Halifax Car Insurance is underwritten by a panel of insurers and is arranged and administered by BISL Limited. When getting a quote online you’ll be taken to BISL Limited’s online site with a new privacy and cookie policy.

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Browse our existing customer support topics to help answer any questions you may have.

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Find the right cover for you


This is our highest level of cover. Here’s just a few of the features:


  • 3 year guarantee on approved claims repairs
  • courtesy car
  • new car replacement
  • vandalism cover
  • Comprehensive 60 Days European Union Cover
  • manage your policy online
  • 24/7 emergency Claims Helpline
  • 24/7 emergency Windscreen Helpline


Learn more about Comprehensive cover

child in car seat

Important information: Terms, conditions and exclusions apply to all benefits. In the event of a claim normal Excess applies and No Claims Discount may be affected. For more information please refer to the relevant Insurance Product Information Document: Comprehensive (PDF, 118KB), Third Party (PDF, 209KB), Third Party, Fire & Theft (PDF, 113KB).

Add optional extras

Want extra peace of mind? Upgrade your car insurance policy with our range of additional cover options. Choose from:


See all optional extras

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Prefer to talk to us?

Get a new quote by calling 0330 018 6312 or retrieve a quote by calling 0330 018 9539.

Lines are open Monday-Friday (8am-8pm), Saturday (8am-6pm), Sunday and Bank Holidays (10am-4pm.)

Existing customer support

Learn how to make the most of your car insurance policy.

Existing car insurance customer support

Win £100 with your car insurance

Renew your car insurance directly through us before 11 November to enter a daily prize draw with one customer per day winning £100. T&Cs apply. Excludes Northern Ireland and under 18s. 

Time to renew your insurance?

We’ll contact you 28 days before the policy is due to expire with your new renewal quote. You can then choose to accept or cancel it yourself within My Account.

Sign in to My Account

Or, you can call us on 0344 209 0470 to manage your renewal over the phone.
Lines are open Monday-Friday (8am-8pm), Saturday (8am-6pm), Sunday and Bank Holidays (10am-4pm).

Make a claim

Don’t worry. If you need to make a claim, we’ll help get you back on the road as soon as possible.

Things you should know about making a claim

Ready to start your claim? Call us on 0344 209 0472

Lines are open 24 hours a day, 7 days a week.

Manage your policy online

Existing customers can sign into My Account and: 

  • view, download or print your policy documents
  • add and remove additional drivers
  • change your policy details and more

Changes made to your policy may result in a change in premium

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Ukraine crisis

If you are using your vehicle in the UK to support the humanitarian crisis unfolding in Ukraine and have Halifax car insurance cover, you do not need to tell us about your change in circumstance or amend your policy. You’ll continue to be covered by your existing policy.

See FAQs on volunteer driving >

Frequently asked questions

  • Yes, you can. You’ll also enjoy these benefits:

    • Battery cover - whether your battery is leased or owned, we’ll cover accidental damage, fire and theft.
    • Cable cover - your charging cable is covered for accidental damage, fire and theft.

    You can also choose between a range of optional extras, including RAC breakdown cover in case you ever run out of charge.

    Some manufacturers may require you to have separate battery insurance.

  • Car insurance excess is the amount you'll need to pay towards a claim against your policy. Your insurer will cover what’s left, which could be significantly higher, depending on the scale of the damage.

    Here’s a really simple example – imagine you’ve had an accident, causing £2,500 worth of damage to your vehicle. Your car insurance policy requires you to pay an excess of £250, which means your insurer will cover the remaining amount of £2,250.

    There are a few types of excess, and more than one could apply to each claim, depending on the terms of your car insurance policy. The most common are:

    • standard or compulsory excess – as the name suggests, this is the standard amount you’ll need to pay towards any car insurance claim
    • voluntary excess – many insurers will allow you to set a higher excess amount. Although this could reduce your annual car insurance premium, you’ll need to pay more if you need to make a claim, so make sure you’re realistic about what you could afford in the event of an accident
    • age excess – younger drivers might be offered car insurance with a higher excess amount, based on their level of driving experience and insurer insight about accident statistics
    • glass or windscreen excess – some policies include a separate excess amount to cover vehicle glass claims

    Excess costs may vary, depending on the policy features you choose. As a general rule:

    • increasing your excess amount will reduce your annual premium
    • reducing your excess will increase your car insurance premium

    Check the terms of your car insurance policy carefully, so you understand any excess costs associated with making a claim.

  • In addition to the level of cover you choose whether that’s comprehensive, third-party fire and theft, or just third party, there are a number of things which can affect the cost of your car insurance premium:

    • your estimated annual mileage
    • any existing no-claims discount
    • the group, age and value of your vehicle
    • security features or vehicle modifications
    • any amount of voluntary excess you choose
    • whether you live near a crime or accident hot spot
    • any named drivers who will also be using your vehicle
    • what you typically use your car for, e.g. travelling for work
    • where you typically park overnight, e.g. off-road or in a garage
    • policy extras, such as enhanced legal assistance, courtesy cars, breakdown cover etc

    When shopping around for car insurance, make sure you check the terms and conditions carefully. Price is an important factor, but also make sure you’re getting the level of cover you’re most comfortable with.

  • One factor which can affect your annual car insurance premium, is the insurance group for your vehicle. There are 50 insurance groups, 1 being the least expensive, and 50 being the priciest.

    Insurance groups are defined based on a range of things, including:

    • known model faults
    • the market value for your car
    • security features or modifications
    • repair cost, ease and availability of parts
    • vehicle engine size, age, mileage and condition
  • The policyholder is the person who took out a car insurance policy, and would be covered in the event of a claim.

    Cover can be extended to include named drivers, who will also be using the vehicle. For example, if your partner uses your car occasionally, or one of your children is learning to drive.

    Adding named drivers can increase your premium costs, especially if you’re adding a less experienced and higher risk driver to your policy.

    Make sure you check the policy terms and conditions to understand what’s covered, both for yourself, and any named drivers.

  • It’s important to check the details of your car insurance policy before you drive outside of the UK.

    In terms of Halifax car insurance, whether you choose comprehensive, third-party fire and theft, or just third party, you’re covered when driving in:

    • Great Britain, including Northern Ireland
    • Throughout the European Union and European Economic Area
    • The Channel Islands
    • The Isle of Man
    • Switzerland

    If you’re planning to drive further afield, you’ll need to arrange additional cover.

Halifax Car Finance

If you’re in the market to buy a new or used car, or to switch your current car finance, have a look at our Halifax Car Finance options.

Find out more about car finance

Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.