INSURANCE FOR THE THINGS THAT MATTER.

INSURANCE INSURANCE FOR THE THINGS THAT MATTER. So you can enjoy life, knowing you re covered. TALK TO US TODAY 89172AP_1-3390220-2_0813.indd 1 07/08/2013 15:06

It s important to have good insurance in place. But getting the right cover needn t cost the earth. We ve come up with insurance for everything, including your home, holiday or illness and all at a competitive price. Not sure which products you need? Our in-branch team will be happy to help. They can talk you through the detail of our insurance range, and can also review your general financial situation checking all your accounts with us, and helping you plan for the future with confidence. This service is quick, there s no obligation, so there s nothing to lose. In fact, we may even be able to suggest changes that could save you money. You can make an appointment at your local branch or call us on 08457 23 33 43. Getting the right cover needn t cost the earth 2 Call 08457 23 33 43 Insurance lines are open: Monday to Friday 9am 7pm, Saturday 9am 4pm

Contents First things first 4 Home insurance great value from the start 6 Car insurance 8 Travel insurance 10 Protection for Life 12 Important information 14 The service is quick, there s no obligation, so there s nothing to lose Pop into your nearest branch halifax.co.uk/insurance 3

First things first Chances are you already know what kind of insurance you want. But before you take the plunge, there are a few things to think about. 1. Do I really need insurance? It could be essential some mortgage lenders will only give you a mortgage if you ve got buildings insurance, for example. And while you may think you don t need other types of insurance, they can still give you peace of mind. If you re not sure, we can help you work out what best suits you. 2. What level of insurance do I need? Most types of insurance come with different levels of cover. So you need to balance how much cover you want with how much you re prepared to pay. Less cover costs less but you run more of a risk. And remember to shop around. Not all policies are the same so a bit of legwork beforehand will help you decide on the best deal. 3. What commitment do I need to make? Here s what you ll need to commit to: Pay your premium. If you don t pay, you re not covered. It s that simple. Most general insurance policies cover you for a year and you can usually pay it all up front or in monthly instalments. You ll have to pay each monthly instalment in full and you may have to pay interest. You can find this out from your policy document. Have a good look through the policy document once you get it, so you can double check you ve got the best policy for you. Most policies give you a coolingoff period of between 14 and 30 days. This is your chance to cancel your policy usually without penalty or charges if you change your mind. 4 Call 08457 23 33 43 Insurance lines are open: Monday to Friday 9am 7pm, Saturday 9am 4pm

4. Are there any risks? There may be events that your insurance doesn t cover. So make sure you ve read your policy terms and conditions and get in touch if you ve got any questions. If you choose the wrong level of cover, you might end up underinsured or paying for cover you don t need. So make sure you choose the right level when you set up your policy. Need more information? If you ve read this brochure and want to know more, talk to your local branch or visit www.halifax.co.uk/insurance Or book yourself in for a Customer Review, where we can help you decide on the cover you need. We ll make sure you re completely happy before you make your final decision. Make an appointment at your local branch or call 08457 23 33 43 Pop into your nearest branch halifax.co.uk/insurance 5

Great value from the start Halifax Home Solutions Insurance, underwritten by Lloyds Bank General Insurance Limited. Bills going up. And many of us still feeling the pinch. But we re always looking at ways to help make life easier starting with quality home insurance. In fact, from the first day you take out your Halifax home insurance policy, not only will you be rewarded with fully comprehensive insurance that will protect your home but you can save money too: Regular great value deals to find out more about what we re currently offering, ask in your local branch, or pick up one of our Home Insurance brochures. Bear in mind all discounts are applied consecutively and minimum premiums apply. Spread your payments you can spread your premium across 12 monthly instalments. And unlike some insurers, we won t charge you a penny of interest. No claims discount find out whether you could enjoy our no claims discount even if you re transferring from another insurer. First-time insured discount even if you ve never held a home insurance policy before, we ll help by giving you a discount on your buildings, or combined buildings & contents premium. Ask us about our latest offers Extra ways to save if your house is alarmed you could get a discount on your contents, or combined buildings & contents premium. Or if you hold a Halifax Ultimate Reward Current Account, you could be entitled to a further discount. 6 Call 0800 111 200 Insurance lines are open: Monday to Friday 9am 7pm, Saturday 9am 4pm

