Halifax Car Insurance Reviews: Full Review and Rating
When looking at Halifax car insurance reviews you want to make sure you’re making an informed decision. Customers mention high prices and poor customer service told which can be a problem if you’re looking for value and reliability. On Trustpilot you can read about all the different experiences, including claims handling and customer service issues.
Reading multiple Halifax car insurance reviews will give you a better idea of what to expect. Many customers have written about their experience on Trustpilot and Smart Money People where they talk about policy features, pricing and extra services. This will help you weigh up the pros and cons before you decide.
Reading these reviews will show you recurring themes like optional extras and cancellation fees as seen in an article by The Independent. This full review of customer experiences will help you decide if Halifax’s offerings suit you.
Halifax Car Insurance
Halifax offer car and home insurance here which can be tailored to you. You can choose from comprehensive, third party fire and theft or third party only.
Customer Reviews:
Halifax has a “Bad” rating of 1.5 stars on Trustpilot with over 4,100 reviews.
Many customers have had problems with cancellation fees and extra charges.
Features:
You can manage your car insurance through the Halifax app which links to other Halifax products.
You can add extras like breakdown cover and personal injury cover during the purchase process.
Common Issues:
Customers are unhappy with Halifax’s customer service especially when it comes to claims.
Customers are being deducted from their bank accounts for claim updates or admin fees without warning.
Pros:
You can see all your Halifax products in one place through the banking app.
Cashback is sometimes available when you buy through comparison sites.
Things to Consider:
Administrative fees for cancelling early.
Check the small print to avoid surprises.
Halifax Car Insurance Options
When you choose Halifax car insurance you have several options to choose from.
Comprehensive: This is the highest level of cover. It includes damage to your vehicle, fire, theft and third party liability.
Third Party, Fire and Theft: Covers damage to the other parties’ vehicles or property, fire damage to your car and theft.
Third Party Only: The lowest level of cover. Only covers damage to other vehicles or property.
Halifax also offer:
Breakdown cover: If your car breaks down.
Legal cover: Protection against legal costs if you’re in an accident.
No claims discount: Protect your no claims bonus even after a claim.
Personal Injury Cover: Covers you or your passengers if you’re injured in an accident.
Courtesy Car: While your new car is being repaired you can have a temporary car.
Windscreen Cover: Covers repair or replacement of your windscreen.
You can tailor your policy by adding these extras to suit you. More info on Halifax’s website.
Price and Value
When you’re choosing new quote from Halifax car insurance you need to look at the price and value for money. Halifax car insurance reviews show mixed opinions from customers about the pricing.
Several other reviews say some found the price reasonable while others felt the price didn’t match the service.
Cost Examples:
Monthly Costs: Several customers mentioned extra charges. For example a Trustpilot review said £96 to cancel the policy and £25 one month fee.
Fee Increases: Smart Money People showed a big increase in 5 star reviews in the last 90 days but that doesn’t necessarily mean overall satisfaction with the pricing.
What You Get for the Cost:
Cover: Some policies may only offer basic cover that doesn’t always give great value for the premium.
Extra Fees: There are sometimes administrative fees as mentioned in the reviews which could make it less appealing.
Compared to Other Insurers:
For a full comparison you may want to look elsewhere courtesy car you. For example LV car insurance has a 78% policy score and is top for customer satisfaction so may offer better value.
By reading the full feedback and considering Halifax’s cost issues you can make a more informed decision if it’s right for you and your budget.
Customer Experience
Halifax’s first car insurance provider has mixed feedback from customers.
Many have had bad experiences. For example there are complaints about long wait times on the phone. Some customers have been frustrated with customer service when they’ve been told there’s no response when they need help urgently.
Another common issue is the cancellation fees companies have. One customer was charged £121 to cancel their policy just a month after renewal. This included a £40 admin fee to send online correspondence and communicate with the insurer by phone.
You may also have problems with claims. A customer had been involved in a non-fault accident and their claim was still unresolved months later despite multiple follow ups. This was especially frustrating as the accident had left their car unusable.
But it’s not all bad. Some customers like the low premiums customer services online. If budget is key then Halifax might be an option but be careful as there may be service issues.
Here’s a quick summary of the common issues:
Issue Description Long waiting times Waiting on the phone for ages High cancellation fees Big fees to cancel policy Delayed claims processing Long time to accept and resolve claims
Read more reviews on Trustpilot. This will give you more info and advice on what to expect when dealing with Halifax car insurance company.
Claims Process
When you need to make a claim with Halifax car insurance the process is simple.
Firstly you can call Halifax. For general policy queries 0344 209 0471. To make a claim 0344 209 0472. These lines are open 24/7.
You can speak to a representative. Monday to Friday and week: 8am to 8pm Saturday: 8am to 6pm Sunday and bank holidays: 10am to 4pm
Once you’ve reported the incident Halifax will walk you through the process. They’ll collect all the details and may send a vehicle inspector if needed.
