halifax bank Deals & Sales for July 2017 - HotUKDeals
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halifax bank Deals & Discounts

66
421

{£20 cashback}on Halifax Clarity Card. Great for withdrawing cash and spending abroad with NO fees whatsoever

49
£0.00 @ halifax bank
Halifax is now offering £20 Cashback for people who take out the card from today until 3rd September 2017. All you have to do is spend ANY amount abroad in foreign currency by 30th September 2017 Gre… Read More
Halifax is now offering £20 Cashback for people who take out the card from today until 3rd September 2017. All you have to do is spend ANY amount abroad in foreign currency by 30th September 2017 Gre…
Anon32 Avatar1w, 6h agoFound 1 week, 6 hours ago49 Comments
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mickael28
How could we put a card in credit? if it's like a payment from the linked account to the halifax credit card, how is that done? ie, I guess the credit card won't have a bank account and sort code, so where should the payment for the credit be sent?
It's called online banking!!
I've just opened a Clarity account and transferred 4k on to it for my holiday spending money in a couple of weeks.
karina80
I've been in Gran Canaria for 2 weeks, put card £1500 in credit, used to purchase & for cash ATM withdrawals, statement issued yesterday - no charges, they can't charge you debit interest when your in credit, exchange rate also beat they best available on the market and is better than bank staff get ( sister works in a bank ). I've been using it for 10 years with no complaints

How could we put a card in credit? if it's like a payment from the linked account to the halifax credit card, how is that done? ie, I guess the credit card won't have a bank account and sort code, so where should the payment for the credit be sent?
Mine and partners £20 cashbacks both became available about 3 weeks after we returned from our holiday. Bought 2 items whilst away (one on each card) for around £7 - £8 each (only paid in local currency , in this case dollars) ..... then £40 back , nice ;)

Edited By: rooney10 on Jul 19, 2017 08:29: Jul 19, 2017 08:29
salome83
That's the fee for withdrawals. The interest rate is over 24% that you'll pay that until you've cleared the balance. I got the earlier version that came me 0% interest until August 2018 on cash withdrawals aswell.

Mines the same. They extended the introductory period to 2022.
Click here

"Non–sterling transaction fee waived
from account opening until 31 August 2022

...And until 31 August 2022 you won't pay a non–sterling transaction fee on your foreign ATM withdrawals or spend.

Use your Barclaycard abroad and benefit from Visa's competitive exchange rate. Plus you can get up to 56 days interest-free on all non-sterling transactions. As long as you pay the main balance and any Purchase Plan instalments due on your statement each month, you will not incur interest from the date of the non-sterling transaction until it is repaid."

Edited By: Thar on Jul 17, 2017 20:22:
1037

£125 if you switch to a Halifax current account

150
£0.00 @ halifax bank
Halifax has upped its current account switching incentive to £125. It was previously £75 although it was £100 before that. To get the cash, new customers need to switch their current account to Hal… Read More
Halifax has upped its current account switching incentive to £125. It was previously £75 although it was £100 before that. To get the cash, new customers need to switch their current account to Hal…
writergirl74 Avatar1m, 2d agoFound 1 month, 2 days ago150 Comments
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antivocal
Just applied for this switch but was turned down?? Only offered me the basic current account. I work full time earning the median wage and have lived in the UK all my life. Confused to say the least, and now I cant apply again for another 30 days.

You'd better get your credit reports from all three credit reference agencies. (MSE has VG guide). Could be something adverse or mistaken on there to reject you outright.

And if you apply again, don't ask for an overdraft facility unless you need one. They look harder at those applications, since it's effectively a credit application.

£125 offer supposed to end on the 31st of course.

Edited By: woodface7 on Jul 18, 2017 01:05: Edited from the official Android app
Just applied for this switch but was turned down?? Only offered me the basic current account. I work full time earning the median wage and have lived in the UK all my life. Confused to say the least, and now I cant apply again for another 30 days.
I (tried) to open an account using the link but now need to physically go into one of the branches to show proof of identity and address. I've been with Barclays all my life and currently have 3 accounts with them but I only want to switch 1 account (made specifically for this reason). My question is at what point will I be asked which account I want to switch and how do I go on about with it? Thanks

Sorry if this is a stupid question but i've never done this before.
coss9
Do you mean to the Ultimate Reward account? I think yes, as it means more revenue for them.
Yes that's the one, good thanks for the reply
coss9
KB123456
Where does it say the minimum period that you must stay with the bank before you are able to switch, keeping the £125 cashback?
I don't think there is a minimum period - not from what I've read. Note that it will affect your credit rating if you continually switch bank accounts

