Cheap Home Insurance in Your Area
Quickly compare over 3 dozen UK insurance providers. Powered by QuoteZone.
In This Review
- Overall Halifax Home Insurance Review
- Halifax Home Policy and Coverage Options
Halifax Home Insurance Review: What You Need to Know
Is Halifax home insurance any good? Halifax home insurance customer ratings are not very good, but their quotes are relatively competitive and their "Ultimate" product has earned 5 star Defaqto ratings for both buildings and contents—but are they right for you? Here's what you should know before you buy a Halifax home insurance policy.
Halifax home insurance offers solid cover for your buildings and contents, with the option to add extras like Home Emergency, Legal Expenses, Pedal Cycle, Student and Accidental Damage. Their top-tier Ultimate plan include Accidental Damage and Outbuildings, plus compared to the basic Home Insurance plan.
Halifax sells two tiers of home insurance: "Home Insurance" is their basic plan and "Home Insurance Ultimate" includes higher cover limits plus a number of extras like Outbuildings Cover, Buildings Accidental Damage Cover and Contents Accidental Damage Cover. These extras can be added to their basic plan for an added cost, as well. In addition, both plans can be further enhanced by adding features like Personal Belongings Away From The Home, Students' Contents Away From Home, Pedal Cycle, Home Emergency and Legal Expense cover.
Halifax Home Insurance Key Facts
- Two home insurance options: "Home Insurance" and "Home Insurance Ultimate"
- Home Insurance Plans: Up to £500,000 buildings cover and £75,000 contents cover (can increase to £1,000,000 buildings and £100,000 contents for an extra premium)
- Home Insurance Ultimate Plans: Unlimited buildings and contents cover; includes Accidental Damage and Outbuildings (for both buildings and contents)
- Optional Extras include: Accidental Damage (optional for basic plan as already included in Ultimate), Legal Expenses, Pedal Cycle, Personal Belongings outside of the home, Student cover and Home Emergency Cover
Halifax Home Insurance Customer Complaints, Reviews and Ratings
According to Reviews.io, Halifax is rated 3.12 stars out of 5 by 300+ customers, with just 55% of respondents recommending Halifax Insurance. This rating reflects all Halifax Insurance products, so we've scoured through the reviews to learn about common complaints for their home insurance specifically. Here are some real customer complaints, many of which related to premium increases at renewal and dissatisfaction with the Home Emergency cover:
"Received my insurance renewal, great shock it has risen by 45%."
"Took out "Emergency Home Cover" in addition to my general home insurance. I made a claim because of water getting into the loft area around the chimney following high winds, heavy rain and winter storms. The policy proved to be a waste of time and over two weeks later I was still waiting for "emergency" repairs. In the end got my own contractors in to sort it. I was promised dates from Halifax that just did not materialise and had to constantly keep phoning to find out what was going on. I Would definitely not renew."
"My insurance renewal has just come through and after my first year the price has increased by an unbelievable £148.33!"
"Bought the home insurance policy two weeks ago and despite several telephone request for policy documents to be emailed to me, I still haven't received them!"
"I have emergency home cover my boiler as broke down this tea time I have tried three times to contact them on the EMERGENCY number and have been on hold for over one hour first time 40 mins the second and 13 mins the third still can not get in touch so I have no heating or hot water if I get any other tradesman my policy will be void I have to contact them first before having any work done. Help."
"Having lost my diamond from my engagement ring I am over 12 weeks into a dispute where they are only offering me just over half of what my ring is insured for. It is valued higher than what it’s insured for too, which makes the situation worse. "
In terms of features, Defato has rated one of Halifax's home insurance products ("Home Insurance Ultimate") with 5 stars out of 5 but the other product ("Home Insurance") with only 3 stars.
|Halifax Home Insurance Defaqto Ratings (out of 5 stars)||Buildings||Contents|
|Home Insurance Ultimate||5 stars||5 stars|
|Home Insurance||3 stars||3 stars|
Halifax Home Insurance Quote Comparison
According to our sample quotes, we found that Halifax Home Insurance plans are priced near the average cost of home insurance in the UK. The following chart compares sample quotes for the basic Halifax Home Insurance plan with family legal and home emergency added on to a few UK competitors with similar cover.
For this exercise, we quoted for a 35-year-old policyholder living in a mortgaged, 3-bedroom property in SN11, who had made no claims in the past 5 years. Insurance quotes can vary significantly from day to day and according to individual details, so please use this data for educational purposes only as your quotes may reflect a large degree of variation. Additionally, insurance policies across different companies can be difficult to compare directly, as they can vary in terms of excess, cover amounts, etc.
FYI Halifax gives the option to choose a voluntary excess from £100 (or £50 on Ultimate plans) up to £1,000. A policy with a higher excess will cost less, because you're committing to pay more towards any valid claims. While a lower premium is certainly enticing, before signing up for a policy with a higher excess be sure you'd be equipped to pay the excess in the event of a valid claim.
