Who is Halifax?
Founded in 1852, Halifax was initially a building society - by 1913 it was the biggest in the UK. Today it offers financial services such as mortgages, but also car, life and home insurance. It can also provide support if you're looking to buy a new or used car.
Halifax offers third-party only, third-party, fire and theft, and comprehensive car insurance.
You'll also have a number of benefits included as standard with your policy including a 3 year guarantee on approved claims repairs and European breakdown cover. Some benefits depend on the level of cover you opt for.
Halifax's overall car insurance offering is rated 3 stars by Defaqto. But it's motor legal protection cover is rated five stars.
A survey of over 2,700 new Halifax car insurance customers between March and August 2024 scored their service 7 out of 10.
Halifax car insurance is underwritten by a panel of insurers and arranged and administered by BISL Limited.
Halifax car insurance policy details
Third party only is the legal minimum level of car insurance required to drive on UK roads. It'll cover you if an accident results in injury or damage to a third party.
If you buy a third party only policy with Halifax, you'll be able to enjoy the same level of cover if you drive in the European Union.
A third party, fire and theft policy is what it says on the tin. You get the same benefits as a third party only policy, but you're covered if your car is damaged by fire damage or stolen. You're also covered to drive in the European Union for 60 days.
Halifax offer some features across all of their policies regardless of the level of cover you opt for, this includes a 24/7 emergency claims helpline.
As the highest level of cover on the market, fully comprehensive car insurance includes all the benefits of third party, fire and theft. You'll also be covered if you're injured in an accident or if your car gets damaged.
If you buy a comprehensive policy with Halifax, you'll receive additional features, such as:
- Personal belongings cover
- Personal accident cover
- Replacement locks if your keys are stolen
- Battery cover for electric cars
- 3 year guarantee on approved claims repairs
- Courtesy car cover
- New car replacement
- Vandalism cover
While giving you the broadest level of cover, comprehensive policies also tend to be the cheapest you can buy.
Halifax optional extras
You might find that buying a car insurance policy with Halifax grants you certain features as standard that typically come at an additional cost with other insurers.
Despite that, there are a range of car insurance optional extras that Halifax offer to enhance your policy, including:
RAC breakdown cover: Offers you a wide range of breakdown assistance from the RAC. As one of the most trusted breakdown cover providers in the UK, you'll have access to a number of services, including roadside assistance.
Guaranteed replacement car: This feature is different to a courtesy car because it replaces your car if it's stolen, written off or isn't drivable. So you can rely on a quickly supplied replacement car if your car needs repairs following a claim.Motor legal protection: You'll have access to a 24/7 legal helpline to offer assistance. In addition, you'll have financial protection if you need to go to court to recover costs. This could help with obtaining compensation for personal injury and medical expenses, recovering losses, repair costs and vehicle hire charges.
Keycare cover: Can protect your keys are lost, stolen or misplaced. This includes the cost of having locks replaced if you need it. You'll have cover anywhere in the EU up to £1000 and have access to a 24/7 helpline. It'll also provide cover for any immediate family members who live at your address.
No-claims discount protection (NCD): No-claims bonus is a sort of discount you get for not claiming on your car insurance. The more years you go without claiming, the more discount you earn. If you have four or more years NCD you may be able to protect the number of years discount you have accumulated for an additional cost. Halifax allows you to make two fault claims within a three year period without it reducing the NCD applied to your policy premium.
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