Home insurance excesses

An excess is the amount that you have to pay towards the cost of a claim

For example, storm damage to your roof costs £1,000 to repair, and your policy has an excess of £100. You’ll pay £100, and you can claim for £900. This is the cost of the repairs minus the excess.

Your policy excesses depend on the covers and the excess amounts you’ve selected, unless we say otherwise.

It’s important to know:

A high excess amount - This might mean you won’t be able to claim for lower value events, like accidental damage. Make sure the excess you select meets your needs.

If you already have your cover with us - We’ve shown the excess you’ll pay for claims under the different levels of cover we offer. If you’re already insured with us, see your policy schedule for the excesses that apply to you.

Claims for one event - If you have buildings and contents insurance with us, you may need to claim under both for a single event. For example, if water from a burst pipe damages both your ceiling and soft furnishings. You’ll only pay one excess – the higher excess.

Halifax Home Insurance is underwritten by Lloyds Bank General Insurance Limited (204373), and arranged and administered by Lloyds Bank Insurance Services Limited (968406), which is the agent for the insurer.  Both companies are registered in England and Wales at 25 Gresham Street, London, EC2V 7HN.  Lloyds Bank Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FRN 310738).  Lloyds Bank General Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 202091).    

Legal Expenses Cover is administered by Arc Legal Assistance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 305958), and underwritten by Royal & Sun Alliance Insurance Limited, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 202323).