Halifax car insurance review

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Halifax car insurance overview Halifax's car insurance policy: is it good or bad?

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Halifax car insurance overview

Halifax is part of Lloyds Banking Group. Its car insurance is arranged and administered by BISL Limited, and underwritten by a panel of insurers.

What you need to know about Halifax's car insurance:

Unlimited cover for windscreen and window damage
60 days overseas cover as standard
No courtesy car cover for total loss

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Car Insurance

Halifax review

Overall Which? score

Our total score score combines both the Which? Customer Score, ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 50% of the car insurance policy score.

Which? customer score

Which?'s rating for customer satisfaction, based on feedback from real customers who recently made a claim. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.

Policy score

Which?'s rating of the quality of this company's car insurance policy. We analysed 73 features of its cover to calculate the policy score.

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Halifax's car insurance policy: is it good or bad?

We analyse and rate the 58 most important elements of standard car insurance policies to come up with the overall policy score. We assess how important each individual element is to drivers when choosing and using a car insurance policy, and weight it accordingly, when calculating our total policy score.

Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance/reduce their impact in the overall product score.

Halifax did not supply us with up-to-date data on its policy. Therefore, this analysis is based on its policy as of July 2018. We will next update our table in January 2021.

Policy element	Details	Rating
Interest charged on payment by instalments (APR)
No fault no claims discount (NCD) benefit?
Uninsured driver NCD benefit?
Renewal fee
NCD protection claims (number per year)
Theft of keys limit
Fire excess (standard compulsory)
Theft excess (standard compulsory)
Accidental damage excess (standard compulsory)

Policy element	Details	Rating
Personal belongings limit
Medical expenses limit
Legal Expenses - limit
Legal Expenses - Deadline to make a claim
Legal Expenses - Covered if Driver Uninsured?
Keys in car exclusion
Adjustment fee
Duplicate documents fee
Cancellation fee within cooling off period
Cancellation fee after cooling off period
Windscreen limit
Windows limit
Sunroof limit
Loss of keys limit
Liability limit for property damage (including legal expenses)
Uninsured driver excess liability
Courtesy car
Courtesy car - guaranteed availability
Courtesy car limit
Windscreen replacement excess (standard compulsory)
Driver under 21 excess (standard compulsory)
Driver 21-24 excess (standard compulsory)
Repairs guarantee period
Vandalism promise

Policy element	Details	Rating	Area covered
Payment Default fee (£)			Buildings and contents
Unoccupancy period			Buildings and contents
Legal expenses - standard, optional, not covered?			Buildings and contents
Legal expenses cover (£)			Buildings and contents
Garden contents cover (£)			Contents only
No claims discount (NCD) protection?			Buildings and contents
Students cover limit (£)			Contents only
Minimum level of excess (£)			Buildings and contents
Discount for buying buildings and contents insurance?			Buildings and contents
Business / Office equipment covered - standard, optional, not covered?			Contents only
Loss of keys - standard, optional, not covered?			Buildings only
Loss of keys - standard, optional, not covered?			Contents only
Theft of keys - standard, optional, not covered?			Buildings only
Theft of keys - standard, optional, not covered?			Contents only