Halifax レビュー 

I’m very disappointed with the outcome of my insurance claim. It was rejected on the basis that the damage did not meet the insurer’s “storm criteria,” despite the impact being significant to my property.
The explanation provided felt overly technical and lacked transparency. I was left feeling that the decision was based more on strict definitions than on the actual circumstances of the damage.
Overall, this experience has left me questioning the value of the cover and the level of support offered when it mattered most.
I would not recommend Halifax Home Insurance and will certainly not be renewing my policy with them. I've been with them for several years and never claimed - we feel so let down.

I've lived at my late Father property for decades, the policy was transfered to his executors after his death over thirty years ago. I'm the current owner and only recently had a letter from Halifax to discuss current ownership status. I phoned them and after wading through numerous menus and recorded warnings messages about how they would share my data etc. I eventually got through to a human. To cut a long story short I was told that the cover would cease mid January. No attempt to switch it to my name or offer a route to make it easy for me to continue cover. No attempt to pitch an alternative package. I was just told it would cease and I'd have to find my own insurance. I have paid the insurance without missing any payments or claiming. I'll point out the lady I spoke to was pleasant and curteous albeit matter of fact. I guess you already know but if anyone like the Halifax tries to sell you the idea that they are customer focused ...it's not the case. Please don't be loyal and don't believe "we are all there for each other" approach. We are just numbers and such companies are machines that run the numbers.

I would be very wary of the halifax home emergency cover insurance.

There is a key exclusion which is mentioned only twice in the entire document. And it is not mentioned at all in any of the online information you have to go into the policy. And do a search for 'trace'.

All of the information you read about it makes you think that if you had a burst pipe, they will come out nd remedy the matter and make your property safe, secure.

This is not necessarily the case.Because if they cannot visually see where the leaking pipe, they will not do any work.And they insist that you get a third party to come out to trace the leak before they will come out to do any fix.

If you had a leaking radiator absolutely brilliant, they can probably see the leak.And they can fix it, and this is something that happened A few years ago for me and it was great.

This year on christmas day, water starts to leak through the ceiling in the kitchen.

They will not offer any assistance whatsoever.Unless I first find a plumber to come out and locate the leak, and then they are willing to send somebody out to fix it.

Absolutely, this is in their terms and conditions and you cannot dispute it whatsoever.

This effectively means, however, is it.If you have a leak and you cannot visually see it there are no use to you whatsoever, because if you have already taken time to get a plumber out to do the tracing, then he might as well as fix it. Your alternative is to start hacking holes in your own ceiling, risking life and limb, because you don't know what's up there, you don't know where the electrics are.You don't know what could possibly happen.

I phoned up they could not get to that question fast enough. They were desperate to get me off the phone Because they knew that it needed to be traced.

I have had the good and the bad of halifax, home emergency cover and I would say that it is not actually worth a great deal when you truly need it for something that is a real emergency.

So if you want some sort of cover where they will fix something that's visible, then I suppose, it's not a bad price.

But when you are really in trouble, the halifax are not there for you.

Really awful service on home insurance claim. Chased 3 times after completing online claim form. They admitted missing the claim and not appointing contractors. 45 minute wait to try and get through to a claims advisor.

Can’t believe a company providing such an important service in 2025 only communicates with its customers by snailmail. Having negotiated a new renewal price online I assumed I was covered from my renewal date on 27th Nov. But just received a letter today (19th Dec) confirming cancellation of my cover as the card details they had didn’t work. Supposedly sent me a letter ON THE RENEWAL DATE saying card had been refused so I was not covered. No phone call or email for an instant card update (I’d forgotten the card had been renewed - ironically a Halifax Credit Card). I never received the letter - even if I had it would have meant a few days of no cover. Instead, I’ve had no home insurance for almost 3 weeks. All sorted now (after a long panicky wait on the phone). I asked for my communication preferences to be changed to email or text but they only use postal mail. Seems archaic and potentially disastrous for us if we’d needed to make a big claim in the last 3 weeks.

Listened to 5 minute intro before being told very busy and would be a wait of 10 minutes. Waited and after 11 minutes they cut me off. I was phoning obo my partly blind/deaf 102 yr old mother in law. She can't work a computer and can't see to input dob, post code or policy number. Same a year ago - tried to query 30% increase - but needed to speak to her to get ok for me to speak. She couldn't hear them

Terrible company. No way to contact them. Have to listen to an idiotic AI phone system first for 5-10 mins and then finally you get through to the queue and nobody every answers -and this is for me to give them money to add something to my policy! god knows what it would be like to claim!

They are a disgrace, they guide you to their online systems but they do not work, 45 minutes plus wait times for telephone responses.

After 3 claims were refused, I finally understood that you have no right to take my money.

I honestly wish I’d come on here before I took out my insurance with these con artists, reading the reviews on people’s rejected claims just so similar what has happened to me, blame on wear and tear and lack of maintenance, no regard for the customer what so ever and just so focused on not fixing or paying out for legitimate issues! Any one new reading this DO NOT get insurance cover with these my policy will be getting cancelled tomorrow complete con artists if there was an option for 0 stars they’d be getting that.

