Car Insurance Optional Extras.

Get extra peace of mind with our optional extras. You can choose from a range of optional extras to add to your Car Insurance policy.

Children playing on phone

Want extra peace of mind?

Terms, conditions and exclusions apply.

Get a Car Insurance quote today Sign in and get a quote

If you'd prefer to talk to us, call us on 0330 0189 539.

Lines are open Mon to Fri 8am - 9pm, Sat and public holidays 9am - 5pm, Sun 10am - 4pm


Get RAC Breakdown Cover from £29.99

RAC Breakdown Cover ranges from basic roadside assistance, to more extensive options that also provide cover at home. There's even cover options for breakdown service in Europe. RAC Breakdown Cover starts from just £29.99 per year.

RAC Breakdown Cover offers different levels of cover you can choose from, including

  • RAC Roadside Assistance - assistance at the roadside if you’ve broken down more than a quarter of a mile from home
  • At Home - assistance if your vehicle doesn’t start and is within a quarter of a mile of your home
  • Breakdown Recovery - get transport for you, your vehicle and up to seven passengers to your home or any other (single) UK destination, if the RAC can’t arrange a prompt local repair
  • Onward Travel - includes car hire, payment for public transport and even hotel accommodation if you need it to complete your journey
  • EU Cover - covers you for travel in European countries.

Back to the top

Cover level

Cost of cover per year

RAC Roadside Assistance

£29.99

RAC Roadside Assistance + Recovery

£61.99

RAC Roadside Assistance + At Home

£71.99

RAC Roadside Assistance + Recovery & At Home

£81.99

RAC Roadside Assistance + Recovery, At Home & Onward Travel

£91.99

RAC Roadside Assistance + Recovery, At Home, Onwards Travel & EU

£142.99

RAC Roadside Assistance


Cost of cover per year

£29.99

RAC Roadside Assistance + Recovery


Cost of cover per year

£61.99

RAC Roadside Assistance + At Home


Cost of cover per year

£71.99

RAC Roadside Assistance + Recovery & At Home


Cost of cover per year

£81.99

RAC Roadside Assistance + Recovery, At Home & Onward Travel


Cost of cover per year

£91.99

RAC Roadside Assistance + Recovery, At Home, Onwards Travel & EU


Cost of cover per year

£142.99

RAC Breakdown Cover is provided by RAC Motoring Services.

Terms, conditions and exclusions apply. Please refer to the policy document for details of what is and isn’t covered.

RAC Breakdown Cover Policy (PDF opens in a new window).

Back to the top


 Motor Legal Protection from £30.99

Did you know that as the driver, both you and your passengers could be left out of pocket following an accident? Our Motor Legal Protection 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. This cover only costs £30.99 per year.

This could help with:

  • Obtaining compensation for personal injury and medical expenses
  • recovering losses resulting from the accident e.g. 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.

Motor Legal Protections is administered by ACM ULR Limited. The Legal Expenses element is underwritten by RAC Insurance Ltd.

Terms, conditions and exclusions apply. Please refer to policy document for details of what is and isn’t covered.

Motor Legal Protection policy (PDF opens in a new window)

Back to the top


Keycare Cover from £9.49

Add Keycare cover for £9.49 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, car hire for up to 3 days and replacement keys (within the annual limit per policy year)
  • 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 who live at your address
  • no excess to pay, and Keycare claims won’t affect your no claims discount
  • £10 reward paid by Keycare to anyone who finds and returns your keys.

Underwritten by Ageas Insurance Limited.

Terms, conditions and exclusions apply. Please refer to the policy documents for details of what is and isn't covered.

Keycare policy booklet (PDF opens in a new window).

Keycare policy summary (PDF opens in a new window).

Back to the top


No Claims Discount Protection

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 allows you to make two fault claims within a three year period without it reducing the NCD applied to your policy premium. However, it doesn't 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.

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

Terms, conditions and exclusions apply.

Back to the top


Ready to get a car insurance quote?

Get a car insurance quote from us today for as little as £237*. If you're an Online Banking customer, you'll get a 10% discount when you quote and buy online in the first year. Discounts will be automatically applied.

Get a quote  Sign in and get a quote Register for Online Banking

*40% of new Halifax Car Insurance customers paid as little as £237 between June 2019 and November 2019. Excludes optional extras. Includes 10% discount where eligible.


Call to get a quote

If you'd prefer to talk to us, call us on 0330 0189 539. Lines are open Mon to Fri 8am - 9pm, Sat and public holidays 9am - 5pm, Sun 10am - 4pm.


Already an existing Car Insurance customer?

Get even more protection. You can add additional cover options to your existing Car Insurance policy at any time. As an existing customer, you can make changes to your car insurance policy online using the Self -Service Centre.

Sign in to the Self-Service Centre Register  online for the Self-Service Centre

If you'd prefer to speak to us, you can also add extra cover options over the phone.

Call us on 0344 2090471

Lines are open Monday to Friday 8am – 9pm, Saturday and public holidays 9am - 5pm and Sunday 10am - 4pm


 Important information: changes made to your policy may result in a change in premium.


Important information

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.