I spoke to Halifax and there is no minimum period. Have been opening accounts and switching to different banks taking up the offer. Wasn't aware would affect credit rating though :(
263Expired

10% cash back at Morrisons with your Halifax card

18
£0.00 @ halifax bank
On my Halifax credit card I have 10% off on ALL purchases until 3rd July. Maximum reward £10 So only up to £100 spend but in as many transactions as you want or buy gift cards Read More
On my Halifax credit card I have 10% off on ALL purchases until 3rd July. Maximum reward £10 So only up to £100 spend but in as many transactions as you want or buy gift cards
emmatthew Avatar1m, 1w agoFound 1 month, 1 week ago18 Comments
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Thank you
Joint account, he got 5%, I got 10%.
AndyRoyd
Permanent 10% off, further 5% back and 1% to community via combination of Cooperative Card and NUS extra card, and you don't need to be a student: even cats qualify.
Rich_T
NUS discount does not work at Morrison's.
Yeah, that's why the Coop was specifically quoted in the comparison.
AndyRoyd
Permanent 10% off, further 5% back and 1% to community via combination of Cooperative Card and NUS extra card, and you don't need to be a student: even cats qualify.

NUS discount does not work at Morrison's.
rvcshart
Also acc specific .

Agreed this deal is account specific!
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54

(£20 cashback) Halifax Clarity Credit Card No Fees Worldwide!

9
£0.00 @ halifax bank
It's been posted before but you have to 3rd sept to apply and get £20 cashback so could get paid to go on holiday this year! Have to order something abroad! But this can be done from the UK i.e book a… Read More
It's been posted before but you have to 3rd sept to apply and get £20 cashback so could get paid to go on holiday this year! Have to order something abroad! But this can be done from the UK i.e book a…
Anon32 Avatar1m, 1w agoFound 1 month, 1 week ago9 Comments
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can this be used to buy stuff on amazon italy
JJMPSP
"SORRY, YOUR APPLICATION HAS BEEN DECLINED" :(


I have been trying to get a Halifax card for the past 5 years so it
would be a single account login for me. I have 10 year old URCA account,
savings account, have mortgage with them for past 3 years, yet each
time I apply, I get turned down. After being rejected just now, I
applied for Tesco 24 month 0% BT card and got approved £14,700 credit. I
am quite surprised cos my credit check is "Fair" on Experian.
timinata
Being charged interests even though I pay in full on time?
Must be cash your taking out
Being charged interests even though I pay in full on time?
Excellent card for travelling abroad with.
43

Longest No-Fee 0% Balance Transfer Up To 29 months Credit Card @ Halifax

4
£0.00 @ halifax bank
Longest No-Fee 0% Balance Transfer Up To 29 months Credit Card @ Halifax 0% for up to 29 months from account opening on balance transfers made in the first 90 days. Minimum £100 balance transfer. At… Read More
Longest No-Fee 0% Balance Transfer Up To 29 months Credit Card @ Halifax 0% for up to 29 months from account opening on balance transfers made in the first 90 days. Minimum £100 balance transfer. At…
itsvimal Avatar1m, 2w agoFound 1 month, 2 weeks ago4 Comments
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I'm getting paid £20 from Quidco for borrowing £8k, paying back under £300 a month. Car loan sorted. Amazing.
Heat added. Not sure why it's cold. flirt
voted hot :)
Odd voting - the longest fee free balance transfer in the market. Have some deserved heat.
533Expired

Halifax 33 months 0% interest on balance transfers, 0.59% fee, £20 cashback

39
£0.00 @ halifax bank
If you’ve got any existing credit card debt you want to switch to a new card, this deal from Halifax is worth checking out. This is what you get: • 33 months’ interest-free for balance transfers • Read More
If you’ve got any existing credit card debt you want to switch to a new card, this deal from Halifax is worth checking out. This is what you get: • 33 months’ interest-free for balance transfers •
writergirl74 Avatar2m, 3d agoFound 2 months, 3 days ago39 Comments
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pinacolada123
I had the £20 back on the 11th but no sign of fee reduction yet.

