Hiscox Home Insurance for Holbrook Clients

Hiscox is Holbrook's preferred Home Insurance partner. Unlike many standard insurers, Hiscox provide specialist insurance for special homes, where peace of mind is priceless. 

Hiscox UK
4.7

Rated 4.7 out of 5 for satisfied customer service

670 reviews

Hiscox 606 Home Insurance

Our 606 home insurance standard cover is anything but standard.

Our Hiscox 606 policy is a premium home insurance product designed specifically for owners of higher value homes and possessions, with cover up to £150,000 as standard for contents (plus art and collections, jewellery, watches and valuable items).

Our 606 policy  includes cover you wouldn’t expect to find with a standard home and contents insurance policy,  and contains features tailored to suit the needs of individuals with specialist or complex requirements such as high value items, art or collections or listed buildings.

We also offer unlimited cover on buildings and contents, subject to qualification criteria so you will never be underinsured for these 2 elements of the cover. 

 

Key features

  • 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 possessions when taken away from home.

  • Protection for you and your family - We provide specialist help and support if you and your family are involved in a covered incident such as identify fraud or aggravated assault following a burglary.

  • Protection for staff and visitors. Public liability and employers' liability cover of £10 million each (including COVID_19 physical and mental claims cover).

  • A common sense approach - No need to individually list jewellery  and watches under £25,000 in value, or fine art pieces under £50,000 in value if included in the overall sum insured.

  • Renovation and Extension – There is no need to notify us if contract works are under the value £100,000. Existing structure  and liability are already covered as standard with buildings cover.

Additional benefits and optional extras

Many of us are working from home as well as streaming more home entertainment. That means our broadband is almost – but not quite – as important as water, gas and electricity.

The good news is, if you suffer a loss of any of your utilities (gas, electric, water and, yes, broadband too) for more than 24 hours, then we will cover any increased costs to keep you working at home. There is no excess attached and the cover can be used to quickly hire a temporary broadband service or pay for additional data/streaming costs.

If you need to move out of your home because of a covered claim such as flood or fire, our ‘like-for-like’ promise means we will do all we can to find a similar property in your local area to minimise the disruption. This includes finding somewhere with home office facilities if you’ve been working from home. Don’t worry, you’ll still have a place for that Zoom call…

Bought anything new and precious? We automatically offer a 25% increase (up to £100,000) on your contents, jewellery and art cover for any new acquisitions purchased throughout the policy period. It means you’re more likely to be insured for the right values if anything happens. 

But don’t forget to tell us if you acquire anything that might be worth more than 25% of the stated sum insured during the policy and you adjust your overall sum insured on renewal.

We will also cover:

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

Recent pandemic measures like lockdown may mean you have been away from your home or other properties longer than usual. Relax. As standard we won’t ask for any onerous visiting stipulations. All we require is that you leave the heating on to a minimum temperature of 10 degrees centigrade to avoid freezing pipes, or drain the water system.

If your home or property is usually unoccupied for more than 60 days per year then let us know.

More people are using electric bikes and personal scooters to go to work, shop, or to escape! The good news is, under your personal liability cover you will be covered if you injure anyone or damage their property and are held legally responsible, provided the equipment has been used in accordance with the law.

If you have people working for you at home such as gardeners, au pairs, and cleaners, then our £10m employer’s liability may come in useful. Cover includes any proven claims for physical and mental injury, including claims relating to catching COVID-19 whilst working at your home.

Note this is an optional extra for an additional fee. 

Our cyber cover protects your personal computer, laptops, tablets or mobile phones along with the reconstitution of digital data, pictures and videos if they are damaged, altered or corrupted by a hacker.

Note this is an optional extra for an additional fee. 

With uncertainty around future lockdowns, quarantine requirements, and localised restrictions creating lots of uncertainty, we have updated our travel cover. That means there is no “travel against advice” exclusion when applied to medical expense claims. Cover for cancellation, curtailment and medical expenses arising from COVID-19 is included as standard provided the trip was not booked when travel restrictions to the territory were in place.

Note this is an optional extra for an additional fee. 

They say prevention is better than cure and that’s certainly the case when it comes to a leak in the home. Undiscovered, a leak could mean you being out of your home for a long period while we dry everything out and repair the damage. That’s where a LeakBot smart water leak device comes in useful, alerting you to any leaks before they become a major problem.

Qualifying 606 Hiscox customers will receive a FREE LeakBot smart water leak device – which normally costs £149 – and includes a free professional engineer visit if a leak is detected to help find and fix the issue (all labour and basic parts included).

Award winning home insurance

Hiscox have a long and proud history of home insurance expertise. Not only has our home insurance been rated 5 star by Defaqto for 14 years running, we have also been awarded the Consumer Intelligence award winner for Claims Satisfaction in 2018 and 2021, as voted for by over 48,000 householders

2021 Consumer Intelligence Award for Claims Satisfaction

Contact us

If you want to buy home or contents insurance from us, or if you already have a policy that you need to talk to us about, please call us on 0800 170 0994, 8:30am to 5:30pm Monday to Friday. 

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Terms and conditions apply, for full terms see below. Holbrook Property Finance is authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd is authorised and regulated by the Financial Conduct Authority. For UK residents only.

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. Holbrook Property Finance is authorised and regulated by the Financial Conduct Authority. For UK residents 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].

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

  • 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.
  • 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.

If you have bought your insurance online, you can also register your complaint with the Online Dispute Resolution (external link) website, which has been set up by the European Commission.

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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