HOME INSURANCE EXCESSES.

    An excess is a pre-agreed amount that you contribute towards the cost of a claim. For example, if you have storm damage to your roof that will cost £1,000 to repair and your policy has an excess of £100, you’ll be asked to pay the excess of £100 but can claim for £900 (the cost minus the excess). The excesses that apply to your policy will vary, depending on the covers you have selected and the excess amounts you’ve chosen.

    The excess you choose will apply to all covers you select unless otherwise stated below. It’s important to note that by choosing a high excess level, you’ll restrict your ability to claim on some elements of your cover, such as accidental damage, where typical claims tend to be of lower value. Please ensure that your selected excess fully meets your needs before proceeding.

    The tables below provide information on excesses payable under the different levels of cover we offer. If you have already purchased your cover with us your Policy Schedule will detail the excesses that will apply specifically to you.

    If you've got both Buildings and Contents insurance with us and you need to claim under both for a single event, for example if a burst pipe damages both your ceiling and soft furnishings, you will only pay one excess (whichever is highest) for that claim.

    Subsidence, heave, landslip and escape of water cover.

    Subsidence, heave, landslip and escape of water cover.

    Excess payable for Home Insurance

    Excess payable for Home Insurance Ultimate

    For any subsidence, heave and landslip claims

    £1,000

    £1,000

    For any escape of water claims

    £500 or your selected buildings excess, whichever is higher

    Your selected buildings excess

    For any subsidence, heave and landslip claims


    Excess payable for Home Insurance

    £1,000

    Excess payable for Home Insurance Ultimate

    £1,000

    For any escape of water claims


    Excess payable for Home Insurance

    £500 or your selected buildings excess, whichever is higher

    Excess payable for Home Insurance Ultimate

    Your selected buildings excess

    If you have a claim for subsidence, heave, landslip or escape of water then you will only have to pay the excess shown above, not any of the excesses below.

    Private residence cover.

    Private residence cover.

    Excess payable for Home Insurance

    Excess payable for Home Insurance Ultimate

    Private Residence Cover
    (including any claims for Replacement of Sets or Accidental Damage Cover)

    Your selected buildings excess, except for the following items in this table

    Your selected buildings excess, except for the following items in this table

    Replacement locks and keys

    £25

    No excess to pay

    Buildings – property owner’s liability

    No excess to pay

    No excess to pay

    Private Residence Cover
    (including any claims for Replacement of Sets or Accidental Damage Cover)


    Excess payable for Home Insurance

    Your selected buildings excess, except for the following items in this table

    Excess payable for Home Insurance Ultimate

    Your selected buildings excess, except for the following items in this table

    Replacement locks and keys


    Excess payable for Home Insurance

    £25

    Excess payable for Home Insurance Ultimate

    No excess to pay

    Buildings – property owner’s liability


    Excess payable for Home Insurance

    No excess to pay

    Excess payable for Home Insurance Ultimate

    No excess to pay

    Outbuildings cover.

    Outbuildings cover

    Excess payable for Home Insurance

    Excess payable for Home Insurance Ultimate

    Outbuildings Cover
    (including any claims for Replacement of Sets or Accidental Damage Cover)

    Your selected buildings excess, except for the following items in this table

    Your selected buildings excess, except for the following items in this table

    Replacement locks and keys

    £25

    No excess to pay

    Outbuildings Cover
    (including any claims for Replacement of Sets or Accidental Damage Cover)


    Excess payable for Home Insurance

    Your selected buildings excess, except for the following items in this table

    Excess payable for Home Insurance Ultimate

    Your selected buildings excess, except for the following items in this table

    Replacement locks and keys


    Excess payable for Home Insurance

    £25

    Excess payable for Home Insurance Ultimate

    No excess to pay

    Escape of water cover.

    Escape of water cover

    Excess payable for Home Insurance

    Excess payable for Home Insurance Ultimate

    For any escape of water claims

    £500 or your selected contents excess, whichever is higher

    Your selected contents excess

    For any escape of water claims


    Excess payable for Home Insurance

    £500 or your selected contents excess, whichever is higher

    Excess payable for Home Insurance Ultimate

    Your selected contents excess

    If you have a claim for escape of water, then you will only have to pay the excess shown above, not any of the below excesses.

