Halifax Phone Insurance: Navigating Policy Changes

Halifax offers mobile phone insurance under its contents insurance and combined buildings and contents insurance plans. You can also get phone insurance through its Ultimate Reward Current Account, which offers cover for breakdown, accidental damage, loss and theft up to £2,000. This account has a monthly fee of £17. To change your phone insurance with Halifax, you can either change your insurance plan or switch to the Ultimate Reward Current Account.

How to get mobile phone insurance from Halifax

There are two main ways to get mobile phone insurance from Halifax: through a home and contents insurance policy, or through the Ultimate Reward Current Account.

Through a home and contents insurance policy

Many people may already have mobile phone insurance through their home and contents insurance policy. Home insurance is mandatory when you buy or rent a home, and it often covers gadgets, electrical goods, and other items of significant monetary value. One of the main advantages of home and contents insurance is that it automatically covers every device in the home, without the need for multiple policies.

Halifax mobile phone insurance is offered under both their contents insurance and their combined buildings and contents insurance plans. With Home Insurance Select, your belongings that cost less than £2,000 each are covered while at home as part of your overall contents cover. If you have items worth more than £2,000 each, you’ll need to specify these on your policy. Items worth between £2,000 and £20,000 are covered as well, but you need to specify them on your policy.

One disadvantage of insuring your mobile phone through a home and contents policy is that, if you make a claim, your premiums will go up across the entire policy, which could cost you more money in the long run. Additionally, contents insurance only covers items within your home, so your device will not be protected when you leave the house.

Through the Ultimate Reward Current Account

Another way to get Halifax mobile phone insurance is through the Ultimate Reward Current Account. This account offers mobile phone insurance through Assurant General Insurance Ltd, which will provide a repair or replacement device if your phone is stolen, lost, or damaged. This policy also covers mechanical breakdown, with a maximum value of £2,000 per claim. The account is linked to one person and usually covers one device, but if you get a joint bank account, it can cover up to two smartphones.

The main disadvantage of this option is the cost of maintaining the account, which is £17.00 per month. Additionally, there is a £100 excess fee on each claim, and you can only make a maximum of two claims within a 12-month period.

Halifax mobile phone insurance vs. other providers

Halifax offers mobile phone insurance as part of its Ultimate Reward Current Account. This account has a monthly fee of £17 and includes other benefits such as travel insurance, breakdown cover, and home emergency cover. The mobile phone insurance covers one phone per account holder and a maximum of two phones for joint accounts. It provides cover for breakdown, accidental damage, loss, and theft up to £2,000. An excess of £100 is payable on all successful claims, and there is a limit of two successful claims per account holder per year.

Halifax's mobile phone insurance can also be obtained through its Home Insurance Select plan, which covers belongings worth less than £2,000 each as part of the overall contents cover. Items worth more than £2,000 must be specified on the policy. Silver and Gold cover options include accidental damage protection for gadgets.

When compared to other providers, such as Mobile Phone Insurance Direct (MPID) and Insurance2go, Halifax's mobile phone insurance has some similarities and differences. Like Halifax, both MPID and Insurance2go offer repair or replacement services for insured devices. MPID offers three different price tiers, including Essential, Plus, and Premium, with monthly costs ranging from £8.99 for an iPhone 13 Pro. Insurance2go also has multiple plan options with varying levels of cover.

One key difference is that Halifax's insurance, when obtained through the Ultimate Reward Current Account, covers only one device per account holder, while MPID and Insurance2go can cover multiple devices. Additionally, MPID and Insurance2go offer unlimited claims per year, whereas Halifax has a limit of two. Excess fees also vary, with Halifax charging £100, MPID starting at £40 for high-end devices, and Insurance2go having variable excess amounts based on the make and model of the phone.

In summary, while Halifax's mobile phone insurance provides comprehensive cover, it may be more cost-effective to explore specialist providers like MPID and Insurance2go, especially if you have multiple devices or anticipate making more than two claims per year.

