Car Insurance

Make sure you’ve quality cover you can rely on. All our policies come with great benefits.

  • 10% discount for Online Banking customers
  • 24/7 online self-service centre and access to the Halifax Car Extras site
  • 24-hour emergency claims helpline.
  • 60 Days European Union Cover - at the same level of cover as you get in the UK.

And if you take out a comprehensive policy, you’ll also enjoy these extra benefits:

  • 3 year guarantee on approved claims repairs.
  • 24-hour emergency windscreen helpline.
  • New car replacement – if a car you bought new in the last 12 months is stolen and not recovered.
  • Vandalism cover – so if your car is damaged maliciously, you're still protected.
  • Courtesy car – whilst your car is at one of our approved repairers. Subject to availability and eligibility.

Take a look at the policy wording (PDF) for full details of what’s covered and what’s not. Terms, conditions and exclusions apply to all benefits. Full details can be found in the policy documents. Halifax Car Insurance is underwritten by a panel of insurers and is arranged and administered by BISL Limited.

10% discount for halifax online banking customers.

10% off our standard cover in the first year when you log in to Online Banking to get a quote and buy your policy. The discount is automatically applied to your premium and excludes optional extras.

Register for Online Banking

Not an online banking customer?

You can still get a competitive quote.

Get a quote Retrieve a quote

Or, give us a call on 0330 0189 539. Lines are open Mon to Fri 8am - 9pm, Sat and public holidays 9am - 5pm, Sun 10am - 4pm.

Quote links take you to a partner site with a new privacy and cookie policy.

Want extra peace of mind?

If we haven't covered everything you need you can always take out additional cover with your policy.

Motor Legal Protection is administered by ACM ULR Limited. The Legal Expenses element is underwritten by AmTrust Europe Limited

Did you know that as the driver, both you and your passengers could be left out of pocket following an accident? Our enhanced Motor Legal Protection is 5* Defaqto rated and is here to support you. The 24/7 legal helpline means there’s always someone at the other end of the phone to offer assistance.

If the accident wasn’t your fault our Motor Legal Protection policy provides cover for up to £100,000 of legal expenses to help with;

  • Obtaining compensation for personal injury and medical expenses.
  • Recovering losses resulting from the accident eg policy excess, loss of earnings, phone bills and travel costs.
  • Recovering repair costs if not already covered by comprehensive car insurance.
  • Recovering vehicle hire charges.

You will also receive motor prosecution defence cover if you are facing suspension or disqualification of your driving licence. You will receive up to £20,000 of legal expenses to help with your case, as long as there is a reasonable chance of avoiding suspension or disqualification. This cover doesn’t include any fines, penalties or charges relating to alcohol or drugs.

This cover only costs £29.99 per year.

Terms, conditions and exclusions apply. Please refer to the Motor Legal Protection policy (PDF) for details of what is and isn’t covered.

Provided by RAC Motoring Services

The cover ranges from basic roadside assistance for £42.99 per year right up to more extensive options that also provide cover at home – and even for breakdowns in Europe.

Conditions and exclusions apply, see the RAC Breakdown Cover policy (PDF).

Underwritten by Ageas Insurance Limited

Add Keycare cover for £7.49 and you'll get the following benefits if you lose your keys:

  • Call out and cover anywhere in the EU up to £1000
  • Cover if you lock your keys inside your car or home. Including locksmith charges, new locks, replacement keys, car hire and onward costs (within the annual limit per registered key fob).
  • A 24/7 helpline – no matter when you lose your keys, Keycare will be there to help. Please remember to let us know if you have lost your keys within 30 days
  • Cover for the immediate family members (Grandparents, parents, spouse, civil partner, live-in partner, child or step child) who live at your address
  • No excess to pay, and Keycare claims won’t affect your no claims discount
  • A £10 reward paid by Keycare to anyone who finds and returns your keys

Terms, conditions and exclusions apply

Take a look at Keycare policy booklet (PDF) and Keycare policy summary (PDF) for details of what is and isn’t covered.

No Claims Discount Protection is provided and administered by BISL Ltd.

No Claims Discount (NCD) is a discount applied to your Car Insurance premium for the number of years in which you haven’t made a claim to your policy. For each year you’re insured without making a claim you’ll earn another year’s NCD, up to a maximum of nine years (minimum premiums apply). To find out your number of NCD years, please look on your latest renewal invitation from your Car Insurance provider.

If you have 4 or more years NCD you may be able to protect the number of years discount you have accumulated for an additional cost by purchasing No Claims Discount Protection. With NCD Protection, you are able to make two fault claims within a three year period without it reducing the NCD applied to your policy premium.

If selected, the cost of No Claims Discount Protection will be calculated as a percentage of the insurance policy premium. The stand-alone price for this additional option will be displayed on your price presentation page.

No Claims Discount Protection:

  • allows you to make two fault claims within a three year period without it reducing the NCD applied to your policy premium.
  • does not protect the overall price of your insurance policy. The price of your insurance policy may increase following an accident even if you were not at fault.

Halifax Car Extras

As an added extra, all our policies come with access to our Halifax Car Extras site, where you can claim a lovely, free quarterly offer and an excellent range of leisure, motor and travel discounts.

These great deals change every quarter. View the offers you could get if you insure your car with us. Terms and conditions apply.

Already insured with us?

Visit the self service centre to view your policy documents and access the Halifax Car Extras site.

Take a look at our existing customers section if you need to start a claim, renew, change your details or just get in touch.

Related products.

Halifax Car Insurance is underwritten by a panel of insurers and is arranged and administered by BISL Limited who are an independent intermediary authorised and regulated by the Financial Conduct Authority. Registered in England No 3231094.

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