    Private Residence Cover.

    Private Residence Cover.

    Excess payable for Home Insurance

    Excess payable for Home Insurance Ultimate

    Private Residence Cover

    Your selected contents excess, except for the following items in this table

    Your selected contents excess, except for the following items in this table

    Replacement locks and keys

    £25

    No excess to pay

    Deeds and documents

    £25

    £25

    Loss of water, domestic heating oil and gas

    £25

    £25

    Money, cashcards, credit and debit cards

    £25

    £25

    Freezer contents

    £25

    £25

    Visitors’ belongings

    £25

    £25

    Contents – occupier’s and public liability cover including:

    No excess to pay

    No excess to pay

    -Occupier’s and public liability

    No excess to pay

    No excess to pay

    -Employer’s liability

    No excess to pay

    No excess to pay

    -Tenant’s liability

    No excess to pay

    No excess to pay

    Private Residence Cover


    Excess payable for Home Insurance

    Your selected contents excess, except for the following items in this table

    Excess payable for Home Insurance Ultimate

    Your selected contents excess, except for the following items in this table

    Replacement locks and keys


    Excess payable for Home Insurance

    £25

    Excess payable for Home Insurance Ultimate

    No excess to pay

    Deeds and documents


    Excess payable for Home Insurance

    £25

    Excess payable for Home Insurance Ultimate

    £25

    Loss of water, domestic heating oil and gas


    Excess payable for Home Insurance

    £25

    Excess payable for Home Insurance Ultimate

    £25

    Money, cashcards, credit and debit cards


    Excess payable for Home Insurance

    £25

    Excess payable for Home Insurance Ultimate

    £25

    Freezer contents


    Excess payable for Home Insurance

    £25

    Excess payable for Home Insurance Ultimate

    £25

    Visitors’ belongings


    Excess payable for Home Insurance

    £25

    Excess payable for Home Insurance Ultimate

    £25

    Contents – occupier’s and public liability cover including:


    Excess payable for Home Insurance

    No excess to pay

    Excess payable for Home Insurance Ultimate

    No excess to pay

    -Occupier’s and public liability


    Excess payable for Home Insurance

    No excess to pay

    Excess payable for Home Insurance Ultimate

    No excess to pay

    -Employer’s liability


    Excess payable for Home Insurance

    No excess to pay

    Excess payable for Home Insurance Ultimate

    No excess to pay

    -Tenant’s liability


    Excess payable for Home Insurance

    No excess to pay

    Excess payable for Home Insurance Ultimate

    No excess to pay

    Contents In Outbuildings And In The Open Cover.

    Contents In Outbuildings And In The Open Cover.

    Excess payable for Home Insurance

    Excess payable for Home Insurance Ultimate

    Contents In Outbuildings And In The Open Cover

    Your selected contents excess, except for the following items in this table

    Your selected contents excess, except for the following items in this table

    Replacement locks and keys

    £25

    No excess to pay

    Deeds and documents

    £25

    £25

    Loss of water, domestic heating oil and gas

    £25

    £25

    Money, cashcards, credit and debit cards

    £25

    £25

    Freezer contents

    £25

    £25

    Visitors’ belongings

    £25

    £25

    Growing trees, plants, shrubs and garden equipment in the open

    £25

    £25

    Contents In Outbuildings And In The Open Cover


    Excess payable for Home Insurance

    Your selected contents excess, except for the following items in this table

    Excess payable for Home Insurance Ultimate

    Your selected contents excess, except for the following items in this table

    Replacement locks and keys


    Excess payable for Home Insurance

    £25

    Excess payable for Home Insurance Ultimate

    No excess to pay

    Deeds and documents


    Excess payable for Home Insurance

    £25

    Excess payable for Home Insurance Ultimate

    £25

    Loss of water, domestic heating oil and gas


    Excess payable for Home Insurance

    £25

    Excess payable for Home Insurance Ultimate

    £25

    Money, cashcards, credit and debit cards


    Excess payable for Home Insurance

    £25

    Excess payable for Home Insurance Ultimate

    £25

    Freezer contents


    Excess payable for Home Insurance

    £25

    Excess payable for Home Insurance Ultimate

    £25

    Visitors’ belongings


    Excess payable for Home Insurance

    £25

    Excess payable for Home Insurance Ultimate

    £25

    Growing trees, plants, shrubs and garden equipment in the open


    Excess payable for Home Insurance

    £25

    Excess payable for Home Insurance Ultimate

    £25

    Personal Belongings Away From The Home Cover.

