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Simon P

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Review of the Halifax, Home Insurance:

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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

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