Yes, please get in touch as soon as possible if you’re struggling to manage your regular policy payments. We’re here to help.

Call: 0344 209 0471Speak to a representative Mon-Fri 8am-8pm, Sat 8am-6pm, or 10am-4pm on Sun and bank holidays.

We know that many things can lead to financial difficulty. Our representatives can discuss your individual circumstances and find a way to help, which might include:

• A short-term payment holiday
• Moving your payment dates
• Agreeing partial payments

Don’t wait until you miss a payment to speak to us, as we can help beforehand.

We ask that you don’t cancel your payments or Direct Debits as your policy could be cancelled, leaving you uninsured.

You can access and manage your halifax car insurance policy online at any time.

Using My Account you can:

• get a quote for a second car
• manage payments and renewals
• add or remove named drivers
• change your address and contact details
• view, download or print your policy documents
• change vehicle, what it’s used for, or the level of cover

If you need to give us proof for your no claims discount, you can:

Email: Halifaxcarinsurance@insurance-system.co.uk

Write to: Fusion House, Katharine Way, Bretton, Peterborough, PE3 8BG

To avoid the cost of your policy increasing or being cancelled, please send in your proof of no claims discount within 21 days of your policy start date.

You can also contact us by phone. There are a few different numbers, depending on what you’re calling about, but below are the most popular options:

• To amend your policy, call: 0344 209 0471Speak to a representative Mon-Fri 8am-8pm, Sat 8am-6pm, or 10am-4pm on Sun and bank holidaysImportant: policy changes could affect the cost of your premium
• For car insurance claims, call: 0344 209 0472Speak to a representative 24 hours a day, 7 days a week.You can also make a claim online.

Many people assume that having comprehensive car insurance allows them to drive other vehicles. For example, you might drive a relative’s car once in a while.

It’s important to know that you’re only covered to drive another car if:

• you’re named as a driver on the insurance policy covering the car you plan to use
• your own insurance policy states that you can use another car. You’ll usually find this on your Certificate of Insurance

Of course, the car you drive must also be insured by the registered keeper or owner.

Even if you have comprehensive insurance on your own car, make sure you check the policy details carefully before getting behind the wheel.

You might only be protected:

• For some purposes, such as social or domestic, but not business use
• By third party cover, rather than a higher level of cover you might have on your own car

You can access and manage your halifax car insurance policy online at any time using My Account. This includes the option to switch your cover to another vehicle.

If you’d prefer to make changes by phone, you can call: 0344 209 0471

Speak to a representative Mon-Fri 8am-8pm, Sat 8am-6pm, or 10am-4pm on Sun and bank holidays.

Important: policy changes could affect the cost of your premium.

In addition to fines, penalty points could be applied to your driving licence if you commit a driving offence. These could include speeding, driving a car which isn’t roadworthy and careless driving.

Depending on the seriousness of the offence, the number of points you’re issued can vary. Points could stay on your licence for anything from four to eleven years.

Some offences can also result in disqualification.

Learn more about driving offences and penalty points at gov.uk.

In terms of your car insurance, the main impact of having points on your licence is how much your premiums will cost. Penalty points can be an indicator of risk, pushing the price of insurance up.

It’s important to tell your insurer about any points or convictions though. If you don’t keep your driving history up to date, it could invalidate your insurance. If you have an accident, you don’t want to risk having your claim refused, or your policy voided.

You can access and manage your halifax car insurance policy online at any time using My Account. This includes the option to cancel.

If you’d prefer to cancel by phone, you can call: 0344 209 0471

Speak to a representative Mon-Fri 8am-8pm, Sat 8am-6pm, or 10am-4pm on Sun and bank holidays.

Fees might apply, depending on when you choose to cancel your car insurance policy.

It’s also worth knowing that:

• any refund you receive will be pro rata. For example, if there’s 6 months left on the policy, you can expect to be refunded half of the original cost, minus any fees
• if you cancel early, you could lose any no claims you’d earn under your policy for that year
• optional extras, like breakdown cover, might not be refundable

If you do cancel your policy and still have a car which needs to be insured, make sure you have a new policy in place to pick up from the date that your old policy ends.