Halifax Home Insurance £50 money back + £50 quidco
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Halifax Home Insurance £50 money back + £50 quidco

72
Found 4th Aug 2014
Halifax giving £50 money back and £50 cashback via quidco. Mine cashback tracked with no problem. Got £100 off on market beating quote. Not bad

+ Halifax won't charge you any interest if you choose to pay monthly. Amount is same for one off payment and monthly payment.

Note: This is for Building + Contents only. I would recommend using compare prices site and get an idea. For small number of customers, it may be cheaper elsewhere which is normal with any insurance.

72 Comments

Banned

You can get £50 cashback from Quidco by taking out a new combined buildings & contents policy + £50 money back from the Halifax.

So it's not available for contents only etc, but still a decent deal I guess

Great offer ...

But also depends on the price and type of cover and who it is underwritten by.

Still getting some heat though

Perfect timing for me OP, many thanks, will have to have a look at this

Thanks - worked out £2 Per month cheaper for me based on my renewal premium. Cancelled current provider and took out this. £50 from Halifax and hopefully another £50 from Quidco -Happy days

Will look at this tonight thanks

Insurance due tomorrow, I will check it out

Original Poster

Yes it is for only building and content combined policy.
Another plus is that you dont need to pay any interest if monthly payment option is selected. Why pay one off if it does not cost extra on monthly option

Maybe worth a check as I have almost everything else with Halifax. Thanks heat added

Online system won't do quotes for childminders, unemployed or students!

Shop around before you get too excited. I renewed last week with Aviva at £130 and £62 top cash back. Just tried Halifax out of curiosity, and even with £100 back it was more expensive on like for like quote.

cov4theprem

Shop around before you get too excited. I renewed last week with Aviva … Shop around before you get too excited. I renewed last week with Aviva at £130 and £62 top cash back. Just tried Halifax out of curiosity, and even with £100 back it was more expensive on like for like quote.



I saw that as well, will shop around first.

cov4theprem

Shop around before you get too excited. I renewed last week with Aviva … Shop around before you get too excited. I renewed last week with Aviva at £130 and £62 top cash back. Just tried Halifax out of curiosity, and even with £100 back it was more expensive on like for like quote.



Don't think you can get cashback on renewal, only for new customers!

I bought a policy from Halifax last week making use of this deal and hopfuly after all the cashback the final cost will be £180..Aviva wanted £460 for the same cover

cov4theprem

Shop around before you get too excited. I renewed last week with Aviva … Shop around before you get too excited. I renewed last week with Aviva at £130 and £62 top cash back. Just tried Halifax out of curiosity, and even with £100 back it was more expensive on like for like quote.



All cashback will be issued by TopCashback and not Aviva. If you have any queries regarding cashback or payments, please raise an enquiry withTopCashback directly and not Aviva Please note, only new customers are eligible for cashback, cashback does not apply to renewals.

A question to the experts I always worry about under-insuring my contents and I am confused about Kitchen units..some class them under building and others under content insurance...If lets say I had a house fire and needed replacing every thing will replacing kitchen (Not white goods) come under building or content insurance?

A question to the experts I always worry about under-insuring my contents and I am confused about Kitchen units..some class them under building and others under content insurance...If lets say I had a house fire and needed replacing every thing will replacing kitchen (Not white goods) come under building or content insurance?

ie10

Don't think you can get cashback on renewal, only for new customers!



I was with Churchill before hence is a new policy.

Thanks for this. Mine expires end of this month so if Halifax offer a decent quote/level of cover I will be interested

It's very expensive for me but you can pay monthly at no extra cost and the cover is pretty good. My renewal isn't until about Feb so no good for me though.

Always same with insurance, competitive for some, not for others.

sam1970

A question to the experts I always worry about under-insuring my … A question to the experts I always worry about under-insuring my contents and I am confused about Kitchen units..some class them under building and others under content insurance...If lets say I had a house fire and needed replacing every thing will replacing kitchen (Not white goods) come under building or content insurance?



If you buy a new house it will have fitted Kitchen units so therefore in most cases they would come under Buildings.

Yes, this is for combined insurance only as I just took out contents insurance with Halifax and got no discount or cashback. Maybe you could put combined or buildings and contents only in the header?

I don't know how on earth this deal has been voted hot.

People are in different circumstances, different houses etc etc. Halifax cant beat all of them! seems stupid

The Fox

If you buy a new house it will have fitted Kitchen units so therefore in … If you buy a new house it will have fitted Kitchen units so therefore in most cases they would come under Buildings.



You actually need to check the small print! - throwaway comment just saying "buildings"

Original Poster

janner66

Yes, this is for combined insurance only as I just took out contents … Yes, this is for combined insurance only as I just took out contents insurance with Halifax and got no discount or cashback. Maybe you could put combined or buildings and contents only in the header?



I have added this in description. Sorry it was quick post at work

usetheforceluke

You actually need to check the small print! - throwaway comment just … You actually need to check the small print! - throwaway comment just saying "buildings"



You need to check the small print in all contracts.
I was just saying most Insurance companies class Fixed Kitchen units as part of the Buildings.

sam1970

A question to the experts I always worry about under-insuring my … A question to the experts I always worry about under-insuring my contents and I am confused about Kitchen units..some class them under building and others under content insurance...If lets say I had a house fire and needed replacing every thing will replacing kitchen (Not white goods) come under building or content insurance?



