Important Information
You can buy Bank of Scotland Home Insurance online, by phone or in any Bank of Scotland branch. We (and any member of our Group) will keep any commission which we (or they) get in connection with any insurance which we (or they) arrange.
Bank of Scotland Home Insurance is underwritten by St Andrew's Insurance plc. Halifax General Insurance Services Limited, registered no 2791889, registered office, Trinity Road, Halifax, West Yorkshire HX1 2RG and St Andrew's Insurance plc, registered no 3104671, registered office, 33 Old Broad Street, London, EC2N 1HZ are authorised and regulated by the Financial Services Authority.
Home Emergency is underwritten by Inter Partner Assistance. Legal Expenses Insurance is underwritten by DAS Legal Expenses Insurance Company Limited, DAS House, Quay Side, Temple Back, BS1 6NH.
The law of the United Kingdom says that both parties to a contract can choose the law that will apply to the contract.
The contract of insurance with the insurer will be governed by English law unless it says differently anywhere else in the contract or we or the insurers agree differently with you before you enter into the contract.
If you have a complaint about your insurance we can give you further details of the complaints procedure. You should contact us on 08456 00 07 73 or write to Halifax General Insurance Services Limited, Trinity Road, Halifax HX1 2RG for details. Further information is also set out in your policy booklet. The complaints procedure will not affect your legal rights.
All insurances referred to on this site are subject to conditions and exclusions. For further information, a specimen copy of the home insurance policy is available by contacting us 08456 00 07 73 or write to Halifax General Insurance Services Limited, Trinity Road, Halifax HX1 2RG.
We may monitor and record telephone calls to help us provide a high level of service.
Halifax General Insurance Services Limited and Halifax can amend or withdraw any of the offers detailed on this site without notice.
Halifax General Insurance Services Limited is part of our group of companies. Registered in England No. 2791889. Registered Office: Trinity Road, Halifax, West Yorkshire HX1 2RG.
This website contains links to sites operated by persons outside our group of companies. We are not responsible for the privacy principles, content or the products and services provided through these sites.
Halifax Travel Insurance is administered by FirstAssist Insurance Services Limited and underwritten by Great Lakes Reinsurance (UK) PLC. Halifax General Insurance Services Limited, registered no 2791889, registered office, Trinity Road, Halifax, West Yorkshire HX1 2RG, FirstAssist Insurance Services Limited, registered in England and Wales no. 04617110, registered office Marshall’s Court, Marshall’s Road, Sutton, Surrey SM1 4DU and Great Lakes Reinsurance (UK) PLC, registered in England and Wales no. 2189462, registered office Plantation Place, 30 Fenchurch Street, London EC3M 3AJ are authorised and regulated by the Financial Services Authority.
The law of the United Kingdom says that both parties to a contract can choose the law that will apply to the contract.
The contract of insurance with the insurer will be governed by English law unless it says differently anywhere else in the contract or we or the insurers agree differently with you before you enter into the contract.
If you have a complaint about your insurance we can give you further details of the complaints procedure. You should contact FirstAssist Insurance Services Ltd, Moneycentre, 1 Drake Circus, Plymouth, PL1 1QH for details. Further information is also set out in your policy booklet. The complaints procedure will not affect your legal rights.
All insurances referred to on this site are subject to conditions and exclusions. Further information and a specimen copy of the travel insurance policy is available on request from FirstAssist Insurance Services Ltd, Moneycentre, 1 Drake Circus, Plymouth, PL1 1QH.
We may monitor and record telephone calls to help us provide a high level of service.
Halifax General Insurance Services Limited and Halifax can amend or withdraw any of the offers detailed on this site without notice.
Halifax General Insurance Services Limited is part of our group of companies. Registered in England No. 2791889. Registered Office: Trinity Road, Halifax, West Yorkshire HX1 2RG.
This website contains links to sites operated by persons outside our group of companies. We are not responsible for the privacy principles, content or the products and services provided through these sites.