Halifax's Ultimate Reward Current Account

Benefits that come with this account:

• Worldwide multi-trip family travel insurance
• AA Breakdown Family Cover
• Mobile phone insurance
• Home emergency cover

Worldwide multi-trip family travel insurance

• Multi-trip travel cover for you (under the age of 71) and your family (subject to eligibility).
• Includes cancellation, medical costs and personal belongings cover.
• Cover for certain winter sports, golf trips and UK breaks.
• Administered by AWP Assistance UK Ltd (trading as Allianz Assistance) and underwritten by AWP P&C SA.

AA Breakdown Family Cover

• Covers Roadside Assistance and At Home in the UK, Channel Islands and Isle of Man.
• The policy offers cover for you and your eligible family members, whether driver or passenger in any eligible vehicle.
• Provided by Automobile Association Developments Limited (trading as AA Breakdown Services)

Mobile phone insurance

• Covers breakdown, accidental damage, loss and theft up to £2,000.
• Covers one phone per account holder.
• Arranged through Lifestyle Services Group Limited with a single insurance provider, Assurant General Insurance Limited

Home emergency cover

• For sudden unexpected incidents that need immediate action to make your home safe and secure.
• A qualified person chosen by the insurer will be provided to deal with the emergency.
• Cover is for up to £250 per claim, including VAT.
• Underwritten by Inter Partner Assistance S.A. (IPA)

Registering your phone with Halifax

Online Registration:

• Sign into your Halifax Online Banking account. If you don't have an Online Banking account, you can easily register for one on the Halifax website.
• Once signed in, locate and click on your Ultimate Reward Current Account.
• Click on the 'More actions' button next to your account.
• Select the 'Account Information and Benefits' option from the menu.
• Under the 'Account Information and Benefits' menu, click on 'View Account Benefits'.
• In the 'Mobile Phone Insurance' section, you will find the option to register your phone.
• Enter the required details, including the make and model of your phone, your service/network provider, and your International Mobile Equipment Identity (IMEI) number.
• Follow any additional instructions provided by Halifax to complete the registration process.

Phone Registration:

Alternatively, you can register your phone by calling Halifax at 0345 124 1400. Their phone lines are open Monday to Saturday from 8 am to 8 pm, and on Sunday from 9 am to 5 pm.

Important Information:

When registering your phone, make sure to have the following information ready:

• Make and model of your phone. You can usually find this information in the instruction manual or by removing the back cover and battery of your phone.
• Your service/network provider. This information is often displayed on your phone screen or can be found on your contract or monthly statement.
• Your International Mobile Equipment Identity (IMEI) number. You can find this by dialling #06# on your phone keypad.

Making a claim on your Halifax phone insurance

If you need to make a claim on your Halifax phone insurance, you can do so by calling 0345 124 1400. This number is available Monday to Friday, 8 am to 8 pm, Saturday and Sunday, 9 am to 6 pm. You can also make a claim online using the Halifax Mobile Banking app or through Online Banking. To do this, click on 'Account Benefits' under the 'Benefits and Extras' section and then select 'Home Emergency'.

Before making a claim, it is important to note that there are some exclusions to the insurance policy. Halifax phone insurance covers breakdown, accidental damage, loss, and theft up to £2,000. It covers one phone per account holder, with a maximum of two phones for joint accounts. An excess fee of £100 is payable on all successful claims. You are limited to two successful claims per account holder every 12 months.

Additionally, if your phone is lost or stolen, you must notify the police and your airtime provider as soon as possible. Not taking these steps could result in your claim being declined. When making a claim, you will need to provide the following information:

• Make and model of your phone
• Your service/network provider
• Your International Mobile Equipment Identity (IMEI) number

You can register your phone to make claiming easier. To do this, sign into Online Banking and select 'More Actions' next to your Ultimate Reward Current Account. Then, select 'Account Information and Benefits' and 'View Account Benefits'. Register your phone under the 'Mobile Phone Insurance' section.

Frequently asked questions