They seem good. But trying to contact them for a slight change in the policy is a nightmare. Have 6mins of questions to get through before finding out how long the wait is (usually very long). I won't be renewing my policy just because of the poor customer service. I have my banking and mortgage with them but my insurance is going

Their Home Emergency Cover is anything but emergency cover. My story is pretty much the same as everyone else so no point in repeating things, suffice to say policy has been cancelled as it is simply worthless. As for the guy I spoke to - he needs to learn customer service skills.

Poor claims experience. Impersonal and dismissive.

Absolute nightmare to deal with. The DD was set up and they have not taken out. Had 3 letters confirming everything is fine for DD and not checked ( as trusted them to take out as normal) but no. Passed from pillar to post over 3 hours and had a very unhelpful member of staff who was rude. Worst company ever dealt with and am going to terminate as there must be better ones out there. Complaint not resolved either. Shameful that Lloyds and Halifax would even be linked with this firm. Very disappointed.

Just waited for 45 minutes to speak to a person about changing the account to which my premium is charged. Why can I not do this online? This is 2025, not 1975.

When I first did business with HBS in the early 1970’s they were a first class organisation you could trust with your money. Sadly, over the last few decades they have lost their way, are no longer customer focused and you need to be very wary of some of their underhand practices.

Storm Amy removed the lead flashing and several ridge tiles from our home. We tried the emergency 24/7 phoneline, no one answered. The next day I contacted a roofer who came out and covered the roof with a tarp, he also surveyed the damage with a drone and put an estimate together for us. We submitted the estimate and waited. We tried contacting Halifax again first thing on the Monday morning, they said they would send an assessor, repeated back and forth between us and them, telling us not to proceed with repairs until damage was assessed. 14 days later an Assessor turned up all the while we have a hole in the roof leaking into the house. The guy had no ladders no drone no proper assessment done, took one picture and left. Didn't ask for any information about what happened. Halifax now refuse to pay out, claiming the damage didn't occur during the storm. When we asked how the guy had done the survey fro inside the attic, they said we would have to pay to get the tarp removed, on a sunny day when it would be able to get the assessor back. It's October in UK not renowned for sunny days. Maybe they could have asked for the tarp removed before sending a guy out. Rubbish communication, bad faith actors. Save yourself some trouble avoid Halifax insurance. We have started a complaints process, on advice of the financial ombudsman, I have little hope this will be resolved to our satisfaction.

3 + months now without my item or recompense, passed to a claims handler who I can only assume has eloped as never answers the phone or return calls. You will get an excuse every time you call from different people and this will come at great time expense to you, but rest assured nothing will happen and you will have to do it again. AVOID at all costs.

One is the minimum I could give Halifax Insurance.
Claim experience horrendous.
Communication awful.
Price rise in premium nearly doubled because of claim. (Bathroom leak).
My only advice, go elsewhere.

We're *still* dealing with the nightmare Halifax caused when someone hit our car (years later). They were impossible to contact, lost the car for months and (as a result) incured a huge amount of car rental costs. I used to have several insurance policies with Halifax but have now cancelled all of them.

AVOID AVOID AVOID!

Terrible service! Had an upstairs flood on the 3rd May, causing extensive damage. Halifax treat claims separately between buildings and contents and so appoint 2 companies, 2 excess of £350! However contents are not dealt with until buildings is completed.
All started well enough. With loss adjuster etc.
They appointed a company called all Paradigm, for buildings, who were busy so came and removed walls ceilings flooring etc, radiators, electrical sockets and lights downstairs in July. Leaving us in the dark and limited heating. They were supposed to return and we were notified they’d be completed by the 8th September, and so Halifax, on this basis, engaged the contents company (carpets, furniture furnishings).
We have had most our contents removed by Paradigm in preparation of their works, but not all as they were supposed to, and failed to return.
We are forced to live between our kitchen, bathroom and uncarpeted bedroom.
Paradigm did not turn up, and despite directing us to companies to make choices, then stated on several occasions we couldn’t use the companies or the product we had chosen. This meant that other works now delayed, as a result. We have repeatedly chased up Halifax and made a formal complaint.
This week Paradigm turned up to replace flooring in one small room and our small bathroom. They refused to commit to when the rest of work would be completed.

However, Paradigm only fitted the flooring in the small room and left. I then received a mail from their PM stating that they wouldn’t continue the works as I had another contractor on site, and they had to leave. This contractor was not involved in or anywhere near the works and was a family friend who was also affording access to them. I had already taken time off work for the works, previously scheduled. I assured Paradigm that no other contractors would be present as they required and asked them to return. I then received a mail from Paradigm, cancelling all their future works!!!!!

We have requested to be rehoused, repeatedly, but are refused, as Halifax deem our property as habitable, as long as you can cook, wash and sleep. You can do that in a tent!!! They have just offered a very poor cash settlement of £2800, to fit flooring/skirting, supply and fit doors, refit radiators, supply descaling and decorating materials and employ a project manager.

They refuse to adjust the offer, and also state that it does not include VAT, thus encouraging me to break the law and take the risk of employing works with cash in hand and thus no warranty of works.

They state they can’t find another company for several weeks, before they could come and carry out a scope of works.

To top it all, they now want to return our belongings in storage, to a house not renovated!

We paid/paying top premium for our insurance with Halifax as they were also our mortgage provider! Not any longer to both!

Avoid Halifax and Paradigm like the plague!!!!!!!