Key Features
Our 606 policies are available as a standalone product. However, if a client qualifies for 606 for one property, then they will be covered by our 606 policy for all, even if secondary properties on their own would not qualify for 606 cover.
- Accidental damage covered as standard: Possessions are replaced on a ‘new for old’ basis with no reductions in value for wear and tear
- Worldwide cover: for theft, loss and damage to your clients’ possessions when taken away from their home
- Protection for you and your family: We provide specialist help and support if you and your family are involved in an incident not necessarily resulting in a loss. For example, we will assist you following traumatic or stressful events such as aggravated assault in an attempted burglary or identity fraud
- Protection for staff and visitors: Public liability and employers' liability cover of up to £10 million each
- A common sense approach: No need to list jewellery and watches under £25,000 in value, or fine art pieces under £50,000 in value
Updated 606 policy wording - February 2024
Utility failure cover: now includes broadband services
With today's hybrid working environment, we’re more dependent on our broadband than ever before. If your client's home suffers a loss of utilities (gas, electric, water) or broadband for a period of more than 24 hours - we will cover any increased costs to keep them working at home. This cover now has no excess and can be used to quickly hire a temporary broadband service or pay for additional data/streaming costs.
Alternative accommodation: our 'like-for-like' promise
If your client suffers a covered claim and needs to move out of their home, our ‘like-for-like’ promise means we will try and find a similar property in their local area to minimise disruption to them, their family and pets. This extends to their home office facilities to ensure they can continue working in a similar environment as seamlessly as possible.
Increased cover for new contents, jewellery, or art acquisitions
We are automatically offering all clients still insured on a sum insured basis a free 25% uplift (up to £100,000) on their contents, jewellery and art cover for new acquisitions purchased throughout the policy period. Just ensure to update your client's cover at renewal. You will still need to tell us if they acquire items worth more than 25% of their stated sum insured during the policy period.
Broad unoccupancy terms
Broad unoccupancy terms if your client is unable to visit their home or additional properties as frequently as they would like. Many insurers have onerous stipulations around visits however we do not – all we ask is that they leave their heating on to a minimum temperature of 10 degrees centigrade to avoid freezing pipes or drain the water system (turning the water off at the mains, running the taps to empty water tanks so as to avoid leaks should pipes freeze and burst). If your client’s home is usually unoccupied for more than 60 days per year please speak to us.
Accidents and damage caused while using an electric bike or scooter
More people are using electric bikes and personal scooters to commute. Our personal liability cover has been clarified to include any injury or damage to third parties for which your client is legally responsible, provided the equipment is being used in accordance with the law.
Employers liability includes physical and mental claims cover
Our £10m employers liability covers domestic staff, such as gardeners, au pairs, and cleaners as standard. Cover includes any proven claims from your client's employees for physical and mental injury. Cover is not included for non-domestic staff - if unsure please check with us and we will see what we can do.
Cyber cover clarified
We are simplifying our cyber cover by moving to a single limit and removing inner limits. Additionally, the annual premium has been reduced to £95.
Annual travel policy now includes CV-19 cover as standard
Travel disruption as a result of CV-19 has been huge. With ongoing lockdowns, quarantine requirements, and localised restrictions creating a great deal of uncertainty for clients, many are reluctant to book trips at this time. Following feedback from our brokers we have updated our travel cover for policies beginning with PL-HOM* to give the cover your clients need:
- The existing “travel against advice” exclusion will no longer apply to medical expense claims
- We will include cover for cancellation, curtailment and medical expenses arising from CV-19 as standard
- CV-19 cancellation cover does not operate if the trip was booked when travel restrictions to the territory were in place, or if the booking of the trip predates travel cover with Hiscox
- Family annual travel premium will increase from £240 to £300
*If you aren't aren’t sure if your client has a PL-HOM policy please speak to your underwriter.
Say hello to LeakBot
LeakBot is a smart water leak detector that is included FREE of charge with your client’s building insurance.
LeakBot spots hidden leaks before they become a bigger problem, helping protect your client’s home against serious damage. If your client experiences a LeakBot alert, a LeakBot engineer will visit the property to locate the source and fix the problem.
LeakBot RRP £149. Hiscox will cover the cost, usually £150 +VAT, plus one home visit per device every 12 months from a specialist LeakBot engineer.
Why choose Hiscox?
1
An exceptional claims team Professionalism and experience are key – we take a common sense approach to claims and ensure they are handled quickly, efficiently and fairly
2
Going the extra mile We understand that money can’t always replace your clients’ most treasured items, so we work with a range of experts to help replace, repair or restore them whenever possible
3
Immediate assistance for home emergencies
We include 24-hour home emergency cover as standard, giving your clients swift assistance from a suitable contractor in the event of an unforeseen household emergency
Documents
Policy wordings
Policies that begin with PL-HOM only:
- Policies quoted or renewed on or after 27th February 2024: Hiscox 606 home insurance - wording – 22630 (02/24)
- Hiscox 606 home insurance - summary of change – 22654 (02/24)
- Policies quoted or renewed prior to 27th February 2024: Hiscox 606 home insurance - wording – 18968 (09/22)
- Hiscox 606 home insurance - summary of change – 18896 (06/18)
Policies that do not begin with PL-HOM:
- Policies with a renewal date of 20/4/2020 or later: Hiscox 606 Home insurance - policy wording - 6050 (03/20)
- Hiscox 606 home insurance - wording (UK) – 6050 (08/17)
Underwriting
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