The general rule of thumb to check if it is buildings or contents. If you were to turn the house upside down and shake it if the item is loose and falls out its contents, if not its buildings. A bit oversimplified but thats the explanation used to guide customers who ask, so kitchen units which are fixed down one way or another are Buildings. With built in kitchen appliances a lot of companies will cover them on buildings or contents as they are a bit of a grey area.
Edited by: "flashyphotos" 4th Aug 2014

usetheforceluke

You actually need to check the small print! - throwaway comment just … You actually need to check the small print! - throwaway comment just saying "buildings"



From financial Ombudsman site for those who are interested:

home insurance - "buildings" or "contents"-

People often use the terms "home insurance" or "household insurance" in a general way to refer to insurance that covers any aspect of their home and belongings. However, these policies are usually split into separate sections - "buildings" and "contents" - and not all policyholders will be covered under both sections. It is also possible to buy a "contents-only" or a "buildings-only" policy.

While many homeowners buy both types of cover, some have only one. There may be a very good reason for this. Typically, for example, people who live in blocks of flats will only need to buy a policy to cover their contents. This is because the landlord will be responsible for arranging buildings insurance to cover the entire block. And some policyholders obtain contents insurance from one insurer and buildings insurance from another, because this may work out cheaper than insuring both contents and buildings together.

Even if a policyholder has both contents and buildings insurance, the scope of cover may vary so that, for example, an accidental damage claim might succeed under one section but not under the other. It is confusion about the nature and scope of cover that leads to disputes. The onus is on firms to ensure that the cover they sell is suitable for the needs and resources of their policyholders and that the policyholders understand what they are buying.

buildings insurance covers the structure of the building, plus permanent "fixtures and fittings" such as baths, fitted kitchens etc. The test is - can it reasonably be removed and taken to another home- If it can, then it is part of the "contents" and it will not generally be covered by a buildings policy. Buildings policies usually include outbuildings - garages, garden sheds etc.

contents insurance covers your possessions - your television set, furniture, clothes etc. In other words, just about everything you would take with you if you moved.


BUT, on the same page there is a case study:

Council tenant - contents policy only - escape of water - whether kitchen units were "fixtures and fittings" or personal possessions

Mrs C, a council tenant, bought some new kitchen units and had them fitted at her own expense. When the units were damaged by an escape of water, she put in a claim to the firm under her "contents-only" policy. However, the firm told her it could not meet the claim. It said the damaged units were not "contents" but "fixtures and fittings", so they would only be covered under a buildings policy.

Mrs C complained that this was unfair, since the units were her personal possessions, not part of the property. When the firm rejected her complaint, she came to us.

complaint upheld
We agreed with Mrs C that the kitchen units, though fitted, could fairly be regarded as her personal possessions. They belonged to her, not to the council. The units could easily be removed without substantially affecting the fabric of the building. And Mrs C said that if she ever moved house, she would remove the units and take them with her. This seemed entirely feasible and we therefore asked the firm to meet the claim.

Edited by: "frakison" 4th Aug 2014

My advice is to have a joint buildings and contents policy, my mates house burned down and the insurance companies just argued over what was buildings and what was contents.

But it's a great way to save a few quid if your house never burns down

Banned

terriclarkfan

Online system won't do quotes for childminders, unemployed or students!



Why would it?

Childminders are working unpredictable and random hours and income, it can't be relied on as stable income. In addition people who fill their homes with random kids are naturally a very high risk of making claims.

Unemployed obviously have little or no income so would likely rely on insurance to replace items, high risk.

Students are obviously broke apparently and laden with debt, and live a lifestyle involving lots of alcohol and parties, high risk.

348 degrees, i presume no one has looked at Halifaxs uncompetitve prices lol

£300 they wanted from me in Feb, Axa after cashback was £112

think i'll pass

very costly

Original Poster

dodgymix

348 degrees, i presume no one has looked at Halifaxs uncompetitve prices … 348 degrees, i presume no one has looked at Halifaxs uncompetitve prices lol£300 they wanted from me in Feb, Axa after cashback was £112think i'll pass

In my case prices on halifax was cheapest. After cashback £80

cov4theprem

I was with Churchill before hence is a new policy.



" I renewed last week with Aviva at £130 and £62 top cash back" --> Hence, the comment!

great!! cheers!

ie10

" I renewed last week with Aviva at £130 and £62 top cash back" -- H … " I renewed last week with Aviva at £130 and £62 top cash back" --> Hence, the comment!


ie10

" I renewed last week with Aviva at £130 and £62 top cash back" -- H … " I renewed last week with Aviva at £130 and £62 top cash back" --> Hence, the comment!



Renewed (definition): to increase the life of or replace something old.

I know your original message was trying to help. My mail was maybe ambiguous but not incorrect.

Pointless if it costs twice a normal company

Existing customers?Doubt it but I’ve been doing it for years now (ex-staff) and always been a lot better than most (think it was by £30 last year after the next best after cash back). Actually a nice incentive to remain a customer!

Oh, and cancelling after you have received the cash back will get you black marked/listed on their system I believe.

Original Poster

foes4you

Pointless if it costs twice a normal company


Only if!!! Have you tried. I don't think it is double. Best quote i got was £150 with £35 cashback. Halifax offered it for £180 and worked out £80 after money back + cashback

Additional help:

Carpet = contents

Laminate -
If stuck/glued down or under skirting or a border then it's classed as buildings

If it's only click together and not stuck down then it's contents

If you don't own your home - insurance companies generally need to see your tenancy agreement where if would state what you are liable for - so your contents pol could potentially also cover you for fixed units and things such as redecoration wallpaper/paint after an insured incident i.e escape of water

Always read your booklets folks

Will Halifax insure if you have 6 bedrooms?
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