I chose Halifax (actually Lloyds in a rubber mask) to insure my home. Why? It’s a brand that I associate with my job, my home mortgage… so, I trusted them. I felt like I was keeping my family safe. But I was wrong, and they took advantage of me. Don’t be like me. Hear my story.I had paid my premiums to them for years and felt safe in my home because of it. Then one winter there was a fierce storm. Water started coming in through the windows! I had the usual hassle getting joiners and builders but the verdict was it was going to be expensive, thousands of pounds. I told Halifax and… the tone changed. Every conversation thereafter, they were on autopilot. They knew what I didn’t: my claim would be refused. I knew nothing about insurance really. A man came and looked very quickly at the windows, took around 100 high quality photos, and prepared a report that just said “not storm damage.” Basically, if you have storm damage, the insurers can just claim it was wear and tear and as long as one of their paid men will sign the box, that’s it. Even the ombudsman can’t help (no surprises there, I suppose). They’re there to protect the business not the consumer. The truth is, these knowledgeable people that are supposed to protect us, aren’t protecting us. They’re protecting themselves, and they close ranks and wait for you to go away and die.Bottom like: don’t trust your bank with your home insurance. Get the cheapest deal you can from anywhere, ignore the brand name and reputation, it isn’t worth the paper it’s printed on. Oh, and make sure you get lots of photos of your home BEFORE a storm hits, otherwise they’ll do to you what they did to me.
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It is named after the town of Halifax, West Yorkshire where it was founded as a building society in 1853.