Halifax Insurance: Is Your Phone Covered?

If you're wondering whether your phone is insured with Halifax, you've come to the right place. Halifax offers mobile phone insurance to customers with an Ultimate Reward Current Account. This account provides added-value services such as travel insurance, breakdown cover, and home emergency cover, alongside phone insurance. The monthly fee for maintaining the account is £17, and the phone insurance covers one phone per account holder and a maximum of two phones for joint accounts. It's important to note that you need to register your phone with Halifax by providing details such as the IMEI and SIM numbers. Halifax also offers home and contents insurance, which can include coverage for personal gadgets such as smartphones.

Halifax's Ultimate Reward Account

To make a claim, you must register your phone by providing the IMEI and SIM numbers. After seven days, you are insured to make a claim. The process involves calling Halifax, who will take the make, model, and serial number of the phone. They will then send a collection bag and a form to fill in the details and arrange to send the phone for repair. Halifax aims to assess your claim within one working day, and if accepted, your phone will be repaired within two working days. There is an excess fee of £100 for Apple iPhones.

While the Ultimate Reward Account provides convenient phone insurance, there are some disadvantages. The monthly fee is significantly higher than insuring your phone through a specialist provider. Additionally, the account has a £100 excess fee per claim, and you are limited to making a maximum of two claims within 12 months.

It is worth considering the alternatives and comparing the benefits and costs of different insurance options to find the best value and coverage for your needs.

Home Insurance Select

Halifax offers mobile phone insurance through its Home Insurance Select policy. This policy covers your belongings that cost less than £2,000 each while they are at home as part of your overall contents cover. If you have items worth more than £2,000, you need to specify them on your policy. The Home Insurance Select policy is underwritten by Lloyds Bank General Insurance Limited.

You can also get Halifax mobile phone insurance through its Ultimate Reward Current Account. This account provides a series of added-value services, including travel insurance, breakdown cover, home emergency cover, and phone insurance. The account has a monthly fee of £17. The phone insurance covers one phone per account holder and a maximum of two phones for joint accounts. To make a claim, you need to register your phone by providing the IMEI and SIM numbers.

Halifax also offers Away from Home cover, which allows you to protect your gadgets when they are not at home. This cover includes protection for your mobile phone when it is lost, stolen, or damaged. However, it is important to note that there are limits, terms, and exclusions to this coverage.

When considering mobile phone insurance, it is important to compare the different options available to find the best coverage for your needs. Independent firms and specialist providers may offer more comprehensive coverage at a lower cost. It is also worth considering the potential disadvantages of insuring your mobile phone through a home and contents insurance policy, as making a claim may increase your premiums across the entire policy.

Away from Home cover

If you choose Silver or Gold cover, your items are also covered against accidental damage as standard. This includes accidental damage to your gadgets, such as cracked screens, which are covered under Silver or Gold cover.

It is important to note that there are limits, terms, and exclusions with all types of cover, so be sure to read the policy documents carefully to understand what is and isn't covered.

In the event of a claim, you will need to provide photographs of the damage, receipts or invoices that prove ownership and value, and, if applicable, cost estimates for repairs. You will also need to provide your policy number, name, and address.

Additionally, it is worth considering other options for insuring your mobile phone. Some current accounts, such as Halifax's Ultimate Reward Currency Account, offer mobile phone insurance as one of their benefits for an additional fee. Alternatively, you can purchase cover from independent firms that specialise in smartphone insurance, or consider gadget travel insurance if you are going on a short trip.

Halifax's contents insurance

Contents insurance from Halifax covers the things inside your home against theft and damage by events like fires, storms, and flooding. It covers items such as furniture, carpets, clothes, electronics, and personal items. You can also add on several useful cover options to meet your specific needs. For example, you can add accidental damage cover, which includes incidents such as spilling something on the carpet or your cat tearing the curtains. You can also add cover for belongings you take with you when you're out and about, such as your phone, laptop, or e-reader.

Contents insurance from Halifax also includes cover for contents in your detached outbuildings or garden, as well as pedal cycle cover for damage to or theft of your bike, both in and away from home. If you have a family member who is a student, you can add cover for their contents in private rented accommodation or halls of residence. Additionally, you can specify items worth over £3,000, such as jewellery, paintings, or collections.

Another important feature of Halifax's contents insurance is Home Emergency cover. This provides access to a 24/7 helpline for emergency repairs that are not typically covered by standard home insurance. It covers repairs up to £1,000 per incident, with no excess to pay. You can also add Legal Expenses cover, which provides assistance with legal problems such as personal injury claims, building work disputes, or employment issues.

Halifax also offers mobile phone insurance through its Ultimate Reward Current Account. This provides repair or replacement for your device if it is stolen, lost, or damaged, including mechanical breakdown, with a maximum value of £2,000 per claim. The account covers one device, but a joint account can cover up to two smartphones. However, it's important to note that this option comes with a £100 excess fee per claim and a limit of two claims within 12 months.

Halifax's combined buildings and contents insurance

Halifax offers combined buildings and contents insurance, providing full protection for your home. This insurance covers the structure of your home, including fixtures and fittings, and the contents inside it. The contents insurance covers items such as furniture, carpets, clothes, electronics, and personal items.

Buildings insurance covers you if something happens to your home, for example, a fire, storm, or flood. It also includes cover for attached garages, conservatories, gates, fences, paths, driveways, and patios. With all levels of cover, Halifax will pay for the full rebuild cost of your home and its outbuildings. There is also up to £100,000 cover for the extra cost of staying somewhere else if you need to because of a claim.

Contents insurance covers the things inside your home against theft and damage by events like fire, storm, or flood. You are insured up to the contents limit amount for the level of cover you choose. This includes any high-value items named on your policy and things in your outbuildings. You can also add Home Emergency cover to your policy.

Home Insurance Select offers three levels of cover: Bronze, Silver, and Gold. The level of cover you need depends on factors such as the value of your belongings and whether you want cover for accidental damage. 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 must specify these on your policy.

Halifax also offers gadget insurance, which can be included in your contents insurance. This covers personal gadgets such as mobile phones, tablets, and laptops against theft and damage.

Frequently asked questions