We use cookies to allow us and selected partners to improve your experience and our advertising. By continuing to browse you consent to our use of cookies. You can understand more and change your cookies preferences here.

Halifax home insurance review

Read Which?'s expert review of Halifax's home insurance policies, find out how we rate Halifax's contents and buildings insurance and how it compares to dozens of other home insurance companies.

In this article
Who is Halifax? What does Halifax home insurance cover? How Which? Rates Halifax's home insurance Halifax's home insurance policy: is it good or bad? How did customers rate Halifax's home insurance?
Does Halifax offer different levels of home insurance cover? How much does Halifax home insurance cost?  What is Halifax's claims number Who underwrites Halifax home insurance? Get top money-saving tips from Which?

Who is Halifax?

Halifax was founded as a building society in 1853 and over the years it's continued to grow and now offers a wide range of financial products such as home insurance, mortgages, loans and credit cards.

In January 2009 Halifax joined the Lloyds Banking Group, which also owns Lloyds Bank, Bank of Scotland and Scottish Widows. 

Lloyds Banking group is a public company, listed on the London Stock Exchange. 

What does Halifax home insurance cover?

The information below gives an at-glance view of the key things that Halifax's home insurance covers as standard.

Elements marked with a are covered as standard and those marked with a are not covered as standard. However, these can be added to a policy as optional extras for an additional cost.

 

 Burst Pipes

 

Covers the cost of repairing burst pipes in your property.

 

 24 hour (emergency) helpline

 

Allows you to call a 24-hour helpline for assistance in the case of a home emergency.

 

 Loss and theft of keys

 

Loss and theft of keys will cover the cost of replacing your keys if they are ever lost or stolen.

 

 Home emergency

 

Home emergency cover provides assistance of central heating, electrical emergencies, plumbing or draining issues.

 

 Accidental damage

 

Accidental damage protects against sudden and unconventional physical damage to the structure of your property as well as your furniture and belongings.

 

 Legal expenses

 

Legal expenses cover the cost of legal expenses should you need to pursue legal action against another party.

 

 Personal possessions

 

Personal possessions cover protects your portable belongings while you’re outside of your property.

 

 Garden cover

 

Garden cover protects against damage to items in your garden including plants and garden furniture.

How Which? Rates Halifax's home insurance

To help you find the best home insurance Which? goes the extra mile to sort the best from the worst.

We survey thousands of real home insurance customers to find out how they rate their insurer for customer satisfaction.

We also analyse and rate 60 different elements of contents and buildings insurance to create policy scores, helping you judge the quality of your cover - and how an insurer compares to its peers. We combine this into an overall score to highlight the insurers that offer great cover and service.

Which? members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a one month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

Home And Mobile 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 25% each of Buildings and Contents policy scores.
Which? Customer Score
%
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Buildings policy score
%
Which?'s rating of the quality this company's buildings insurance policy. We analysed 32 features of its cover to calculate the policy score.
Contents policy score
%
Which?'s rating of the quality this company's contents insurance policy. We analysed 46 features of its cover to calculate the policy score.
Members can read full review. Not a member yet?
£1 for first month then £12.75/month unless cancelled.
Become a member to see more scores
  • Unlock more money saving tips.
  • Get access to new money reviews
  • See the best mortgages available to you
£1 for first month then £10.75/month unless cancelled

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

In February 2019, we analysed and rated 60 of the most important elements of standard home insurance policies to come up with the overall policy score.

We assess how important each individual element is when choosing and using a home insurance policy, and weight it accordingly when calculating our total policy score. Each element is given a star rating, out of five.

Overall, 46 out of the 60 elements policy elements we analysed in Halifax's home insurance earned a 3-star rating or higher.

A total of 22 of Halifax's policy elements scored a full 5-star rating and the same number of elements earned a 3-star rating too; which indicates an average level of cover.  

Best parts of Halifax's home insurance policy

We’ve identified three standout features in Halifax’s home insurance policy:

  • Up to £10,000 for student contents cover, which earned a full 5 stars
  • A £15,000 limit for personal possessions left in the car, which we gave 5 stars
  • Up to £5,000 for contents stolen from outbuildings (e.g sheds and garages), which scored 4 stars

Worst parts of Halifax's home insurance policy

We've identified three features in Halifax's home insurance policy which scored poorly:

  • A minimum excess of £100, which only earned 1 star out of 5
  • Up to £1,000,000 for owner's/occupier's liability cover, which scored 2 stars
  • Only £250 cover for loss and theft of keys, which we gave 2 stars

In detail: every part of Halifax's home insurance rated

Which? members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a one month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

Table last updated in February 2019. Next updated in February 2020.