Same here had the £20 credited a few days ago. I know it says up to 90 days but I had hoped it would be a bit quicker.
snowbrow
Anyone had the cashback or fee reduction yet?Still waiting here ....
I had the £20 back on the 11th but no sign of fee reduction yet.
Anyone had the cashback or fee reduction yet?Still waiting here ....
I'd prefer the 28 months card with 0% fee, 5 months less but saves 0.6%
ukpaz
b33r
whelan189
soap_box
whelan189
what does this mean, i don't have any credit cards, what does free balance on 3k mean
Doesn't really apply to you since you don't have one. But It means if you owed on an existing card, you could move what you owed over to Halifax, and it wouldn't gain any interest for 33 months. You'd be charged 0.59% of the balance you transferred.
ahh okay I see, why don't people just take money out there savings?
Because then you can carry on earning interest (granted not much atm) on the savings and your debts or liability are not subject to any interest.
I have approx 10k of 'debt' on credit cards (non of which I'm paying any interest on). I have the money in savings (earning interest for me) to pay them off tomorrow if I wanted to but as the debt isn't costing me anything why would I? If any of my cards were about to reach the end of their deal I would be seriously considering this card to transfer 3k away again interest free for 33 months.
The other reason might be someone might not have any savings! Doing this will then save them a boat load of interest they would have paid on the card they are shifting the balance from. (they probably shouldn't have spent money they didn't have to begin with but that's a different story)

I did the same, just watch your credit rating if you are going to apply to remortgage any time soon.


My 'credit rating' according to the 3 different agencies is excellent but 'Credit ratings' are a load of made up rubbish. What matters to a lender is if you meet their lending criteria.
593

[£20 CASHBACK] Halifax Clarity Credit Card - (on any purchase abroad in foreign currency)

96
£0.00 @ halifax bank
Halifax is now offering £20 Cashback for people who take out the card from today until 3rd September 2017. All you have to do is spend ANY amount abroad in foreign currency by 30th September 2017. Read More
Halifax is now offering £20 Cashback for people who take out the card from today until 3rd September 2017. All you have to do is spend ANY amount abroad in foreign currency by 30th September 2017.
iLoveForums Avatar2m, 2w agoFound 2 months, 2 weeks ago96 Comments
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has anyone received this yet?
Just applied and got accepted £1500 limit. only needed around £500.

Going Amsterdam next month... but wanted to withdraw some cash too maybe I'll order some cash before hand at the airport.
gerjomarty
Just back from Japan, I used the Monzo card for cash ATM withdrawals, and the Halifax Clarity card for card purchases. No fees at all, both using the Mastercard base rate for currency conversion. A great combination.

Hiya, is there a reason why it was not a good idea to use the Halifax Clarity card on ATM withdrawals? I read that there is no feed for that as well?

And, how can one apply for a Monzo card? I just opened their page and there was a link to an Android app, I couldn't see links to apply for a card...
rprp
sgc
eliHd452
i got monzo card recently, they are pretty good i used it in Greece. Don't use euro bank cash machine you will get charge commission
Yes - Monzo is much better if you intend to use cash points abroad as you're not subject to interest charges. Also has excellent security features. Another happy user.
If you need cash abroad with Clarity, just ring up and pay the balance as soon as you've taken cash out.

Better still, if you overpay the credit card before you withdraw the cash, then you can withdraw cash with no interest, no fees (except standard ATM fees - e.g. Las Vegas is $7.99 per withdrawal), and perfect exchange rate. Plus you are not restricted to a withdrawal amount if you've already overpaid, so you can withdraw as much cash as you have available. I doubt this offer is for existing card holders but it would be a nice bonus if it is as I spent abroad last month.
iLoveForums
Its missing because they never had one, i'm sure one person on here would have realised when they clicked through rather then a lot of people leaving a message about it, anyway they may have got some enquires in regards to this and decided to update. Thanks anyway

Fair enough. I noticed quite a few people here were still wondering about it. Heated btw.
-135

Halifax Cashback Extras Bonus starting with their Everyday Current (Reward ) Account

10
£0.00 @ halifax bank
Earn cashback when you shop using your debit card with Halifax Bank Cashback Extras with their no fee everyday current account also called the reward account. Offers need to be activated by logging… Read More
Earn cashback when you shop using your debit card with Halifax Bank Cashback Extras with their no fee everyday current account also called the reward account. Offers need to be activated by logging…
fes37 Avatar2m, 3w agoFound 2 months, 3 weeks ago10 Comments
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I have this with a basic card cash account.
cdm22
Mine has loads of offers showing and not one of them is for a place I have used or will be ever likely to use!