    Personal Belongings Away From The Home Cover.

    Excess payable for Home Insurance

    Excess payable for Home Insurance Ultimate

    Personal Belongings Away From The Home Cover

    Your selected contents excess, except for the following items in this table

    Your selected contents excess, except for the following items in this table

    Replacement locks and keys

    £25

    No excess to pay

    Money, cashcards, credit and debit cards

    £25

    £25

    Personal Belongings Away From The Home Cover


    Excess payable for Home Insurance

    Your selected contents excess, except for the following items in this table

    Excess payable for Home Insurance Ultimate

    Your selected contents excess, except for the following items in this table

    Replacement locks and keys


    Excess payable for Home Insurance

    £25

    Excess payable for Home Insurance Ultimate

    No excess to pay

    Money, cashcards, credit and debit cards


    Excess payable for Home Insurance

    £25

    Excess payable for Home Insurance Ultimate

    £25

    Student Contents Away From The Home Cover.

    Student Contents Away From The Home Cover.

    Excess payable for Home Insurance

    Excess payable for Home Insurance Ultimate

    Student Contents Away From The Home Cover

    Your selected contents excess, except for the following items in this table

    Your selected contents excess, except for the following items in this table

    Replacement locks and keys

    £25

    No excess to pay

    Money, cashcards, credit and debit cards

    £25

    £25

    Student Contents Away From The Home Cover


    Excess payable for Home Insurance

    Your selected contents excess, except for the following items in this table

    Excess payable for Home Insurance Ultimate

    Your selected contents excess, except for the following items in this table

    Replacement locks and keys


    Excess payable for Home Insurance

    £25

    Excess payable for Home Insurance Ultimate

    No excess to pay

    Money, cashcards, credit and debit cards


    Excess payable for Home Insurance

    £25

    Excess payable for Home Insurance Ultimate

    £25

    Pedal Cycle Cover.

    Pedal Cycle Cover.

    Excess payable for Home Insurance

    Excess payable for Home Insurance Ultimate

    Pedal Cycle Cover

    Your selected contents excess

    Your selected contents excess

    Pedal Cycle Cover


    Excess payable for Home Insurance

    Your selected contents excess

    Excess payable for Home Insurance Ultimate

    Your selected contents excess

    Specified Items Cover.

    Specified Items Cover.

    Excess payable for Home Insurance

    Excess payable for Home Insurance Ultimate

    Specified Items Cover

    Your selected contents excess

    Your selected contents excess

    Specified Items Cover


    Excess payable for Home Insurance

    Your selected contents excess

    Excess payable for Home Insurance Ultimate

    Your selected contents excess

    Additional Cover.

    Additional Cover.

    Excess payable for Home Insurance

    Excess payable for Home Insurance Ultimate

    Legal Expenses Cover

    No excess to pay except for: Property Protection - £250 for any legal nuisance or trespass claim.

    No excess to pay except for: Property Protection - £250 for any legal nuisance or trespass claim.

    Property protection

    £250 for any legal nuisance or trespass claim

    £250 for any legal nuisance or trespass claim

    Legal Expenses Cover


    Excess payable for Home Insurance

    No excess to pay except for: Property Protection - £250 for any legal nuisance or trespass claim.

    Excess payable for Home Insurance Ultimate

    No excess to pay except for: Property Protection - £250 for any legal nuisance or trespass claim.

    Property protection


    Excess payable for Home Insurance

    £250 for any legal nuisance or trespass claim

    Excess payable for Home Insurance Ultimate

    £250 for any legal nuisance or trespass claim

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    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.