Protect your home with Home Insurance from Hiscox

Hiscox have a long and proud history of home insurance expertise. We’ve been providing specialist insurance policies and advice for decades, in fact, Hiscox currently provide buildings and contents cover for over 60,000 homes across the UK.

Whether you’re seeking a separate contents-only policy or a comprehensive home insurance package, we can provide a highly tailored policy to suit your needs.

Telephone enquiry number
Call on 0800 042 0326
Telephone enquiry hours
Mon - Fri, 8am to 7pm, Sat, 9am to 2pm excluding bank holidays.

Why choose Hiscox Home Insurance?

Here are some of the key reasons why our buildings and contents insurance continues to be an award-winning service:

  • Unlimited Home Insurance cover
    Be confident in your home and contents insurance, whatever the circumstances
  • 99% of customers surveyed who made a claim would recommend us
    (Insight Now, 249 surveys, Feb 2017 - Jul 2017)
  • Contents Insurance covers individual items or sets up to £15,000 as standard
    You don't need to list them or buy separate cover
  • Tailored high-value jewellery and watch cover
    As part of your home insurance policy, no need for separate cover
  • Dedicated claims handler
    Assigned to all house insurance claims as standard
  • 25% No Claims Discount
    You could save up to 25% when you switch to us

Save 5% on buildings and content insurance

Why choose Hiscox Buildings Insurance?

We provide unlimited cover for buildings which means we’ll pay whatever it costs to replace what’s lost or damaged. For certain claims, such as tracing and repairing a leak, there's a maximum amount we'd pay, but the cover we provide is still higher than most other home insurance policies.

You’ll also benefit from:

  • Alternative accommodation if your home can't be lived in because of damage that we agree to pay out for. We'll pay to house your family and pets, up to £150,000 over 3 years.
  • Garden cover up to £25,000 to fix garden damage. We’ll pay to remove fallen trees, fix any damage they cause and also pay up to £1,000 per any one plant, tree or shrub.
  • Exceptional claims service 99% of customers surveyed who made a claim would recommend us (Insight Now, 249 surveys, Feb 2017 - Jul 2017)

What does our buildings insurance cover?

We provide cover for sudden and unexpected events that damage the property itself, such as fire, subsidence, water damage or explosion. Our buildings insurance provides cover for all your home including the roof and walls, any items that are fixed to its structure, and any outbuildings. For certain claims, such as tracing and repairing a leak, there's a maximum amount we'd pay, but the cover we provide is still higher than most other home insurance policies.

Things that might not be covered by your policy include damage caused by wear and tear, rust, rot, fungus or mould, normal settlement, and other things that happen gradually. 

Optional cover you can add to your policy

  • Accidental damage covers you for accidental damage whether you’re at home or away. Accidental damage was the cause of 1 in 5 claims over the last 3 years
  • Home emergency cover gives you up to £1,000 of cover per claim for emergency repairs at your home, all arranged by us and carried out by one of our approved contractors.
  • Renovations and extensions cover provides comprehensive protection for your home if it’s undergoing building works over £75,000. Hiscox Home Insurance automatically includes cover for building works up to £75,000.
  • Legal expenses cover protects you and your family with up to £100,000 to cover the cost of negotiating and pursuing your rights against a wide variety of legal problems.
  • Optional no-claims discount protection allows you to make one claim per policy year without reducing the no-claims discount you've built up with us – this can go up to 25% for remaining claims-free for 5 years or more.

If you suffer loss or damage to the building of your home, simply call our award-winning claims team. If we can't settle your claim immediately, we'll assign a dedicated Claims Underwriter to your case who’ll handle your claim from start to finish.

How much is our buildings insurance?

The cost of our buildings insurance can vary depending on many factors. For example, where you live, the age of your property, the number of bedrooms and bathrooms you have, your property’s construction, and your previous claims history. We’ll look at these factors to provide a personalised quote for you.

To find out more about Hiscox Home Insurance, read our policy documents:

Why choose Hiscox Contents Insurance?

We provide unlimited cover for contents so unless stated otherwise, the total amounts we'll pay out for loss of, and damage to, your belongings is unlimited. And you won’t need to list every item in your home, just let us know if you have any items, pairs or sets worth £15,000 or more, and the overall value of any jewellery, art and collections.

You’ll also benefit from:

  • Optional No Claims Discount protection that can be added to your policy, allowing you to make one claim each year without losing any of your no claims discount
  • Exceptional claims service. 99% of customers surveyed who made a claim would recommend us (Insight Now, 249 surveys, Feb 2017 - Jul 2017)

What does our contents insurance cover?