Car Insurance
Insurance arranged and administered by esure Services Limited. Registered in England No. 2135610 at The Observatory, Reigate, Surrey RH2 0SG. Authorised and regulated by the Financial Services Authority. Not available in Northern Ireland or the Channel Islands. Subject to normal acceptance criteria. Age restrictions apply. Calls may be monitored and recorded.
Calls will be recorded and may be monitored for training and/or quality purposes.
As long as you're aged between 18 and 59 years inclusive and permanently resident in the United Kingdom, you're guaranteed to be accepted - no medical is required.
Once the policy is in force, benefits are halved when you reach age 65 and the permanent total disablement benefit, which is covered under the Personal Accident Plan, will no longer apply. Cover ceases at the renewal date after you reach 75 years of age.
To protect your benefit payments from the effects of inflation, both the benefits and premium for the Personal Accident Plan and the Healthcare Cash Plan are increased by 5% of their initial amounts at renewal each year. A lower scale of benefits applies for insured children (details available on request).
You cannot keep in force or claim benefit under more than one policy administered by FirstAssist or underwritten by Royal & SunAlliance which has been issued under guaranteed acceptance, where a premium is paid and which provides the following benefits
death or disability benefits as a result of a bodily injury and/or
hospital confinement benefits or dental or optical care
This policy is administered by FirstAssist Insurance Services Limited and is underwritten by Great Lakes Reinsurance (UK) PLC.
FirstAssist Insurance Services Limited is registered in England and Wales No. 04617110.
Registered office at Marshall’s Court, Marshall’s Road, Sutton, Surrey SM1 4DU.
FirstAssist Insurance Services Limited is authorised and regulated by the Financial Services Authority. FSA Register No. is 310671.
Great Lakes Reinsurance (UK) PLC is registered in England and Wales No. 2189462.
Registered office at 1 Minster Court, Mincing Lane, London EC3R 7YH.
Great Lakes Reinsurance (UK) PLC is authorised and regulated by the Financial Services Authority. FSA Register No. is 202715.
You can check this information on the FSA’s Register by visiting the FSA’s website www.fsa.gov.uk/registeror by contacting the FSA on 0300 500 5000.
Halifax General Insurance Services Limited. Registered in England No. 2791889. Registered Office: Trinity Road, Halifax, West Yorkshire HX1 2RG. Authorised and regulated by the Financial Services Authority. Customers are introduced to BDML Connect Limited which arranges and administers Halifax Pet Insurance.
BDML Connect Limited, Registered No. 2785540. Registered in England at: The Connect Centre, Kingston Crescent, Portsmouth PO2 8QL. Authorised and regulated by the Financial Services Authority. BDML is part of the Capita Group Plc.
Halifax Pet Insurance is underwritten Agria International Forsakring AB. Registered in Sweden. Company registration number 516406-0542. Registered office: Tegeluddsvagen 11-13, Box 703 06, 107 23 Stockholm, Sweden. Authorised and regulated by the Finansinspektionen, the Swedish Financial Supervisory Authority and also regulated by the Financial Services Authority.
Genetic Testing Moratorium
In accordance with the Association of British Insurers' policy on genetics and insurance, you do not need to tell us about any genetic test result you have had if your application for insurance, taken together with any other insurance policies you already have, totals:
£500,000 or less for life insurance
£300,000 or less for critical illness, income protection or long term care insurance
Above these limits, you may need to tell us about certain genetic test results when applying for insurance. We will only be interested in genetic test results where the Government's Genetics and Insurance Committee (GAIC) has approved them for insurers to use.
To check if this applies to you, please visit the ABI website (new window), for details of the current position.
However, you must tell us if you either have a family history of, are experiencing symptons of, or are having treatment for, a medical condition including any genetically inherited condition.
Use of Negative Genetic Tests
If you wish to disclose to us a negative genetic test result, which shows that you have not inherited a genetic disorder, we will take this into account in setting your premium, providing your clinical geneticist confirms that the test result indicates a reduced risk of developing the inherited disease.
Halifax websites contain links to sites operated by persons outside the Halifax Group of companies. We are not responsible for the privacy principles, content or the products and services provided through these sites.
