Insurance Groups For Cars - HBOS

This group was created on the 10th September 2001 following the merger of Halifax and Bank of Scotland. It is the UK's largest mortgage and savings provider with current assets totalling over £400 billion.

Among the HBOS Group of companies are Lex Service plc, the van and car hire company; GDCH, the vehicle leasing and fleet management company; Halifax, one of the best known UK brands and Esure, the internet based general and car insurance company.

The esure car insurance brand was launched in July 2001 with a policy of insuring only drivers with four years no claim discount or more. Their no claim discount scale now offers responsible motorists 70% for five years claim free driving and up to 75% for a total of ten years without a claim. In July 2002, the company began underwriting Sainsbury's Bank's Car Insurance product which offers a number of unique benefits, such as the ROSPA-endorsed policy of replacing child car seats when a vehicle is involved in an accident (even if the seat appears undamaged) and £1,000 to be spent on counselling - or however the policyholder decides - if involved in a 'road rage' incident.

Halifax car insurance product features include a free courtesy vehicle while yours is being repaired by one of the company's recommended car repairers if you choose comprehensive insurance cover, 24-hour emergency assistance, 5-year guarantee on repairs when you use their recommended car repairer (this does not affect your statutory rights), Optional Breakdown Assistance Cover with Green Flag and Optional Motoring Legal Protection.

First Alternative is the HBOS/Peter Wood joint venture that targets higher premium - and higher risk car drivers. First Alternative Woman is another company set up cater for women drivers car insurance policies.

Please note, conditions will apply for all of the insurance group for cars products mentioned above, please contact the insurer concerned for more information.