The contents you can insure are often described as the items that you’d take with you if you were moving house. This includes furniture, electrical appliances, smaller possessions, and fixtures like curtains and carpets.

We’ll cover your expenses to replace stolen items or damaged items in your home. We’ll also cover loss of essential items like laptops and desktop computers.

The types of items that are protected by our contents insurance include:

  • home furniture
  • electronic goods (computers, tablets, mobile phones etc.)
  • clothes, shoes and accessories
  • paintings, pictures and sculptures
  • carpets and curtains
  • bicycles

If you’re renting a property, it’s likely that you’ll want to protect the items listed while someone else insures the building you live in. We can provide insurance for your belongings if you’re renting a property (sometimes known as tenants’ contents insurance). Simply select a contents-only quote when you’re choosing the type of cover.

What does our contents insurance cover?

The contents you can insure are often described as the items that you’d take with you if you were moving house. This includes furniture, electrical appliances, smaller possessions, and fixtures like curtains and carpets.

We’ll cover your expenses to replace stolen items or damaged items in your home. We’ll also cover loss of essential items like laptops and desktop computers.

The types of items that are protected by our contents insurance include:

  • home furniture
  • electronic goods (computers, tablets, mobile phones etc.)
  • clothes, shoes and accessories
  • paintings, pictures and sculptures
  • carpets and curtains
  • bicycles

If you’re renting a property, it’s likely that you’ll want to protect the items listed while someone else insures the building you live in. We can provide insurance for your belongings if you’re renting a property (sometimes known as tenants’ contents insurance). Simply select a contents-only quote when you’re choosing the type of cover.

Save 5% discount on home insurance

  • No need to list items or sets up to £15,000
  • Tailored cover for jewellery and watches
  • 60 day worldwide cover for your belongings

Find out more

Need more help? Speak to our UK-based experts. Call us on 0800 042 0326

Open: Mon - Fri, 8am to 7pm | Sat, 9am to 2pm | Excluding UK bank holidays

Terms and conditions apply, for full terms see below. The Institute of Directors is an Introducer Appointed Representative of Hiscox Underwriting Ltd who is authorised and regulated by the Financial Conduct Authority. For UK businesses only. 

The discount you can benefit from on a Hiscox Home Insurance policy is 5% and is subject to underwriting criteria. A 5% discount is available to new clients with a Private Client Insurance policy (discount is only available in year one of the policy, no discount will be applied in subsequent years). The 5% discount on home insurance is subject to underwriting criteria and both offers are only available via the specific telephone numbers and website. Cases that do not meet Hiscox's underwriting criteria may be referred to a Hiscox recommended specialist insurance broker, where this offer will not apply. Policies are underwritten by Hiscox Underwriting Ltd on behalf of Hiscox Insurance Company Ltd. Hiscox Insurance Company Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. The Institute of Directors is an Introducer Appointed Representative of Hiscox Underwriting Ltd which is authorised and regulated by the Financial Conduct Authority. For UK residents and UK businesses only.

These terms and conditions explain how you are allowed to use this site and the operation of this site by Hiscox Underwriting Ltd, Hiscox Insurance Company Ltd and Hiscox Syndicates Ltd (“Hiscox”).

By accessing any part of this site you will be deemed to have accepted these terms and conditions in full. As this website enables you to transact business with us, the terms and conditions may be different to those on other Hiscox websites. Please take time to review these terms and conditions carefully.

  • All copyright and other intellectual property rights in any material (including text, photographs and other images and sound) contained in this website is either owned by Hiscox or has been licensed to Hiscox by the rights owner(s). You are only allowed to use this website and the material contained in the website as set out below. If you wish to do anything else with any of the material you must get the written permission of the rights owner. If you need any assistance email us at [email protected].
  • This website contains trademarks, including the Hiscox name and logo. All trademarks included on this website belong to Hiscox or have been licensed to Hiscox by the trademark owner(s) for use on this website. You are not allowed to copy or use any of these trademarks in any way except as set out below. If you wish to do anything else with any of the trademarks you must obtain the written permission of the trademark owner. If you need any assistance email us at [email protected].
  • Any purchase of any insurance product(s) available through this website will be subject to these terms and conditions and the relevant policy terms and conditions.
  • You are responsible for deciding whether any of our products or services are suitable for your purposes. Please read the relevant policy terms and conditions carefully before buying any insurance policy. If you need any advice before buying any insurance policy please contact an independent financial adviser or insurance adviser.
  • This website includes links to external websites. It also includes email links to a number of suppliers of services and/or products. These links will help you find relevant services and/or products quickly and easily. You are responsible for deciding whether any of these services and/or products are suitable for your purposes. Hiscox is not responsible for the suppliers of these services and/or products or the goods or services they supply or for their website content and does not give or enter into any conditions, warranties or other terms or representations in relation to any of these.

