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Want extra peace of mind?
- RAC Breakdown Cover
- Guaranteed Replacement Car
- Motor Legal Protection
- Keycare Cover
- No Claims Discount Protection (NCD)
Terms, conditions and exclusions apply.
Get a Car Insurance quote today
If you'd prefer to talk to us, call us on 0330 0189 539.
Lines are open Monday-Friday 8am-8pm, Saturday 8am-6pm, Sunday and Bank Holidays 10am-4pm.
Guaranteed Replacement Car
Add Guaranteed Replacement Car to cover you if your car is stolen or written off, or is no longer driveable following a fire, theft or accident claim.
Rely on all this:
A car quickly supplied from a leading national network as long as you claim within 14 days. Use of car for up to 28 days:
- when yours has been stolen or written off
- whilst waiting for a courtesy car to become available
- when yours is not driveable following a fire, theft or accident claim.
How is Guaranteed Replacement Car cover different to courtesy car cover?
- Courtesy car cover won’t be available to you if your car is stolen or written off, it is dependent on a car being available from the garage and is only available with Comprehensive cover.
- A refundable fuel deposit required when obtaining the replacement car. Only available in the UK or Isle of Man.
Terms, conditions and exclusions apply to all benefits. Please refer to the Guaranteed Replacement Car cover Insurance Product Information Document (PDF, 57.9 KB) for more information.
Guaranteed Replacement Car Cover is administered by ACM and underwritten by ARAG plc, a Coverholder of the insurer ARAG Allegemeine Vesicherungs - AG Branch United Kingdom.
Get RAC Breakdown Cover
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. Plus, all vans carry electric charging units should you run out of charge.
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 for breakdown service in Europe. Plus, all vans carry electric charging units should you run out charge.
- 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.
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Cover level |
Insurance Product Information Documents |
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Cover level RAC Roadside Assistance |
Insurance Product Information Documents |
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Cover level RAC Roadside Assistance + Recovery |
Insurance Product Information Documents |
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Cover level RAC Roadside Assistance + Recovery & At Home |
Insurance Product Information Documents |
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Cover level RAC Roadside Assistance + Recovery, At Home & Onward Travel |
Insurance Product Information Documents |
RAC Breakdown Cover is provided by RAC Motoring Services.
Terms, conditions and exclusions apply to all benefits. For more information please refer to the relevant Insurance Product Information Document.
Motor Legal Protection
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 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 to all benefits. Please refer to the Motor Legal Protection (PDF, 58.6 KB) Insurance Product Information Document.
Keycare Cover
Add Keycare cover 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 to all benefits. Please refer to the Keycare (PDF, 115 KB) Insurance Product information Document.
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.
Already an existing Halifax 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 My Account.
If you'd prefer to speak to us, you can also add extra cover options over the phone.
Call us on 0344 209 0471
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.
Frequently asked questions
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If you use your car for work-related travel, other than commuting to your normal workplace, make sure your insurance will cover you if you have an accident. Common examples include:
- Attending conferences or meetings
- Travel between offices or clients
- Visiting customers
- Errands for work
This could increase the cost of your premium, simply because you’re likely to be covering more miles, at busier times and on unfamiliar roads.
There are three types of insurance for business use, so pick the one which best suits your needs:
- Class 1 provides cover for travel between offices, or occasional client visits
- Class 2 offers the same cover as class 1, but includes a named driver, usually from the same business
- Class 3 provides cover for drivers who travel regularly for work, such as reps or salesmen
Each of these options also cover social, leisure and domestic use. However, they won’t cover using your car as a taxi, or to make deliveries, so you might need specialist insurance in those situations.
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Most insurers offer the option to protect your no claims discount, even if you need to claim. Just be aware that extra costs will usually apply.
Halifax offer protection as an optional extra for customers with four+ years of no claims discount.
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Car insurance can vary significantly between policies and providers, so the best way to check what’s covered is to review your policy documents.
You can access and manage your Halifax car insurance policy online at any time using My Account. This includes the option to view, download or print your policy documents.
We only offer a courtesy car with our comprehensive cover, but you can add a guaranteed replacement car to any of our policies for an additional cost.
Courtesy cars are supplied by the garage repairing the vehicle as a result of a claim, subject to availability
Terms, conditions and exclusions apply. You won’t qualify if your car is stolen or written off.
If you have guaranteed replacement car cover, we’ll provide a car from a leading national rental network, whether your car is stolen, written off, is un-driveable or you’re simply waiting for a courtesy car to become available.
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It’s important to check the details of your car insurance policy before you drive outside 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 extra cover. Terms, conditions and exclusions apply to all levels of cover.
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Car insurance can vary significantly between policies and providers, so the best way to check what’s covered is to review your policy documents.
You can access and manage your Halifax car insurance policy online at any time using My Account. This includes the option to view, download or print your policy documents.
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.