5 Star quality home insurance Sometimes things go wrong. And if the worst happens and you need to claim, at least you know that Halifax Home Solutions Insurance will look after your home and the things you value. It s been rated as 5 Star by the independent financial research company Defaqto, making it one of the best quality home insurance products on the market. No one wants to pay more for their insurance than necessary. But compromising on your cover isn t a good idea and can end up costing you far more when making a claim. So it s important to check that you ve got the right level of cover that will suit your needs. Visit www.defaqto.com/star-ratings to compare our insurance with your current cover. We re confident that you ll be impressed. A great range of benefits, including: Unlimited sum insured buildings cover so if the worst happens you can afford to rebuild your home. Specialist UK based claims teams for theft, fire and water damage. So if something goes wrong, you ll be in safe hands. Alternative accommodation for you and your pets if an insured event causes such severe damage that you can t live at home, we ll find you somewhere to live until things are sorted that includes your domestic pets too. Under buildings insurance, we ll pay up to 30,000 for alternative accommodation and, under contents insurance, up to 20,000. Personal Claims Consultant if you re making a complex claim, and we feel you need the extra support, you ll get your own Personal Claims Consultant who can visit you at home. Apply today To find out more about our Home Solutions Insurance, ask in branch. Unlimited sum insured contents cover so your possessions can be repaired or replaced if they get stolen or damaged. There are some limits for contents, such as up to 10,000 in total for valuables and 3,000 for any single valuable item. Pop into your nearest branch halifax.co.uk/insurance 7

Car insurance Free MOT offer Nobody likes to fork out for an MOT. So when you buy car insurance from Halifax, your next MOT is free. That makes good motoring sense. Just buy a policy at www.halifax.co.uk/car or call 0800 980 6315 (quoting HLMOT), hold the policy for 14 days and make sure your payments are up to date. Terms and conditions apply. If your car is less than three years old and doesn t need an MOT during the next 13 months, you can take advantage of a free 26-point vehicle health check instead. More than just a great price No one wants to pay more than they have to for car insurance, but you need to know you ve got the right cover too. That s why we ve teamed up with BISL Ltd to arrange and administer our car insurance. You ll get a competitive quote from a panel of leading insurers and enjoy these great benefits: A three year guarantee on all approved claims repairs for added peace of mind. 24 hour emergency and windscreen helpline because accidents can happen day or night. And if you take out a comprehensive policy, you ll also enjoy the following additional benefits: New car replacement if you ve had your car from new and it s less than 12 months old, you ll get a replacement as close to make, model and specification as possible, if it s stolen and not recovered. Vandalism cover as standard which protects you if your car gets damaged, accidentally or maliciously. Courtesy car we supply you with a courtesy car while yours is with an approved repairer (subject to availability and eligibility). Free MOT offer information Available to new Halifax Car Insurance customers only and is not available on comparison sites. Your MOT (or 26-point vehicle health check) offer voucher can only be used with NSN Holdings Limited and will only be valid once you ve held your car insurance policy for 14 days from the cover start date and all payments are up to date. It will remain valid for 13 months, and may only be used once. This offer may be withdrawn at any time. Terms and conditions apply and can be found at www.halifax.co.uk/mot. This offer is being made by BISL Limited of Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2 6YS. Registered in England No. 3231094. 60 days European Union cover so you re insured to travel with your car in Europe, for 60 days, at no extra cost. 8 Call 0800 980 6315 quoting HLMOT Car insurance lines are open: Monday to Friday 8am 9pm, Saturday 9am 5pm, Sunday and Public Holidays 10am 4pm

Want extra peace of mind? If our standard cover is not enough, you can also include additional cover with your policy for an extra cost. Motor Legal Protection You get up to 100,000 legal cover. And it s just 25.99 a year. If you re involved in a road accident that isn t your fault you could use Motor Legal Protection to help you claim compensation for personal injury, death, damage to your vehicle or items in the vehicle not covered by your car insurance. Terms and conditions apply. Underwritten by AmTrust Europe Ltd and administered by ACM ULR Limited. RAC Breakdown Cover starts from just 39.99 a year You never know when a breakdown could happen. But if it s ever happened to you, you ll know just how inconvenient it is. When you get a Halifax Car Insurance quote you can add RAC breakdown cover to your policy. Terms and conditions apply. Important information Halifax Car Insurance is underwritten by a panel of insurers and is arranged and administered by BISL Limited who are an independent intermediary authorised and regulated by the Financial Conduct Authority. Registered in England No. 3231904. To apply Go to www.halifax.co.uk/car Call us on 0800 980 6315 quoting HLMOT. Lines are open Monday to Friday 8am 9pm, Saturday 9am 5pm, Sunday and public holidays 10am 4pm. Calls may be monitored and recorded for training and/or quality purposes. Provided by RAC Motoring Services. Keycare Take away the hassle of losing your keys for just 14.99 per year. Most of us have lost our keys at some point and it can cause such a lot of stress and hassle, if you re locked out of your house and car. But you can avoid this easily by adding Keycare to your Halifax Car Insurance policy. Terms and conditions apply. Underwritten by Groupama Insurance Company Limited. Pop into your nearest branch halifax.co.uk/insurance 9

