-linked cover for building insurance to follow prices of building materials.