Policy elements Details Rating Area covered
Interest charged on payment by installments (APR) Logged out detail Logged out padlock Buildings and contents
Renewal fee (£) Logged out detail Logged out padlock Buildings and contents
Home emergency cover - standard, optional, not covered? Logged out detail Logged out padlock Buildings and contents
Home emergency cover (£) Logged out detail Logged out padlock Buildings and contents
Owner's / Occupier's liability (£) Logged out detail Logged out padlock Buildings and contents
Accidental damage cover - standard, optional, not covered? Logged out detail Logged out padlock Buildings and contents
Subsidence - standard, optional, not covered? Logged out detail Logged out padlock Buildings only
Alternative accommodation (£) Logged out detail Logged out padlock Buildings only
Burst pipes - standard, optional, not covered? Logged out detail Logged out padlock Buildings only
Blockage of sewer pipe - standard, optional, not covered? Logged out detail Logged out padlock Buildings only
Single item limit for valuables - max limit (£) Logged out detail Logged out padlock Contents only
Contents in the open - within home boundary i.e. garden (£) Logged out detail Logged out padlock Contents only
Contents in outbuildings - including garages (£) Logged out detail Logged out padlock Contents only
Theft from outbuildings (£) Logged out detail Logged out padlock Contents only
Personal Possessions - standard, optional, not covered? Logged out detail Logged out padlock Contents only
Personal Possessions limit within a car (£) Logged out detail Logged out padlock Contents only
Bicycles - standard, optional, not covered? Logged out detail Logged out padlock Contents only
Mobile phones (away from home) - standard, optional, not covered? Logged out detail Logged out padlock Contents only
Does mobile phone cover include calls? Logged out detail Logged out padlock Contents only

To see how Halifax's home insurance compares to other policies check out our guide on the best and worst home insurance.

How did customers rate Halifax's home insurance?

As well as looking at how Halifax's home insurance policy stacks up against others, we've also analysed how customers feel about it too.

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

Overall, Halifax home insurance scored 70% for customer satisfaction, placing it 16th out of the 34 home insurers we looked at.

Customers scored Halifax's 'application process' the highest, giving it four stars out of five. Halifax's 'value for money' was among its lowest-scoring features and only received three stars. 

The table below shows how Halifax home insurance scored for eight elements of customer satisfaction.

Customer satisfaction element Which? Customer rating
Application process Logged out padlock
Clarity of policy Logged out padlock
Dealing with queries Logged out padlock
Ease of managing your policy online Logged out padlock
Transparency of charges/penalties Logged out padlock
Dealing with complaints Logged out padlock
Experience of making a claim Logged out padlock
Value for money Logged out padlock

Does Halifax offer different levels of home insurance cover?

The scores shown in this review relate to Halifax's standard home insurance policy. If you would like to take out home insurance with the Halifax but need more cover, you could opt for the Halifax Home Insurance Ultimate policy.

This policy offers:

  • Unlimited cover for theft and loss of keys
  • Accidental damage included as standard
  • Garden cover included as standard

How much does Halifax home insurance cost? 

Your contents insurance and buildings insurance will be priced based on your own personal circumstances where you live and the type of property and contents you own. 

Halifax allows you to gather quotes on its own website halifax.co.uk/insurance/home-insurance/.

But you can also compare Halifax's home insurance on the following price comparison sites:

  • Comparethemarket.com
  • Confused.com
  • Gocompare.com
  • Moneysupermarket.com

Check out our guide for more information on how add-ons, fees, and charges affect the price of your home insurance.

What is Halifax's claims number

If you need to make a claim with Halifax home insurance call 0345 600 6001.

Halifax will ask for your policy details, so be sure to have them with you when you call to make a claim. Your claims manager will ask you details about what happened including dates, times and anyone else involved in your claim. 

If your claim is complex, Halifax can arrange for you to have a face to face appointment with a personal claims consultant to help make your claim process as smooth as possible. 

The acid test of any home insurance provider is how it handles your claim. In January 2019, Which? surveyed 1,456 members of the general public about their experiences using a major home insurance provider.

Halifax scored 76%, placing it 6th out of 21 home insurers. It scored four stars for its 'speed of dealing with a claim', and three stars for how it 'communicated about the progress of claims'.

Find out how it compared to other insurers on or guide making a home insurance claim.

Who underwrites Halifax home insurance?

Halifax's home insurance is underwritten by Lloyds Bank General Insurance Ltd.

Its legal expenses cover is underwritten but DAS Legal Expenses Insurance Company Limited and the home emergency cover is underwritten by Royal & Sun Alliance.

Get top money-saving tips from Which?

Sign up to the Which? Money Weekly newsletter to get our latest news, tips, and deals straight to your inbox. 

 

×