totally agree, Halifax know what their customers spend their money on, yet they target us with cashback options which have no relevance to us... terrible service really, especially when you consider other banks like Barclays have smartspend and blue rewards which has loads of everyday high Street retailers you actually benefit from...p.s anyone ever aligned their debit card to TCB or QuidCo and found it better?? My only concern is security with these
Heat from me. I've used my card in 4 places Inwas going anyway this weekend and got £18 cash back as a result
It's valid with a Halifax Credit Card as well. Last week I had cashback from the Co-op, which was useful.
cdm22
Mine has loads of offers showing and not one of them is for a place I have used or will be ever likely to use!
Now again, it may prove to be lucrative. Keep an eye on it whenever you log in onto online banking
-166

Halifax offering £75.00 to switch current account

8
£75.00 @ halifax bank
Halifax is offering £75 cashback to switch accounts. Login online banking.you should see the message below: £75 FOR SWITCHING? YES, PLEASE Switch your current account to us using our Current Account… Read More
Halifax is offering £75 cashback to switch accounts. Login online banking.you should see the message below: £75 FOR SWITCHING? YES, PLEASE Switch your current account to us using our Current Account…
secretiveboss Avatar2m, 3w agoFound 2 months, 3 weeks ago8 Comments
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LOL
halifax switching is really easy. the reward was given even before the switch was complete. Have a decent mobile app. I found the bank prompt. Money payments are instant, as they use faster payments.
System down....no not more hacked customers....or they're just hacked off.....Banks can't live with or without ;)
After all the press with the system issues.... no thanks
ronnie_e
Its actually a reduction from £100, prior to that £125. I suppose finding reductions is what this site is about...?


Will soon be back up again as they try to recover from having their systems down all of yesterday
-80Expired

£5 cashback with Giff Gaff top ups of £10 or more with Halifax Bank Current Account Cashback Extras (selected accounts only)

7
£0.00 @ halifax bank
Earn £5 Cashback when you spend £10 or more on your next payment with giffgaff, maximum reward £10. Offer valid for up to two payments. giffgaff's flexible plans with no contracts give you the freedom… Read More
Earn £5 Cashback when you spend £10 or more on your next payment with giffgaff, maximum reward £10. Offer valid for up to two payments. giffgaff's flexible plans with no contracts give you the freedom…
fes37 Avatar2m, 4w agoFound 2 months, 4 weeks ago7 Comments
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Found it on my account earlier today
ismaildeals123
fes37
not sure why people are voting cold. It's free money back of which you would have spent anyway with Giff Gaff top ups.
cause halifax bank is just a joke
literally last week i walked past halifax they closed doors infront of customers due to them being 'understaffed'
Regardless of them being a joke, i am not advising you to join them because of this deal, rather, if you're already a standard current account customer, this is a mere bonus.

Edited By: fes37 on Apr 29, 2017 13:36: Mistake
fes37
not sure why people are voting cold. It's free money back of which you would have spent anyway with Giff Gaff top ups.
cause halifax bank is just a joke
literally last week i walked past halifax they closed doors infront of customers due to them being 'understaffed'
not sure why people are voting cold. It's free money back of which you would have spent anyway with Giff Gaff top ups.
345

Halifax 30 Month 0% Purchase Credit Card + £20.20 Cashback

18
£0.00 @ halifax bank
- 0% for up to 30 months from account opening on purchases. - 0% interest for up to 6 months from account opening on balance transfers made in the first 90 days. Minimum £100 balance transfer. - 3… Read More
- 0% for up to 30 months from account opening on purchases. - 0% interest for up to 6 months from account opening on balance transfers made in the first 90 days. Minimum £100 balance transfer. - 3…
vassy1 Avatar3m, 1w agoFound 3 months, 1 week ago18 Comments
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Noob question here- If I buy a phone for 200 pounds does this mean i'll have 30 months to pay it off before any interest is added?

