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Car insurance
Get a new Halifax car insurance quote, or pick up where you left off.
Halifax Car Insurance is underwritten by a panel of insurers and is arranged and administered by BISL Limited. When getting a quote online you’ll be taken to BISL Limited’s online site with a new privacy and cookie policy.
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Find the right cover for you
Important information: Terms, conditions and exclusions apply to all benefits. In the event of a claim, normal Excess applies and No Claims Discount may be affected. For more information please refer to the relevant Insurance Product Information Document: Comprehensive (PDF, 118KB), Third Party (PDF, 209KB), Third Party, Fire & Theft (PDF, 113KB).
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Frequently asked questions
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Every car belongs to 1 of 50 insurance groups, characterised by factors including:
- known model faults
- the market value for your car
- security features or modifications
- repair cost, ease and availability of parts
- vehicle engine size, age, mileage and condition
Cars in insurance group 1 are the least expensive to insure. Those in group 50 cost the most.
There are services available online where you can look up your vehicle’s insurance group. You'll just need to give your licence plate number, or the make and model of your car.
These insurance groups are defined by the Association of British Insurers (ABI)
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Car insurance excess is the amount you'll need to pay towards a claim against your policy. An insurer will pay any remaining costs covered by an insurance policy.
Here’s a really simple example. Imagine you’ve had an accident, causing £2,500 worth of damage to your vehicle. Your car insurance policy needs you to pay an excess of £250, which means your insurer will cover the remaining amount of £2,250.
There are a few types of excess, and more than one could apply to each claim, depending on the terms of your car insurance policy. The most common are:
- standard or compulsory excess – as the name suggests, this is the standard amount you’ll need to pay towards any car insurance claim and is set by your insurer
- voluntary excess – many insurers will allow you to set a higher excess amount. Although this could reduce your annual car insurance premium, you’ll need to pay more if you need to make a claim. Make sure you’re realistic about what you could afford if you had an accident
- age excess – younger drivers could be offered car insurance with a higher excess amount, based on their level of driving experience and insurer insight about accident statistics
- glass or windscreen excess – some policies include a separate excess amount covering glass claims
Excess costs can vary, depending on the policy features you choose. Generally:
- increasing your excess amount could reduce your annual premium
- reducing your excess might increase your car insurance premium
Check the terms of your car insurance policy carefully, so you understand any excess costs associated with making a claim.
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The Association of British Insurers (ABI) regularly publishes results from their Motor Insurance Premium Tracker. In the first quarter of 2022, they recorded an average annual cost of £416 for comprehensive motor insurance.
The actual cost could be a lot higher, depending on a range of factors, including your age, location, driving experience and the car you’re looking to insure.
To find out how much car insurance could cost with Halifax, get a quote online.
Source: ABI news article 05.05.2022
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Your insurer will award you with a no claims discount for every claim-free year of motoring. These can accumulate over the years, and could potentially earn you a discount on your future insurance premium costs. This is also known as a no claims bonus.
Even after a single year you could save up to 25%. After 5 years, you could save as much as 39%.*
*source: BISL Limited annual average as at March 2022You can take your no claims discount with you if you switch to another insurer. Your new car insurance provider is likely to ask for proof of your no claims, which you can usually get from your previous insurer.
How to give us your proof of no claims
If you have an accident:
- you’re likely to lose some or all of your no claims discount if the accident was your fault
- your no claims discount might be unaffected if another driver was at fault and the cost of repairs can be recovered from their insurer
- your no claims discount might be protected if you have comprehensive car insurance and it’s clear that you weren’t at fault. That could apply, even if the other driver is uninsured
For an extra charge, most insurers offer the option to protect your no claims discount, even if you needed to claim.
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Yes, you can. Car insurance from Halifax also covers a few extras, specific to electric vehicles:
- Battery cover – whether your battery is leased or owned, we cover accidental damage, fire and theft
- Charging cable cover – again, you’ll be covered for accidental damage, fire and theft
Terms, conditions and exclusions apply to all benefits.
Just be aware, some manufacturers might expect you to buy separate battery insurance.
Optional extras might also be available, such as breakdown cover or legal protection, which you can add to your policy for an additional cost to your annual premium.
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.