Travel insurance Looking out for you when you re away Nobody wants to think about insurance when you re excited about your holiday. But it s essential to have just in case you need it. Do you travel a lot? If you like a lot of holidays, how about we cover you for a whole year with our annual multi-trip policy? This can save you time looking for travel insurance at each occasion and gives you cover for trips up to 60 days duration. Need something more specific? We can offer individual packages for single trips and world explorer for longer trips (up to 12 months). Great benefits Whichever policy you choose, it ll provide: 24-hour medical assistance. Up to 10 million towards medical expenses. Travel disruption cover as standard which includes missed departure, air space closure and catastrophe e.g. volcanic eruption (not applicable on world explorer). We also offer winter sports and golf cover options (additional premiums apply). Here s how to save more Have a quick look at your home insurance policy if it includes personal belongings cover you may not need personal baggage cover on your travel insurance. Get a quote now Call 0800 169 8784 quoting reference IBB1. Lines are open Monday to Friday 8am 8pm, Saturday 8am 7pm and Sunday 9am 5pm. Or buy online at www.halifax.co.uk/insurance Travel advice and tips Pay a visit to the Foreign and Commonwealth Office website www.fco.gov.uk/travel or call 0845 850 2829. Up to 250 for travel delays (annual multi-trip and single trip policies not applicable for world explorer). Up to 600 for the cost of replacing your passport (annual multi-trip and single trip policies, world explorer 200). 10 Call 0800 169 8784 Travel Insurance lines are open: Monday to Friday 8am 8pm, Saturday 8am 7pm, Sunday 9am 5pm

Bear in mind You may not be eligible for Halifax Travel insurance cover. Cover is also subject to certain exclusions. Upper age limits apply: 75 for single and annual multi-trip cover, 64 for winter sports, 65 for trips to the USA, Canada, Mexico, the Caribbean, China, Hong Kong and Singapore and 40 for world explorer. Please call if you fall outside of these age ranges, as we may be able to arrange alternative cover for you. Terms and conditions apply. The policy is administered by FirstAssist Insurance Services Limited and underwritten by Great Lakes Reinsurance (UK) PLC. If you like a lot of holidays how about we cover you for the whole year? Pop into your nearest branch halifax.co.uk/insurance 11

Protection for Life When it comes to looking after the important things in life you, your family and your lifestyle are all special. So it only stands to reason that you d want to protect what s important to you by providing financial security, should the worst happen to you. Helping to keep your financial goals in place Protection can be used to provide cover in the event of death, accident or critical illness. It s a sad fact but illnesses such as cancer or heart disease can affect any one of us at any time in our lives. Have you thought about how your family would meet the regular monthly bills such as mortgage payments if you were taken ill, had an accident and were unable to work, or if you died? A Halifax adviser can help ensure you, your family, income and lifestyle are fully protected, including any outstanding mortgage on your home. So you can have one point of contact to ensure all your financial goals are kept in place, whatever the future holds. This plan, provided by Scottish Widows plc, can be adapted as your life changes such as: Getting married Entering into a civil partnership Having children Buying or moving house Changing jobs. Valuable cover available The Protection for Life plan offers different types of cover which you can pick and mix from: Critical illness cover You may want to know you ll be able to pay off any outstanding debts if you re diagnosed with a critical illness specified under the policy. An adviser can help you work out how much cover you require. Protection for Life plan Our advisers can help provide the reassurance you need by recommending flexible solutions from the Protection for Life plan. 12 Call 0845 850 0695 Life Insurance lines are open: Monday to Friday 8am 6pm, Saturday 9am 1pm

