We have been with Halifax for nearly thirty years. Month after month, year after year never missing a payment and having no cause to make a claim...but over the last two days rain started dripping in from the living room ceiling and I found Halifax to be TOTALLY useless in every conceivable way. Long story short, they did their level best to avoid helping us in any way. That's fair enough, but as of Monday we are changing who we use to insure our property. Bye bye Halifax. Better cover for half the price than we were paying them. I strongly urge everyone to look elsewhere, shop around 'cos Halifax are rip off merchants.