What you are allowed to do

  • You may access any part of the website to which access is open to all users.
  • Access to some parts of the website is only possible by password, for example to retrieve an insurance quote. You may only access these parts of the website if you have a valid password.
  • You may print off one copy only of any individual page for your own personal use, as long as you do not do any of the things set out under “What you are not allowed to do”; unless it is explicitly designed for that purpose.

What you are not allowed to do

  • All data information text images and layout are the exclusive property of Hiscox and must not be e-mailed, networked, shared, republished, reproduced, transferred or copied (other than for reasonable personal professional use e.g. audit trails or backups). All copyright intellectual and other property rights shall continue to be held by Hiscox and no rights of any kind shall pass. Any attempt to damage the site or act in contravention of these Terms and Conditions may give rise to legal redress and Hiscox Insurance Company Limited reserves the right to seek damages from such perpetrator.

Changes to terms and conditions and disclaimer

  • Hiscox may change the terms and conditions and disclaimer set out above from time to time. By browsing this website you accept the current terms and conditions and disclaimer. You should check these each time you revisit the site.

Changes to/operation of website

  • Hiscox may change the format and content of this website (or of any insurance products or services offered via this website) at any time.
  • Hiscox may suspend the operation of this website (or suspend provision of any insurance products or services offered via this website) for support or maintenance work, for content updates or for any other reason.
  • Hiscox reserves the right to stop access to this website (and to products and services offered via the website) at any time and without notice.

Data protection

  • We will only use your personal details in line with our privacy policy. Please read this carefully before proceeding. By providing your personal details to us you are consenting to its use in accordance with our privacy policy.

Purchase of products available through this site

  • Hiscox Underwriting Ltd is registered in England no. 02372789, at 1 Great St. Helen's, London, EC3A 6HX Hiscox Insurance Company Limited is registered in England no. 70234, at 1 Great St. Helen's, London, EC3A 6HX.
  • All quotations given through this website which are specifically described as ‘indicative quotes’ are intended as an indication only of your likely premium based on the limited information provided. They are not binding quotations. The premium quoted may vary once your full details have been submitted.
  • All statements made by you or information given by you to Hiscox are your responsibility. If you fail to disclose any relevant information or provide any inaccurate information, this may invalidate your insurance policy.
  • Once you have submitted a proposal for insurance via this website, the proposal will not be accepted (and you will not be insured) until you receive confirmation from Hiscox. This confirmation may be through the website or by email, telephone or post.
  • The decision as to whether to offer you insurance cover is at Hiscox's discretion and we are not bound to do so. In assessing whether or not to offer insurance cover in response to proposals submitted via this website, Hiscox will not refuse the proposal only because of automatically processed personal data. If the proposal is rejected by any automated decision making process, then the proposal is referred to people employed by, or on behalf of Hiscox.
  • The above referral process does not apply where a proposal is automatically refused because the type of cover requested is not offered by Hiscox through our website, for example where the level of cover requested is above the maximum level of cover available through this website. It is based on the restrictions set for the insurance products available through this website, however, this type of automatic refusal is not based solely on automatically processed personal data.
  • You may cancel your insurance in accordance with the relevant policy terms and conditions.
  • Once insurance has been effected by Hiscox (including any insurance effected following an update of an existing policy), Hiscox will promptly confirm with you that this is the case. Hiscox will also advise you of the relevant insurance premium and any fees or charges which are payable separately.
  • Hiscox will also provide you with a copy of the policy schedule.
  • Hiscox will notify you in writing of any changes to the terms and conditions of your insurance policy and will give reasonable notice for any changes which are due to commence.
  • You should keep a copy of all information sent to or received from us for your records.
  • Hiscox will try to reply promptly to all correspondence. We may reply by email or in writing.

How we handle complaints

If you have a question or complaint, you can contact us in one of the following ways:

In writing

Hiscox Customer Relations
The Hiscox Building
Peasholme Green
York Y01 7PR

By phone: 0800 116 4627 or 01904 681 198

By email[email protected]

We will try to resolve your complaint straight away. However, if it requires a more in-depth investigation, then we will aim to give you our final response within eight weeks. If for whatever reason this is not possible, we will contact you to explain the reasons why and let you know how long our investigations are likely to take.

Jurisdiction

  • This website is for UK residence and businesses only.
  • These terms and conditions are governed by and are to be interpreted in accordance with English law and in the event of any dispute arising in relation to these terms and conditions the English courts will have non-exclusive jurisdiction over such dispute.
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