Halifax Home Insurance can offer you a Premium frozen for 3 years. Just buy buildings and contents cover otgether and don't make any claims in the first two years to qualify.

If that's not enough, you have the option to pay monthly by direct debit at no extra cost, access to a 24 hour home emergency, Free key recovery service and legal advice line and up to 30% No Claims Discount.

You could save up to £127, based on independent telephone research by Consumer Intelligence Ltd who compared 150 test cases across 32 companies in the period October -December 2006. 10% of consumers achieve a saving of £127.17

Policy summary cover includes:

• Pay monthly by direct debit at no extra cost.


• Unlimited buildings cover.


• New for old - if you should lose, damage or have any of your possessions stolen, we will replace them on a new for old basis, subject to some wear and tear deductions.


• Accidental damage - to major items such as televisions and computers to £5,000.


• Up to 40% No Claims Discount - if you purchase No Claims Discount Protection.