Halifax Insurance Review 2026: Cover, Claims and Customer Service

About Halifax Insurance

Halifax was founded as the Halifax Permanent Benefit Building Society in 1853 in West Yorkshire and grew to become the UK's largest mortgage lender by the late twentieth century. The society demutualised in 1997, became Halifax plc, merged with the Bank of Scotland in 2001 to form HBOS, and was acquired by Lloyds TSB in 2009 to create today's Lloyds Banking Group.

Halifax Insurance is sold as an add-on to Halifax current-account holders and mortgage customers, but is open to non-customers too. The brand is one of three retail-banking brands within Lloyds Banking Group, alongside Lloyds Bank and Bank of Scotland.

Why "Halifax"?The society took its name from the Yorkshire town of Halifax where it was founded. The name was kept after demutualisation in 1997 because it was already one of the most recognisable financial brands in the UK.

Ownership and group structure

Halifax is a trading name of Bank of Scotland plc, which itself is a wholly owned subsidiary of Lloyds Banking Group plc. Lloyds Banking Group is a FTSE 100 constituent on the London Stock Exchange (ticker LLOY). Halifax Insurance products are underwritten by Lloyds Banking Group entities and selected external partners, depending on the cover.

Strategy: insurance as a banking add-on

Halifax's insurance strategy is to cross-sell cover to existing banking and mortgage customers rather than compete head-to-head on aggregators. Halifax buildings insurance is regularly bundled with a mortgage application, and current-account holders see in-app prompts for home, car, travel and life cover.

In 2026 Lloyds Banking Group continues to invest in digital insurance journeys within the Halifax mobile-banking app, including in-app claim notifications and policy management.

Halifax insurance: cover and prices in 2026

Halifax sells four core insurance products on its own brand. The headline products are below.

The Halifax product range

Best for mortgage customers

Most popular

Halifax Home Insurance

Combined buildings and contents or standalone. Underwritten by Lloyds Bank General Insurance Ltd. Three tiers (Essentials, Home, Home Plus) with accidental damage and home emergency on the top tier.

• Up to £1m buildings cover.
• Up to £75,000 contents cover.
• Home Plus includes accidental damage as standard.

Motor

Halifax Car Insurance

Comprehensive, third-party fire and theft, or third-party only. Multi-car discount, courtesy car included on Comprehensive and 90-day European cover as standard.

• Multi-car discount available.
• Courtesy car included on Comprehensive.
• 90-day European cover included.

Single or annual

Halifax Travel Insurance

Single-trip or annual multi-trip cover, with the option to add winter sports or business travel. Cruise cover available as an add-on. Provided via Lloyds Banking Group partner UK Insurance.

• Emergency medical cover up to £10m.
• Annual multi-trip with trips up to 31 days.
• Cruise add-on available.

Top tier

Protection

Halifax Life Insurance

Term, decreasing (mortgage) and critical-illness cover. Underwritten by Scottish Widows, the Lloyds Banking Group life insurance arm.

• Cover up to £1m.
• Joint-life and single-life options.
• Optional critical illness cover.

Add-on

Halifax Home Emergency

Optional 24/7 emergency call-out cover for boiler breakdown, plumbing, drains, electrics and security. Can be added to any Halifax home insurance policy.

• Call-out, parts and labour up to £1,000 per claim.
• 24/7 emergency line.
• No claim excess on most call-outs.

Mortgage

Halifax Mortgage-linked Cover

Buildings-only insurance designed to be taken at the point of mortgage application, with cover effective from exchange of contracts. Optional contents and emergency add-ons.

• Cover from exchange of contracts.
• Single annual buildings limit.
• Optional accidental-damage upgrade.

Mortgage-linked discountHalifax mortgage customers are offered a discount on Halifax home insurance at the point of application. Run an aggregator comparison before accepting it, as the discount does not always beat the open market on Standard tier home cover.