I just need a card for a credit rating, but just getting my head around the offers.
can i apply if I have paid up all my balance and closed account in last 21 days

Edited By: atifprince on Apr 15, 2017 01:23: typo error
ministrymason
Can I apply for this card when I have a Halifax Clarity Credit card? Can I have two credit cards with Halifax
Theoretically yes, it would be dependent on your current situation.
ministrymason
Can I apply for this card when I have a Halifax Clarity Credit card? Can I have two credit cards with Halifax


Yes you can
gazz33
Thanks vassy, heat added :)
Cheers Gazz :)
93

Use your Halifax Credit & Debit Card and get 20% discount at Costa Coffee

8
£0.00 @ halifax bank
Just logged into my Halifax mobile banking app and saw they are giving 20 % cashback for using the debit/credit card at Costa Coffee. Expires: 04 May 2017 Read More
Just logged into my Halifax mobile banking app and saw they are giving 20 % cashback for using the debit/credit card at Costa Coffee. Expires: 04 May 2017
Trending Avatar3m, 1w agoFound 3 months, 1 week ago8 Comments
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MrAlbert
do you need to use the app to get these?
No, just use your card for payment.
do you need to use the app to get these?
Isn't just buying the sugar separately more cost effective?
Mine shows offer expired 19th March.
Mine shows the offer expired 19th March.
1263

Halifax Clarity Credit Card - No fee to use it anywhere worldwide - No cash withdrawal fee - No annual fee

296
£0.00 @ halifax bank
One of the only remaining credit cards that don't charge you any extra for using it abroad - perfect exchange rate at no fee. One simple rate & no usage fees - however and wherever you use your Read More
One of the only remaining credit cards that don't charge you any extra for using it abroad - perfect exchange rate at no fee. One simple rate & no usage fees - however and wherever you use your
luvsadealdealdeal Avatar3m, 2w agoFound 3 months, 2 weeks ago296 Comments
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I believe you do get the spot rate (or very, very close to). Typically, I end up taking enough currency for a taxi ride to the hotel for each country I visit. Bear in mind that there is daily interest on cash withdrawals but if you have the Halifax app, you can see the pending transaction within a few hours so you can pay the amount off asap if you wish to.
teedot
I remember using this card to buy my canon dslr from Dubai international airport a couple of years ago - a steal paying in dirhams with the MasterCard exch rate!
I've used this card in many countries over the past 5 years and have always withdrawn cash from atms abroad too. Interesting comment about cash advance marker on credit profile - I've never had a problem but I wonder if that is because I pay the card off fully, sometimes even before the statement is generated?

Good comment. Do you happen to know if you get the spot rate when taking cash out? Doing a three week trip around various countries each with their own currency and would like a little cash to have in hand. If I buy currency online, I would have to buy more than I'd ideally like to buy as I'd use this card most of the time but good to have cash for small purchases for taxis, souvenirs, cup of coffee etc.
I remember using this card to buy my canon dslr from Dubai international airport a couple of years ago - a steal paying in dirhams with the MasterCard exch rate!

I've used this card in many countries over the past 5 years and have always withdrawn cash from atms abroad too. Interesting comment about cash advance marker on credit profile - I've never had a problem but I wonder if that is because I pay the card off fully, sometimes even before the statement is generated?
TirolForce165
The card is better for purchases or cash withdrawals if you pre load it beforehand or pay it off asp
In your situation I would preload it at the bank in the uk or pay off all transactions as you go soon as your sober enough to do so .


thanks for your help...any idea what kind of difference we looking at in the exchange rate?
The card is better for purchases or cash withdrawals if you pre load it beforehand or pay it off asp
In your situation I would preload it at the bank in the uk or pay off all transactions as you go soon as your sober enough to do so .
1421

Halifax 0% PURCHASE Credit Card for 30 Months, (2 & Half Years)!

196
£0.00 @ halifax bank
Props to MSE. This is a credit card that allows you to buy items on it for 30 months without any interest being added. NOTE: You must make a minimum repayment of 1% of the statement balance each… Read More
Props to MSE. This is a credit card that allows you to buy items on it for 30 months without any interest being added. NOTE: You must make a minimum repayment of 1% of the statement balance each…
herby247 Avatar5m, 6d agoFound 5 months, 6 days ago196 Comments
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Wish they had these a few years ago.. would have put everything onto it and build up a pot to pay off mortgage.. 0% balance transfer at end of mortgage..hey presto.. 0% mortgage for life
great deal
got rejected i work part-time permenant earn 20k annual:(

how long do i have to wait till i can reapply ?
ASG
marklp
Does anyone know if you can sign up for this if you already have a Halifax CC? I never use it but may do with this one being 0%
all depends on your credit score

I have their Clarity card and I got accepted right away on this one

Go for it :3

Edited By: AnitaBlaggit on Mar 11, 2017 12:19: 1
kiish
chip2388
I've just bought a house and moving in next month, so will be making a few big purchases therefore this card will be perfect for me.
Thanks OP.
Exactly what I was thinking of using it for :)

chip2388
I've just bought a house and moving in next month, so will be making a few big purchases therefore this card will be perfect for me.
Thanks OP.