Halifax Home (Buildings and Contents) Insurance Add-On Costs
Here are estimated costs of add-on extras for a mortgaged, owner-occupied, 3-bed property when you buy an Halifax buildings & contents home insurance policy. While prices depend on a number of factors and may be different for your profile, it can be useful to get a general idea of rough costs for these optional features when you're deciding what cover to buy. Home Emergency and Legal are the same price regardless of plan.
|Estimated Costs of Extras||Home Insurance||Home Insurance Utimate|
|Accidental Damage - Buildings||£5.16||Included|
|Accidental Damage - Contents||£8.46||Included|
|Home Emergency Cover||£39.60||£39.60|
|Personal Possessions Away From Home (£2k)||£27.59||£48.47|
|Personal Possessions Away From Home (£5k)||£34.90||£60.96|
|Personal Possessions Away From Home (£10k)||£40.73||£70.95|
|Pedal Cycle (up to £500 per bike)||£17.73||£25.35|
|Pedal Cycle (up to £1,000 per bike)||£31.19||£44.15|
Halifax Home Cover: Features
Below is a high level summary Halifax home insurance optional coverages. Limits for each section can be found below in the Policies section. For more complete details like full exclusions, please see the policy documents.
|Halifax Home Insurance Features||Notes|
|Personal Belongings (Away From Home)|
|Home Emergency Cover|
|Outbuildings and In-The-Open Cover|
|Bicycle Cover (Away From Home)|
|Students' Contents Away From Home|
Halifax Home Insurance Notable Exclusions
Halifax home insurance exclusions include (but are not limited to) storm damage to fences and gates, loss or damage if you've been away for either 30 or 60 days or more (depending on your policy), frost, damp or rot damage, computer viruses, coastal or river erosion, mechanical or electrical faults, etc.
You may want to keep these exclusions in mind if you go with Halifax or as you're comparing different home insurance plans. Clearly, we've only mentioned a few exclusions here. To find others that may be more relevant to you, it's always a good idea to read through the full list of exclusions in the policy documents.
- 1. No cover for storm damage to fences, hedges, gates or any contents left in the garden.
- 2. Cover to contents when you are moving home is covered only if you use a professional removal firm.
- 3. If you have Student cover, theft or attempted theft from housing while attending full time education is excluded, unless forcible and violent means are used to gain entry or exit.
- 4. If you have Pedal Cycle cover, theft of unattended bicycles is excluded unless locked to a permanent object.
- 5. If you have Personal Belongings cover (i.e., away from home cover), theft from a vehicle is only included if the items were hidden from view in a locked boot, glove or luggage compartment and force or violence was used to gain access—note, as far as we can tell the policy documents do not specify an inner "theft from vehicle" limit (we frequently see a £1k or £2k limit from many other insurers).
- 6. Those who leave their homes unoccupied for more than 30 or 60 days at a time (as chosen by you when you take out a policy) won't have cover for malicious damage or vandalism, escape of or freezing of water/oil from any domestic appliance or fixed domestic water/oil installation, theft or attempted theft, trace and access, etc.
Halifax Buildings & Contents Insurance: What's Covered?
Halifax home insurance protects against calamities such as fire, flood, storm, theft, escape of water, subsidence (depending on cause) and other similar causes.
|Cover benefits include||Halifax Home Insurance||Halifax Home Insurance Ultimate|
|Buildings Private Residence Cover||Up to £500,000 (can increase)||Unlimited|
|Trace and access||£5,000||£5,000|
|Replacement locks and keys||£250||Unlimited|
|Property owner’s liability||£1,000,000||£2,000,000|
|Outbuildings Cover||Optional||Included as standard|
|Buildings Accidental Damage Cover||Optional||Included as standard|
|Contents Cover||Up to £75,000 is standard (can adjust up to £100,000||Unlimited (except for inner limits)|
|High Risk Items Cover||£10,000 as standard, selectable up to £30,000||£10,000 as standard, selectable up to £50,000|
|Contents when you are moving home||£20,000||Unlimited|
|Replacement locks and keys||£250||Unlimited|
|Contents Accidental Damage Cover||Optional||Included as standard|
|Personal Belongings Away From The Home||Optional (up to £15,000)||Optional (up to £25,000)|
|Students' Contents Away From Home Cover||Optional (up to £10,000)||Optional (up to £10,000)|
|Pedal Cycle Cover||Optional (up to £10,000)||Optional (up to £10,000)|
|Replacement of Sets Cover||not available||Included as standard|
|Home Emergency Cover||Optional||Optional|
|Legal Expenses||Optional (up to £50,000)||Optional (up to £50,000)|