Making a claim with Halifax

Halifax claims are handled by Lloyds Bank General Insurance on home and by group partner UK Insurance on car and travel. Most claims can be reported through the Halifax mobile-banking app or online; the 24/7 claims phone line remains the fallback for urgent matters such as a burst pipe or a road accident.

For step-by-step instructions on the claims process, visit the Halifax Insurance help pages. Have your policy number and (for motor) the other driver's details ready when you call.

Halifax online banking and the mobile app

Halifax Insurance is managed through the same Halifax Online Banking portal and mobile app that customers use for their current account and mortgage. From a single sign-in you can see your insurance documents, change cover, renew, view claim status and (on most policies) start a new claim.

• Sign in: by Halifax username and password.
• Memorable information: an additional layer of security on sensitive actions.
• Biometric login: Face ID, Touch ID and Android fingerprint supported in the Halifax mobile app.
• Two-factor authentication: SMS code or in-app approval on bank transfers and policy changes.

Banking + insurance in one placeIf you already bank with the Halifax, you do not need a separate account for insurance — your policies sit under the same login and the documents are stored in the Halifax mobile-banking app indefinitely.

Halifax Insurance customer service

Every important Halifax Insurance contact line is collected below. Numbers in Selectra blue are the ones most customers need on day one. All numbers are tapped to dial straight from a mobile.

Contact Halifax Insurance by phone

Contact Halifax online

• Halifax Online Banking: log in to the app or website for secure messaging and most policy changes.
• Live chat: available from the Halifax Insurance help pages during UK business hours.
• X (Twitter): send a DM to @AskHalifaxBank for general queries (never share policy or payment details).
• Branch: walk into any Halifax branch for support with a Halifax Insurance product.

Halifax head office address

Halifax, Trinity Road, Halifax, West Yorkshire HX1 2RG. For policy correspondence and complaints, use the address on your policy schedule rather than the head office.

How to complain about Halifax Insurance

Raise the issue first with Halifax by phone, in Halifax Online Banking, in branch or in writing. If Halifax does not resolve the complaint within eight weeks, or you receive a final response you disagree with, you can escalate the complaint to the Financial Ombudsman Service free of charge.

Is Halifax a good insurer? Reviews and ratings

Halifax Insurance scores around 4.0/5 on Trustpilot from more than 20,000 reviews. Reviews highlight the integration with Halifax Online Banking and the simplicity of mortgage-linked home cover; the most common criticism is renewal pricing and the additional checks involved on motor claims.

Defaqto rates Halifax Home Insurance at 5 Stars on its Home Plus tier and 4 Stars on Essentials, with Fairer Finance placing Halifax in the upper half of its 2025 transparency rankings.

If price is your priority, run a Halifax quote alongside our list of the best UK insurance providers before you renew.

Halifax news 2024–2026

• 2024: Lloyds Banking Group integrates insurance documents into the Halifax mobile-banking app for all customers, removing the need for a separate insurance portal.
• 2025: Halifax adds in-app claim notifications and digital first-notification-of-loss for motor and home claims.
• July 2025: The Aviva-Direct Line merger reshapes the UK personal-lines market; Halifax continues to focus on cross-sell to its 17 million banking customers.
• 2026: Halifax extends its Home Emergency product to include EV-charging-related electrical faults, reflecting growing electric-vehicle take-up.

Halifax timeline

• 1853: Halifax Permanent Benefit Building Society founded in Yorkshire.
• 1928: Halifax becomes the largest building society in the world.
• 1997: Halifax demutualises and lists on the London Stock Exchange.
• 2001: Halifax merges with Bank of Scotland to form HBOS.
• 2009: Lloyds TSB acquires HBOS, forming today's Lloyds Banking Group.
• 2020: Halifax mobile-banking app becomes the most-used Lloyds Banking Group digital channel.
• 2024: Insurance documents integrated into the Halifax app.
• 2025: In-app claim notifications launched.
• 2026: Home Emergency extended to EV-charging faults.

Halifax Insurance FAQ