Myself also! We are moving in a few weeks and need a new kitchen/flooring, paint etc - both myself and the hubby have applied for bigger spending power ;)


Edited By: AnitaBlaggit on Mar 11, 2017 12:19: 1
-131

Free £5 Starbucks e-voucher for Halifax motor insurance customers

1
£0.00 @ halifax bank
I received an email from Halifax today regarding 'Halifax motor rewards', The link provided takes you straight to the sign in page. You can register with your policy number if you haven't already d… Read More
I received an email from Halifax today regarding 'Halifax motor rewards', The link provided takes you straight to the sign in page. You can register with your policy number if you haven't already d…
sfaichney85 Avatar5m, 1w agoFound 5 months, 1 week ago1 Comment
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haven't received an email :(
-65Expired

Halifax 10% cashback until 26 Feb @ Co-op

44
£0.00 @ halifax bank
Login and activate! Read More
Login and activate!
seaniboy Avatar5m, 3w agoFound 5 months, 3 weeks ago44 Comments
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crumpetman
I cannot understand all the cold votes, if the offer is available to you then you can get some benefit from it by either doing the trick of getting cash back at the till or buy some gift cards. I bought a load of Amazon gift cards with 10% discount. Heat added seaniboy
Welcome :)
I cannot understand all the cold votes, if the offer is available to you then you can get some benefit from it by either doing the trick of getting cash back at the till or buy some gift cards. I bought a load of Amazon gift cards with 10% discount. Heat added seaniboy
ZeroAbbadon2
seaniboy
ZeroAbbadon2
I don't have it and I work in co-op so I shop there all the time :(
Apparently Halifax gives you offers where you shop according to the advert! Customers report otherwise.
I've never had a cash back reward for somewhere I've shipped before except maybe crown carveries once haha. I can't imagine they'd ever give cash back somewhere I shop all the time because I'd earn a load of money.
I get loads of offers to activate as my main current account is elsewhere though I do use the card for online purchasing, I have the Reward A/C for the 3.5% Help To Buy ISA and as I said I always have about 10 offers ? Go figure!
seaniboy
ZeroAbbadon2
I don't have it and I work in co-op so I shop there all the time :(
Apparently Halifax gives you offers where you shop according to the advert! Customers report otherwise.

I've never had a cash back reward for somewhere I've shipped before except maybe crown carveries once haha. I can't imagine they'd ever give cash back somewhere I shop all the time because I'd earn a load of money.
crumpetman
seaniboy
You can like me get this, a NUS 10% discount and 5% with a coop card (membership costs £1)
1/4 off a Copey shop! X)
The 5% cashback/reward with co-op membership card is only earned when purchasing co-op branded products, so if all you buy is regular brands then you will not earn any rewards.

Co-op is regular, you mean supposed 'well marketed' brands ;)

Most my purchasing is Co-op branded fresh fruit & veg.
252

saves £100s by checking your bank for home emergency cover - electric plus more £4.31 PM or free depending on insurance £51.72

52
£51.72 @ halifax bank
after seeimg a boiler cover deal .i will share this... i was paying £25 pm with home serve for boiler cover .i was sick of paying so much so i rang my bank to see what they can do and i couldn't be… Read More
after seeimg a boiler cover deal .i will share this... i was paying £25 pm with home serve for boiler cover .i was sick of paying so much so i rang my bank to see what they can do and i couldn't be…
ashmac Avatar5m, 4w agoFound 5 months, 4 weeks ago52 Comments
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We made the switch from the British Gas Cover to one of these last year and when our boiler developed a leak they've been good as gold covering the problem and it's only just within the £1000 limit I'd guess. You do need to still get the boiler regularly serviced to be covered and read the policies carefully, some don't cover boilers older than 15 years. But at £40 a year compared to £300 it's definitely a good deal if you're prepared to be assertive as Newbold says.
There's no excess either, but it does have to be an emergency. The big difference is nothing is covered until it actually breaks. A noisy pump would have got covered under BG, it's not now for example.
sam1970
Nothing beats a dedicated policy for what you need covered. These extras on home insurance policy are not worth the paper it is written on. I remember in 2010 getting stuck in Paris with the family (The volcanic ash problem). My carrier, Air France, refused to reimburse me for any of my costs after being stuck in Paris for a week after the end of my holiday. I was not worried as I had a legal cover on my home insurance policy (Cost £25 extra). I was wrong. The legal firm used by the insurer refused to take the case due to amount of work required for a small sum of money (around £2000) and instead they asked me to deal with the legal firm directly at a cost of £300 per hour. Obviously I refused, chased air France with the help of Air Transport users Council (free service) and the french aviation authority. It took nearl a year but eventually I got all my money back + refund of unused tickets (Came back via eurostar)+ compensation for my time. From that day I will never pay for this crap called legal protection

