Two points 1. I have just moved home, phoned HALIFAX car insurance to change my address I was told that it would cost £25.Earlier my wife phoned HALIFAX and was not charged.After a long time on the phone my charge was wavered, with the following reason,.It is up to the discretion of the operative. 2. Received my insurance renewal,great shock it has risen by 45%. I contacted HALIFAX to ask why, they could not explain .after escalating the call to a manager ,again they did not know ,saying it could be due to various conditions....question to the manager please explain what are the changes, the reply was the same....various possible reasons.I was also told that if I wanted I could cancel my policy.. HALIFAX don’t you want my business?.