Halifax

Halifax and its sister brand Bank of Scotland have been owned by Lloyds Banking Group since 2009, when the group acquired HBOS. Other brands in the group include Bank of Scotland, Lloyds Bank and Birmingham Midshires.

As part of one of the largest banking groups in the UK, it is able to offer comprehensive banking services, from current accounts to mortgages, credit cards to personal loans.

Halifax doesn't just offer banking services, but also provides various insurance products. These are backed by several different underwriters.

Halifax's home insurance is underwritten by Lloyds Bank General Insurance, its travel insurance by AXA.

Its car insurance is arranged and administered by BISL Limited, which owns Budget Insurance and Dial Direct. Customers are passed on by BISL to one of a number of insurers on its panel.


Halifax
Gold ribbon: first place

Bank accounts

Ranked 13th of 27 providers reviewed.

Customer happiness 60%
Customer trust 49%
Complaints performance 89%
Transparency rating 57%
Fairer Finance score
Reviewed Spring 2018
64%

Car insurance

Ranked 37th of 52 providers reviewed.

Customer happiness 54%
Customer trust 46%
Complaints performance 73%
Transparency rating 38%
Fairer Finance score
Reviewed Spring 2018
53%
Gold ribbon: first place

Credit cards

Ranked 5th of 35 providers reviewed.

Customer happiness 59%
Customer trust 50%
Complaints performance 89%
Transparency rating 66%
Fairer Finance score
Reviewed Spring 2018
66%
Gold ribbon: first place

Home insurance

Ranked 16th of 47 providers reviewed.

Customer happiness 54%
Customer trust 46%
Complaints performance 71%
Transparency rating 65%
Fairer Finance score
Reviewed Spring 2018
59%

Mortgages

Ranked 11th of 21 providers reviewed.

Customer happiness 54%
Customer trust 44%
Complaints performance 81%
Transparency rating 50%
Fairer Finance score
Reviewed Spring 2018
57%
Gold ribbon: first place

Personal loans

Ranked 11th of 25 providers reviewed.

Customer happiness 62%
Customer trust 56%
Complaints performance 89%
Transparency rating 29%
Fairer Finance score
Reviewed Spring 2018
59%

Savings accounts

Ranked 21st of 36 providers reviewed.

Customer happiness 46%
Customer trust 48%
Complaints performance 89%
Transparency rating 57%
Fairer Finance score
Reviewed Spring 2018
60%

Car insurance

Halifax

Car Insurance

2 stars
Courtesy car for duration of repair i
Cover for keys/locks if lost i £0
Uninsured driver promise i
24hr helpline available i
Cover for keys/locks if stolen i £500
Cover for replacing original audio/visual equipment i Unlimited
Repairs guarantee (years) i 3
Windscreen repair excess i £0
Windscreen replacement excess i £75

Home insurance

Halifax

Home Insurance Ultimate

4 stars
Escape of water excess i £50
Matching sets i
Theft from outbuildings i £10,000
24hr helpline i
Alternative accommodation i £100,000
Cover for keys/locks if lost i Sum insured
Money in the home i £1,000
New for old i

Halifax

Home Insurance

3 stars
Escape of water excess i £350
Matching sets i
Theft from outbuildings i £0
24hr helpline i
Alternative accommodation i £30,000
Cover for keys/locks if lost i £250
Money in the home i £500
New for old i

Buildings insurance

Halifax

Home Insurance Ultimate

5 stars
Cover for keys/locks if lost i Sum insured
Matching sets i Unlimited
Trace & access i £5,000
24hr helpline i
Alternative accommodation cover limit i £100,000
Compulsory excess i £50
Cover for keys/locks if stolen i Sum insured
Escape of water excess i £50
Property owner liability i £2,000,000

Halifax

Home Insurance

4 stars
Cover for keys/locks if lost i £250
Matching sets i £500,000
Trace & access i £5,000
24hr helpline i
Alternative accommodation cover limit i £30,000
Compulsory excess i £100
Cover for keys/locks if stolen i £250
Escape of water excess i £350
Property owner liability i £1,000,000

Contents insurance

Halifax

Home Insurance Ultimate

4 stars
Cover for keys/locks if lost i Sum insured
Matching sets i
Theft from outbuildings i £10,000
24hr helpline i
Alternative accomodation i £30,000
Cover for keys/locks if stolen i Sum insured
Cycles included whilst in the home i £0
Money in the home i £1,000
New for old i

Halifax

Home Insurance

3 stars
Cover for keys/locks if lost i £250
Matching sets i
Theft from outbuildings i £0
24hr helpline i
Alternative accomodation i £20,000
Cover for keys/locks if stolen i £250
Cycles included whilst in the home i £0
Money in the home i £500
New for old i