If your claim is accepted Halifax will process it asap. They’ll keep you updated throughout the refund due process. Be prepared to provide any additional info quickly to avoid delays.
If you have underpayment issues you may want to check if other car insurers are underpaying claims. Halifax’s history includes reviews where customers had to follow up multiple times to get the correct premium due to mistakes as seen in online reviews.
For full policies and more info visit Halifax’s insurance page. This will answer any other questions you may have.
Policy Management and Online Access
Managing your Halifax car insurance policy is easy and simple. You can access and manage your policy online or through their app. This allows you to view your policy details, make changes and renew your insurance.
If you prefer the old way, Halifax have support over the phone. So you have multiple ways to manage your policy to suit you.
Online Portal and App
Access anytime: Online portal and app is open 24/7.
Update details: Change your personal details, add or remove drivers, change cover options.
Renew policy: Get notifications and renew online.
Phone Support
Speak to a representative: Customer service is for policy management, personal touch.
Cancel policy: If you need to cancel your policy you can do this over the phone. Be aware there may be a cancellation fee as seen in reviews.
Halifax Products
If you already bank with Halifax, have a Halifax credit card or other insurance products you can link your new car insurance to one account. This way you can see all your Halifax products in one place and manage your finances.
Having multiple ways to manage your policy online and offline means you can choose what suits you best.
Discounts and Extras
Halifax have a range of discounts and extras to customise your car insurance policy to you. These will reduce costs and add benefits to your cover.
Discounts
No Claims Discount (NCD): Get discounts for each year you don’t make a claim. Protect your NCD to keep your discount even if you do make a claim.
Multi-Car Discount: Insure more than one car with Halifax and get a discount on your premium.
Advanced Renewal Discount: Renew your policy early for savings.
Extras
Breakdown Cover: Get help if your car breaks down including towing and roadside repairs.
Legal Protection: Covers legal expenses in the event of a dispute following an accident.
Guaranteed Replacement Car: Have a car to use if yours is being repaired after an accident.
More
Keycare Cover: Covers the cost of replacing lost or stolen keys including locksmith fees.
Personal Accident Cover: Financial support if you’re injured in an accident.
Windscreen Cover: Covers the cost of repairing or replacing a broken windscreen.
Contact
For more info visit the Halifax car insurance extras page or call 0330 0189 539.
Now you know what the discounts and extras are, you can choose the best for your car insurance. Customise your policy to get the cover and savings that suits you.
Consumer Ratings and Reviews
Halifax Car Insurance has mixed reviews from customers. On Trustpilot it has a ‘Bad’ rating of 1.5/5 from over 4,100 reviews. This is a range of reviews, both good and bad, across different services.
Bad Reviews
Many customers are unhappy with Halifax’s auto-renewal process. For example one customer had a massive increase in their renewal quote. They were quoted over 3 times what they paid the previous year (high renewal quotes).
Another common complaint is high cancellation fees. Customers have been charged over £100 to cancel their existing policy without paying in full, which can be annoying if you want more flexibility (high cancellation fee).
Claims handling is also a problem. Some users have reported delays and poor communication during the claims process. One reviewer waited months for repairs after a non-fault accident that was clearly the other driver’s fault (delays in claims handling).
Good Reviews
On the other hand some customers like the convenience of Halifax. Linking car insurance to other Halifax products means you can manage all your financial products in one place (integrated financial products).
Ability to buy through comparison sites and cashback opportunities are also mentioned. So Halifax is a competitive option if you want to bundle your services and save (cashback opportunities).
Summary Ratings Trustpilot 1.5/5
Halifax vs Other Car Insurance Providers
When comparing Halifax car insurance with others there are some key differences to consider.
Customer Ratings
Halifax has a Trustpilot rating of 1.5/5 from over 4,100 reviews. NFU Mutual has a 91.74% customer satisfaction rating according to Auto Express. So NFU Mutual may have better customer service.
Renewal Fees
Some customers are unhappy with Halifax’s renewal process, including high cancellation fees. One customer was charged £121 for less than a month’s cover including a £40 admin fee for online correspondence. Other providers like LV promise to fix your vehicle and provide cover for life which can be more value for you.
Policy Integration
Halifax lets you manage your car insurance policy through their app and link it to other Halifax products. If you have multiple accounts and services with Halifax this can be convenient.
Claims Handling
LV has a good rating for customer satisfaction with claims, 2nd out of 25 insurers. So LV may have a more reliable claims process than the insurer Halifax which has worse reviews on this.
Additional Benefits
LV’s policies have guarantees on repairs for the vehicle’s life, a benefit few others offer. If you want long term security this could be a big plus.
Pricing and Discounts
Prices can vary greatly, some users have got cashback on policies bought through Halifax. Always check for discounts and compare with others to make sure you’re getting the best deal.