Hiscox is one of the UK’s leading specialist insurers of higher-value homes.

We believe in doing things a little differently, often covering risks that other companies find too complex or too much trouble.

Hiscox 606 Home Insurance has been designed specifically for owners of higher-value homes and possessions, with over £150,000 worth of contents (plus art and collections, jewellery, watches and valuable items).

Hiscox 606 Home Insurance has always aimed to give you comprehensive cover and great service. And, as our customers’ lifestyles change, we continually look at how the cover can evolve to reflect those changes.

We have made some improvements to ensure we cover many of the new risks that have emerged following the Covid-19 pandemic – such as more people working from home, changing the way they commute, improving their homes, changing travel plans, ordering more online or becoming more aware of the increased threat from computer hackers.

Comprehensive cover for your home

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Our Hiscox 606 Home Insurance standard cover
is anything but standard.

Cover for your possessions on a ‘new-for-old’ basis with no deductions for wear and tear,
wherever they are in the world, including accidental loss and damage.

We offer a 25% increase (up to £100,000) on your contents, jewellery and art cover for any new acquisitions throughout the policy period — just make sure to tell us of the overall new sum insured at renewal.

You will need to tell us if you acquire any of the following during the policy:

  • anything that might be worth more than 25% of the stated sum insured;
  • an individual item of jewellery costing £25,000 or more;
  • an item of fine art costing £50,000 or more.

It’s not just your possessions that are covered, we will also cover:

  • the personal property belonging to your visitors and domestic employees who do not live in the home against loss or damage while it’s at the risk address.
  • the personal possessions of permanent members of your household in full time education against loss or damage while they are studying away from home.
  • your parents’ or grandparents’ household goods, clothing and personal property while in the nursing or care home where they reside against loss or damage.

Additional cover

You can also choose to add personal cyber cover, worldwide annual family travel insurance, renovation and extension insurance, and motor insurance to your policy – giving you the ease of a single premium and policy to manage.

Personal cyber

Hiscox Personal Cyber cover has been specifically designed to meet the needs of customers who wish to protect themselves against online threats to their personal computer network, hardware, IT and communication systems. Our simplified cover has a single £100,000 limit and can be added to your existing 606 policy for an additional annual premium of £95 (inc. IPT).

Key features

  • Hacker damage – for repair and replacement of computer hardware, software and retrieval of personal data.
  • Cyber theft – for loss of personal funds (not including cryptocurrency), personal documents, title deeds, internet data and call charges incurred by the hacker.
  • Social engineering – for the theft of funds transferred to a fraudulent account following a phishing attack.
  • Cyber extortion – for a ransom being demanded following a cyber crime.
  • Cyber media liability – for financial loss as a result of personal accounts being hacked, where hackers are found guilty of infringing intellectual property rights, transmitting a computer virus or making libellous/slanderous comments.

Meet our third-party partners

  • DynaRisk – our personal cyber cover includes one ‘pro’ licence to DynaRisk, a third-party cyber risk assessment and management tool which will help to determine your personal cyber score, where your vulnerabilities lie, how you can increase your protection online, highlight any known data breaches involving email accounts, undertake anti-phishing training and review how-to guides.
  • Control Risks – we also have cyber victim assistance through Control Risks, a global risk consultancy specialist, who are ready to provide expert advice and guidance to your if you suffer a cyber attack.

Who is it for?

New and existing Hiscox 606 Home Insurance clients, who:

  • have not suffered a loss in the last five years which would have been covered by this insurance if it had been in force.
  • are not aware of any incidents which may lead to a loss which would be covered by this insurance.
  • have up-to-date antivirus and firewalls in place to protect their personal computer, laptop, tablet, mobile phone and home computer network.
  • update their Android, Apple of other applicable operating systems within 90 days of an update becoming available.

Subject to underwriting criteria. Speak to your insurance broker for more information.

Travel insurance

From Brussels to Beijing. Wherever you are in the world, we’ll look after you with our annual family travel insurance extension, available as part of your Hiscox 606 Home Insurance policy for an additional annual premium of £300 (inc. IPT).

Key features

  • Cover for cancellation, curtailment and medical expenses arising from Covid-19 included as standard.
  • Medical expenses cover up to £5 million.
  • 90 day per trip limit (30 days for winter sports).
  • Winter sports and cruise cover included.
  • Volcanic activity (including ash cloud) included.
  • Motor excess waiver for overseas car hire.
  • Card Sentry – card and document assistance designed for global travellers providing a simple way to manage the cancellation of all your cards if they are lost or stolen at home or abroad. Card Sentry also offers secure electronic document storage and retrieval for passports, driving licences and insurance documents.
  • Smart delay – complimentary access to a LoungeKey™ airport lounge if your flight is delayed for more than 90 minutes.
  • Children can also be included on the policy if they are still dependents or reside at the insured address.

Who is it for?

For new and existing Hiscox 606 Home Insurance clients insuring their main home with Hiscox.

Subject to underwriting criteria. Speak to your insurance broker for more information.

Renovation and extension

There is no need to notify us if contract works are under the value of £100,000. Existing structure and liability are already covered as standard within the Hiscox 606 Home Insurance policy, if buildings cover is included.

Key features

  • Broad all-risks cover for existing structure; contents in the home, in storage, or at another property; works in progress; plant and machinery; building materials; property owner’s liability; alternative accommodation; non-negligent liabilities.
  • Continuity of cover – no need to switch between insurers or gaps in cover.
  • Flexible – policy can be in joint names with the contractor.
  • Peace of mind – before, during and after works. We can also provide a post-works survey on request to assess the rebuild cost of your home.

Subject to underwriting criteria. Speak to your insurance broker for more information.

Motor insurance

Hiscox Motor Insurance has been designed for owners of higher-value cars and includes cover you won’t normally find within a standard car insurance policy. Our Hiscox Motor Insurance is available as a standalone product or can be added onto your Hiscox 606 Home Insurance policy – one policy, one renewal date, and one premium to manage.

Key features

  • 24-months new car replacement cover. If your brand new vehicle is written off within 24 months and you are the first registered owner, we will replace your vehicle with a brand new equivalent model. Alternatively, we will settle your claim in cash at the vehicle’s agreed value.
  • Unlimited number of foreign trips as long as each vehicle spends at least six months and one day in each 12-month period within the UK.
  • Cover for named persons and authorised drivers over the age of 30 not living with the policyholder.
  • Fully comprehensive cover whilst driving any other vehicle not owned by you or a named person on your policy.
  • Agreed value for vehicles with a value above £100,000.
  • Payment of the higher of the agreed value or the market value, up to a limit of £100,000.
  • Personal accident cover up to the value of £30,000.
  • Similar courtesy car up to £4,000 per claim.
  • Cover for inability to drive due to ill health.
  • Repairs by the garage of your choice.
  • European breakdown assistance.
  • Lock replacement and audio cover.
  • Personal registration plate cover.
  • Personal effects cover.

Who is it for?

Hiscox Motor Insurance is for people with two or more vehicles to insure, with one having a minimum retail value of £30,000 from new.

  • Each driver should have no more than one ‘no blame’ claim in the last three years.
  • The main driver should be over 30 years old.
  • Each driver should have no more than two minor convictions in the last three years.
  • All cases are individually underwritten.

Subject to underwriting criteria. Speak to your insurance broker for more information.