You can't conflate your one bad experience with a blanket statement all policies are worthless. And this is home emergency, not legal expense insurance. But as with any policy, whether you were treated correctly depends on the scope of cover. Most LEI excludes low value claims (under £200 in my policy). But yours was £2000 so there must have been deeper reasons they rejected cover, and I note you fear them suing you if you named them, which is an odd fear if you have nothing unfactual to state. I think I've seen policies say they can decline claims if uneconomic/costs very disproportionate to likely damages. And all insurance has various exclusions, which can catch anyone out. But if your claim had a reasonable prospect of success, and was otherwise within scope, your solicitors wouldn't have been able to refuse. You could have complained. LEI like home emergency cover is a no-brainer. £2/300 ph for a solicitor covering up to £50,000 or in some cases 100,000 legal costs is the hottest deal you'll find. The down side is the panel firms can treat claims as a factory churning them through overworked staff, so you have to know how to manage them, which is a similar point to the one I made in my earlier post and similar to post 45.

Edited By: Pete525 on Jan 26, 2017 13:48
sam1970
[quote=Newbold]I would rather not mention their name just in case they read this and find a reason to sue me

What does their name rhyme as? ;-) It'll help other users here to be cautious when taking out a new policy.
Newbold
sam1970
Newbold
sam1970
Nothing beats a dedicated policy for what you need covered. These extras on home insurance policy are not worth the paper it is written on. I remember in 2010 getting stuck in Paris with the family (The volcanic ash problem). My carrier, Air France, refused to reimburse me for any of my costs after being stuck in Paris for a week after the end of my holiday. I was not worried as I had a legal cover on my home insurance policy (Cost £25 extra). I was wrong. The legal firm used by the insurer refused to take the case due to amount of work required for a small sum of money (around £2000) and instead they asked me to deal with the legal firm directly at a cost of £300 per hour. Obviously I refused, chased air France with the help of Air Transport users Council (free service) and the french aviation authority. It took nearl a year but eventually I got all my money back + refund of unused tickets (Came back via eurostar)+ compensation for my time. From that day I will never pay for this crap called legal protection
Would that have been DAS by any chance?
Honestly I am not sure as I change insurer every year (Look for best quote) but I think it was either Esure or More than (They have the same parent company anyway)
I meant the legal protection firm, rather than the insurer. Most of them tend to use DAS because it's cheap for them - but it has a pretty dire reputation when it comes to dealing with claims.
No..it was a big national firm. I would rather not mention their name just in case they read this and find a reason to sue me
happydeals
MisterMadHatter
It's always good to include Home Emergency cover in your home insurance. I pay around £11/month for Buildings and Contents insurance with Together Mutual, and that includes £1,000 Home Emergency cover. If you ever need to claim, just make out that the damage could worsen and create even more damage as the insurance company would rather fix a small problem before it develops into a bigger problem, like a water leak that could damage floors, ceilings, possessions, etc. You just have to be 'careful' how you report these 'home emergencies' to them.
Does the call out for home emergencies affect the No Claim Discount?
Usually the Home Emergency is an add-on product and is therefore a separate policy to the B&C policy. However, some insurers might include Home Emergency as part of the Buildings and Contents policy. In which case the current or future insurer may consider the claim at renewal, since you're claiming against the B&C policy. Always check with the insurer but in most cases it's separate.
310

Halifax 26/26 Credit Card - 26 months @ 0% On Balance Transfers & Purchases & £20 Quidco

15
£0.00 @ halifax bank
Not for everyone, depends what your after. If you're like me, then it could be for you. Are you actively using a credit card for purchases, into its limit, incurring interest? Then switch to this Read More
Not for everyone, depends what your after. If you're like me, then it could be for you. Are you actively using a credit card for purchases, into its limit, incurring interest? Then switch to this
oliphillips Avatar6m, 1w agoFound 6 months, 1 week ago15 Comments
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I normally pay off my balance every month , for me, my credit card is mainly for accumulating avios points
oliphillips
kabs
I recently received the one with same length of time but under 1% fee, no major difference unless it's going to be a few thousand you're going to transfer.
was that for BT and Purchases?
Got the same deal as Sid, only gave me about £200 for purchases after transfer, intention in the first place.
mikerr
0% deal isn't much good to me (I pay whole lot off every month)
But will get it for the £20 quidco...

