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Halifax: Home insurance reviews

Name: Home insurance
Rating: 3.01 (94 reviews)

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2.79

Based on 94 reviews, last reviewed 9th Sep 2025

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

37%

15%

44%

Latest highest rating:

5

am doing a servay on a website that i dont evan see... am doing a servay on a website that i dont evan see the product that i need as yet. Reviewed on: 27th November 2024

Latest lowest rating:

1

Halifax Impossible to talk to someone when claiming Halifax home insurance - I had a bathroom leak, dealt with finding the cause, then as a Saturday Halifax phone number closed. The phone number is deli... Read more Reviewed on: 9th September 2025

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About this product

The Halifax Home Insurance Select policy is underwritten by Lloyds Bank General Insurance Ltd.

Halifax only ask you a handful of questions, so you get a quote faster. Choose from three levels of cover and manage your policy online. You can choose to spread the cost of your policy and pay monthly with no extra charges.

Halifax home insurance reviews help you find out what it’s really like to be a customer. If you’ve used Halifax before, you can also leave a review and share your experience.

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Halifax Home insurance reviews (94)

Halifax Impossible to talk to someone when claiming

Halifax home insurance - I had a bathroom leak, dealt with finding the cause, then as a Saturday Halifax phone number closed. The phone number is deliberately hidden, so started the claim online, horrible form that forced box ticking that wasn't precisely what I wanted to say, evidence from apple phone not accepted as video, only small video in a non-smart phone format. Tried to call 3 days later and automated system refused to let me speak to anyone, through me out saying they needed 5 days to process. I have a soggy bathroom and no idea what is happening. Never claimed on home insurance before, Halifax is a terrible experience so far. Reviewed on: 9th September 2025

Halifax were able to insure our house despite previo...

Halifax were able to insure our house despite previous subsidence which has been remedied. The premium was reasonable and the only evidence required was a certificate of remediation. Reviewed on: 4th September 2025

I have been a member since 2020 policy no HAP602140054.

I have been a member since 2020 policy no HAP602140054. They have denied every single claim from fire to leaks to a blocked toilet or sink I even took out legal cover and that was denied. For my electrical fire despite fires being covered they are saying it depends what caused it. Well that’s why I have home insurance so you can pay to determine this. Literally the worst insurance I have dealt with I pay over £500 a year they take everything and give back nothing. Reviewed on: 29th August 2025

Avoid Taking Out Insurance with Halifax Home Insurance

Here’s my experience—be careful, everyone! Someone could get hurt with insurance providers that operate like this! Recently, I faced a disaster in my small bathroom at home, where I live with my 12-year-old child. I called Halifax Insurance, and they appointed a company called Polygon to handle the situation. The technician from Polygon assigned to my home who spent 10 precious minutes slating insurance companies, during which he slatted different insurance companies. After that, he took a reading and decided to rip out my vinyl flooring to install an industrial dehumidifier in my bathroom, advising to keep windows closed alongside the heat it produced, which made it nauseating to the point of near passing out. However, Polygon loosely taped the main cable to the wall in my hallway. An hour after the technician left, due to the heat outside and the heat produced by the dehumidifier, the cable had fallen and was lying all over the hallway floor (Trip Hazzard). Halifax then sent an assessor to my home, as I had to book a hotel due to A) the noise of the unit, B) the heat it generated, and C) the fact that I only have one bathroom. The assessor stated that the bathroom was inconvenient but liveable. You can judge for yourself by looking at the images I provided! The assessor falsely claimed that the Polygon technician stated the damp reading was taken from the floor. However, I have a digital record showing that the technician actually took the reading from the wall. Once again, Halifax Insurance has been caught lying in an attempt to avoid properly paying the claim. The assessors advised me when I asked natural questions that they were not a builder, yet they seemed to have all the final answers regarding the necessary bathroom refurbishment. This is very convenient for them. In times of disaster at home, we shouldn’t have to deal with such situations and lies. It’s utterly disgusting. I have been a loyal customer of this insurance company for five years, and this was my first claim. I can confidently say I will never use them again. When disaster strikes, we expect appropriate action to be taken swiftly, not to be left with charlatans handling our major decisions. P.S. They upheld my claim, but after a £500 excess, they offered me only £328. What a ridiculous and disappointing experience! I hope my situation makes you think before taking a policy out with Halifax/ Lloyds Insurance Reviewed on: 15th May 2025

am doing a servay on a website that i dont evan see...

am doing a servay on a website that i dont evan see the product that i need as yet. Reviewed on: 27th November 2024

Fair price cover.

Quote for home and contents insurance are a very good price for cover provided. Very good cover and price for extra high value items. I have not experienced any claims, therefore not a full score. This may change my opinion if I do have a claim and the service is poor. Reviewed on: 11th October 2024

Great value for money for comprehensive cover.

I have Halifax home and contents insurance with added higher value items. It is excellent cover for a fair price, very comprehensive and you have the option of different levels of cover to choose for your personal situation. I would have given it a higher score, but I have not had any experience of their claims, which really is needed to give a full and accurate review. Reviewed on: 4th September 2024

Positive when claiming.

So far very positive when claiming Reviewed on: 23rd August 2024

I use Halifax to bank with and they have given me go...

I use Halifax to bank with and they have given me good customer service Reviewed on: 23rd August 2024

Been with them a long time BUT will be leaving asap.

Been with them a long time. Premium well over £1000 a year. Previous claims always dealt with speedily but something is going very wrong at the moment. You cannot call them. Their nominated handling company cannot answer any questions. A very small accidental damage claim has so far taken seven weeks NOT to sort. I will be moving companies next year. Reviewed on: 6th February 2024

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