Life cover Your adviser can help you make sure you have enough life cover in place, so you ll know that your family and dependants can be better placed to make ends meet if the very worst happens to you. With Protection for Life, you can take out cover for your mortgage which covers you should you die or suffer from a critical illness specified in your policy. Don t forget you can also apply to adapt your plan if you have a change in circumstances e.g. need to change your mortgage. Income protection Cover arranged for when you can t work for a period of time due to an accident or long-term sickness. You may want to ask our adviser about what options are available that could help maintain your lifestyle. Lifetime cover Lifetime cover lasts the whole of your life and provides a lump sum when you die this type of cover could be used to pay for expenses on death. For cover of 15,000 or less you ll be accepted in almost all cases without a medical. For Lifetime cover policies, you may pay more in premiums than the amount of cover you take out. Would you like to know more about protection? One of our advisers can help you take the next steps. To set up a no-obligation meeting with an adviser: Visit your branch Call us on 0845 850 0695 Go to www.halifax.co.uk/adviser Lines are open Monday to Friday 8am 6pm and Saturday 9am 1pm. Please remember: Protection for Life has no cash-in value at any time. If you don t pay your premiums on time your cover will stop, your benefit will end and you ll get nothing back. If the benefit amount has not been paid out by the end of the selected term, the policy will end and you ll get nothing back. If the benefit is to cover a repayment mortgage, and you decide on decreasing cover we will decrease the benefit amount each month assuming a fixed rate of interest of 10% a year. There may be insufficient funds to repay the loan if the interest rate on the mortgage exceeds 10% or the loan is increased or extended. Pop into your nearest branch halifax.co.uk/insurance 13

Important information Insurance can be confusing at the best of times. So to help you make the right decision here s some more detailed information for you. Like all insurance policies, ours contain specific exclusions. If you d like a comprehensive summary of each policy, including its main benefits and exclusions, just ask. If you want the full details, ask us to give you the policy terms and conditions. Do you need extra help? We want to help our customers in any way we can. If you have a hearing or speech impairment you can use Text Relay (previously Typetalk) or Textphone on 08457 32 34 36 (lines are open seven days a week 9am 5pm). We can provide brochures and other documents in large print, Braille, CD and audio tape. Please ask a member of staff if you d like individual pieces of literature in any other formats or would like to know more. Customer service Our promise is to do our best to resolve any problem you have immediately. Where we can t, we ll ensure you know who is dealing with your complaint. To complain: Visit a branch and speak to any member of the team. Call our Telephone Banking Service on 08457 25 35 19. Write to us at Halifax, PO Box 548, Leeds LS1 1WL. 14 Call 0800 08457111 23 200 33 43 Insurance lines are open: Monday to Friday 9am 7pm, Saturday 9am 4pm

If you re still not happy and we can t put things right to your satisfaction, you can ask the Financial Ombudsman Service to look at your complaint provided you have tried to resolve the matter directly with us first. We hope you won t need to contact the Financial Ombudsman Service but if you do, we ll tell you how to do this. Free booklets and information This brochure gives you an overview of the Halifax Insurance range. If you d like more detailed information, our staff will be happy to help. The Money Advice Service (MAS) also provides a range of free booklets and factsheets. You can call their consumer helpline too. To find out more, visit www.moneyadviceservice.org.uk or call 0300 500 5000. Please note that the MAS will only give you general information and are unable to give you any advice, investigate a complaint or contact a financial company for you. Helping you make the right decision All the information in this booklet was correct when it was printed (August 2013). Halifax is a division of Bank of Scotland plc. Registered in Scotland no. SC327000. Registered office: The Mound, Edinburgh EH1 1YZ. Pop into your nearest branch halifax.co.uk/insurance 15

It s easy to get in touch Insurance 08457 23 33 43 Current accounts 08457 20 30 40 Savings 08457 26 36 46 Credit cards 08457 28 38 48 Personal loans 08457 24 34 44 Mortgages 08457 27 37 47 Secured lending 08457 27 37 47 Share dealing 08457 22 55 25 Lost and stolen cards 08457 20 30 99 Speak to a colleague in branch today Phone your local branch direct. You can find the number online at www.halifax.co.uk/branchfinder Do you need extra help? We want to help our customers in any way we can. Please contact us if you d like this information in an alternative format such as Braille, large print or audio. If you have a hearing or speech impairment and would prefer to use a Textphone, please feel free to call us on 08457 32 34 36 (lines open 9am 5pm, 7 days a week). If you are Deaf and prefer to use BSL then you can use the SignVideo service available on our website www.halifax.co.uk/accessibility/signvideo Your call may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service. Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Offi ce: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. 1/3390220-2 (09/13)