Dont pay it off every month, pay the minimum and put the difference in a savings account instead then at the end of the interest free period pay the card off and pocket whatever interest you have made
I got 32 months transfer at 0.7% fee and purchases 12 months both at 0%. Got offer in the post and but better via tcb, both with £20 back direct from Halifax as well. On mse top cards. Approved immediately.

Edited By: Sid Harper on Jan 14, 2017 18:27: E
0% deal isn't much good to me (I pay whole lot off every month)
But will get it for the £20 quidco...
653

32m 0% Balance Transfer Credit Card, just 0.7% fee, £20 TCB/Quidco AND Halifax £20 cashback @ Halifax

48
£0.00 @ halifax bank
Link - https://www.halifax.co.uk/creditcards/low-fee-offer/ A great deal to get your Xmas spending into shape - 0% for 32 months Just 0.7% fee £20 cashback They also do 43 months Read More
Link - https://www.halifax.co.uk/creditcards/low-fee-offer/ A great deal to get your Xmas spending into shape - 0% for 32 months Just 0.7% fee £20 cashback They also do 43 months
samspud Avatar6m, 1w agoFound 6 months, 1 week ago48 Comments
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mikemod
Now gone to confirmed ??


yeah same confirmed, declined now confirmed

I don't think I will hold my breath for it :)
Now gone to confirmed ??
cliosport65
mikemod
My TCB from Halifax just got declined even though I have transferred £1500+ as required. :(
how do you know it was declined, did it track correctly?

http://www.thewindinglane.co.uk/images/misc/1.jpg

Strange as there are supposed to give you 90 days to transfer the money.
mikemod
My TCB from Halifax just got declined even though I have transferred £1500+ as required. :(
Mine is the same declined for no reason at all :(:(
mikemod
My TCB from Halifax just got declined even though I have transferred £1500+ as required. :(


how do you know it was declined, did it track correctly?
353

Longest ever 43 Month 0% Balance Transfer Credit Card @ Halifax

17
£0.00 @ halifax bank
Longest ever 0% Get your Xmas finances in order with a 43 month Balance Transfer at Halifax. 3.5% fee with 0.22% being refunded making it 3.28% fee They also have a 32 month 0% with just a 0… Read More
Longest ever 0% Get your Xmas finances in order with a 43 month Balance Transfer at Halifax. 3.5% fee with 0.22% being refunded making it 3.28% fee They also have a 32 month 0% with just a 0…
samspud Avatar6m, 1w agoFound 6 months, 1 week ago17 Comments
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robinok
Thank-you samspud. I applied for the 32 month card and computer said yes.........so far!! So, so far, so good!! Thank-you for taking the time to post for the benefit of others.


No probs mate
Thank-you samspud. I applied for the 32 month card and computer said yes.........so far!! So, so far, so good!! Thank-you for taking the time to post for the benefit of others.

Edited By: robinok on Jan 11, 2017 23:46
zoso1313
clsss
or 0% forever with no fees if you just resist the urge to spend money you don't have yet.. if I could go back 20 years and give my younger self some great life advice it would be to never take out loans or creditcards to fund a lifestyle I've not earned yet.. it's just a massive chain around your neck for years and years keeping you subscribed to the rat race and limiting your life choices.


i bet you're fun at parties.


ask your Mum, she would know.
quidstretchy
jr007
Thanks OP, got the 43% :)
Somebody has earned their commission today


lol I meant 43 months. Cheaper than my car loan.

Also many people take loans e.g. Homes, cars to better their lifestyles and disciplined enough to pay it off.

Kind regards,

Halifax CEO :{
clsss
or 0% forever with no fees if you just resist the urge to spend money you don't have yet.. if I could go back 20 years and give my younger self some great life advice it would be to never take out loans or creditcards to fund a lifestyle I've not earned yet.. it's just a massive chain around your neck for years and years keeping you subscribed to the rat race and limiting your life choices.


i bet you're fun at parties.