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If you're looking for car insurance but you're not sure which type of cover you need, we're here to help. Compare car insurance cover levels side by side.
Choosing the right level of car insurance cover
Car insurance is essential if you are planning on driving and is a basic legal requirement. There are three levels of cover that you can choose from. It’s important to get the right level of cover to suit your needs.
You can choose from:
Electric cars
With the move to the next generation of vehicles, our car insurance ensures you will be covered and provides the following benefits:
- Battery cover- whether your battery is leased or owned we’ll cover accidental damage, fire and theft.
- Cable cover- your charging cable is covered for accidental damage, fire and theft.
A range of optional extras available and with RAC breakdown cover all vans carry charging units to help you get back on the road should you run out of charge.
Some manufacturers may require you to have separate battery insurance.
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.
Comprehensive
While this insurance tends to be the most expensive level of car insurance, it offers a greater level of protection.
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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 Insurance Product Information Document: Comprehensive (PDF, 117 KB).
Third Party, Fire and Theft
Third Party, Fire and Theft doesn’t cover damage to your car if you’re in an accident or incident. However, it does cover the cost of damage to a third party. This would include their car, property or any medical injuries to the third party as a result of the accident or incident. Your car will be insured in the event that it is stolen or damaged due to a theft or attempted theft. The car will also be covered if it is damaged due to a fire.
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What am I protected against? |
What’s covered? |
What’s not covered? |
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What am I protected against?
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What’s covered?
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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 Insurance Product Information Document: Third Party, Fire and Theft (PDF, 112 KB).
Third Party
Third Party Car Insurance is the minimum level of cover you can take out to enable you to drive on public roads. It meets the legal requirements and provides cover to third parties in the event of an accident or incident. However, it doesn’t cover any damage to your car or property.
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What am I protected against? |
What's covered? |
What's not covered? |
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What am I protected against?
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What's covered?
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What's not covered?
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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 Insurance Product Information Document: Third Party (PDF, 209KB).
Optional extras
Want extra peace of mind? You can upgrade your car insurance policy from our range of additional cover options. Here are the optional upgrades you can choose from:
- Guaranteed Replacement Car
- RAC Breakdown Cover
- Motor Legal Protection
- Keycare Cover
- No Claims Discount Protection (NCD)
Terms, conditions and exclusions apply to all benefits. In the event of a claim normal Excess applies and No Claims Discount may be affected.
Frequently asked questions
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The annual cost of car insurance is largely based on risk, and how likely you are to make a claim. For example, if you’ve recently passed your driving test and have limited experience on the road, your insurance premium will be higher than that of someone who has a long and claim-free driving record.
Factors which can affect the cost of car insurance include:
- Your age and occupation
- Your estimated annual mileage
- Any existing no claims discount
- Security features or vehicle modifications
- Any amount of voluntary excess you choose
- Whether you live near a crime or accident hot spot
- The insurance group, age and value of your vehicle
- Any named drivers who will also be using your vehicle
- What you generally use your car for. For example, travelling for work
- Where you usually park overnight. For example, off-road or in a garage
- Optional extras, such as enhanced legal assistance, guaranteed replacement car cover, breakdown cover etc
The level of cover you choose will also make a difference to the cost, whether you opt for third party cover, third party, fire and theft or comprehensive cover.
To find out how much car insurance could cost with Halifax, get a quote online.
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Some insurers offer multi-car insurance policies, allowing you to cover two or more cars under a single policy.
Halifax don’t offer a multi-car policy right now, but to find out how much car insurance could cost with us, get a quote online.
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Each insurer sets their own expiry period, but with Halifax your quote is valid for 30 days, giving you time to consider your options.
Of course, if you’re happy with the quote you’ve received, you might like to go ahead and purchase cover. The choice is yours.
Just be aware, if any of your details change between getting a quote and buying cover, your premium costs could go up or down. But it’s important to give accurate information at all times, ensuring you’ve got the level of cover you need.
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When you get a car insurance quote, the insurer will complete a ‘soft’ credit check, confirming that the information you’ve given is accurate.
The credit reference agencies Halifax use include TransUnion, Experian and Equifax.
Although they might be visible on your credit report, soft credit searches won’t affect your credit score, or your ability to get credit in future.
When you go on to buy cover though, depending on how you choose to pay, there is potential for impact to your credit score.
If you pay monthly, it’s like taking a 12-month loan with your insurer:
- You’ll pay a bit more to cover any interest
- A ‘hard’ credit check will be completed, which could affect your credit record
- If you don’t keep up with your payments your policy could be cancelled, and your credit score could be affected. If you’re experiencing financial difficult at any time, please get in touch so we can find a way to help
However, this is a flexible option. By sticking to your monthly payments, it could eventually help to improve your credit score.
If you pay annually, there’s no aspect of credit, so you could benefit from:
- a cheaper premium, with no interest to pay
- the option to pay with a credit or debit card
However, if you fall behind with your credit card or other bills as a result of paying your car insurance premium in one go, you could cause damage to your credit score.
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Most insurers offer the option to pay your annual car insurance premium in monthly instalments, subject to status, or as a single payment covering you for the year ahead.
Paying monthly
In essence, this involves taking a 12-month loan with your insurer. That means:
- you’ll pay a bit more to cover any interest
- your application will show on your credit record
- If you don’t keep up with your payments your policy could be cancelled, and your credit score could be affected. If you’re experiencing financial difficult at any time, please get in touch so we can find a way to help
However, spreading the cost of your car insurance could help you to:
- avoid a single hit to your monthly budget
- automate your payments with a simple Direct Debit
- improve your credit score over time by sticking to your payment plan
Paying annually
By paying for your car insurance in one go, you could benefit from:
- a cheaper premium, with no interest to pay
- the option to pay with a credit or debit card
Obviously, the main disadvantage is having to pay out a lump sum, all at once.
You should also be aware that, if you don’t keep up with your credit card and other payments, your credit score could be affected, and your accounts or policies could be restricted or cancelled.
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.