Do not waste your money insuring with Halifax Insurance. For a start is very expensive; costs £339 a year for contents insurance for a purpose built 3 bed flat flat. I decided to pay it for peace of mind to insure with a large company. However, after many years, I needed to make a claim, because of a water leak in the bedroom, from the flat above. They were very cagey about exactly what they would pay and asked for £150 Excess PLUS an additional Excess fee £250 for water escape. At this time they didn't say if they would cover the whole cost of the items damaged by water or just a part cost towards them. They were very cagey through out the process and wanted to have my proof in place before letting me know the outcome. I had full evidence of the incident, plus third party admitting liability, so it should have been a smooth and pleasant process. However, the experience of making a claim was upsetting as the insurer skillfully disclosed that policy is worthless and covered by small clauses to protect them. I thought I was purchasing peace of mind when I bought this contents insurance but I came off the phone thinking I was well ripped off and there is nothing I could do about it. So angry I want to warn people NOT to buy insurance from Halifax as its crafted to minimise the obligation they have to the customer.