|Cover type||Level of cover|
With Hiscox Buildings Insurance, unlimited cover is included as standard so whatever the value of your loss, you can be confident you’re covered. For certain claims, such as tracing and repairing a leak, there's a maximum amount we'd pay. However, the cover we provide is still higher than most other home insurance policies.
We cover the costs of repairing or replacing damage or loss to your buildings on an ‘all risks’ basis. Instead of only being covered for a limited list of risks, you're covered for anything that's not excluded in your policy documents.
With Hiscox Contents Insurance, unlimited cover for your general contents is included as standard so whatever the value of your loss, you can be confident you're covered. You only need to list any items, pairs or sets worth £15,000 or more and give us a total value for any jewellery, art and collections. For certain claims, such as the loss of money while away from home, there's a maximum amount we'd pay. However, the cover we provide is still higher than most other home insurance policies.
We protect your contents against loss and damage on an ‘all risks’ basis. Instead of only being covered for a limited list of risks, you're covered for anything that's not excluded in your policy documents.
|Jewellery and watches||We provide tailored cover for any jewellery, watches and gold you may own to make sure you get the right level of protection. Simply tell us how much cover you need in total and list any items, pairs or sets that are worth £15,000 or more.|
|Art and collections||We provide £10,000 of cover as standard for all your art and collections, and tailored cover if the total value of your art and collections exceeds £10,000. Plus, there's no need to list individual items, pairs or sets - you only have to tell us about items worth £15,000 or more.|
|Worldwide cover||Your belongings are covered away from home for up to 60 days at a time. Worldwide cover is unlimited, with the exception of unattended bags and luggage away from home which are covered up to £10,000.|
You don't need to tell us about new purchases as they’re already included - you only have to let us know about new items worth £15,000 or more.
If you acquire a new piece of jewellery or a watch, just let us know the new total value of all your jewellery and watches. Similarly, if you acquire a new piece of art or a collection that takes your total to over £10,000, simply let us know the new total value of all your art and collections.
|New for old||New for old cover is provided as standard, meaning we don’t make any reductions for wear and tear.|
This provides cover for damage caused by accident. We define an accident as something which happens suddenly, is unexpected and is either unintentional or has unintended consequences – such as kicking a football through your window, spilling paint on your carpet or dropping your watch on a stone floor.
It covers accidents caused by anyone insured by this policy and by third parties. It applies to your buildings, contents, and art and collections – plus your jewellery and watches if you've asked us to insure these for you.
Accidental damage cover is an optional cover. If you'd prefer to cover the costs of any accidental damage yourself, you can choose not to select this cover and we'll reduce your premium. Please consider this carefully as accidental damage caused 1 in 5 of the claims we paid in the last 3 years.
Damage from an accident which results in fire, escape of water, falling branches or aerials; or involving vehicles or aircraft; or accidental damage to underground pipes or cables would be covered even if you choose not to select accidental damage.
This provides cover for items which have been accidentally lost. We define an accident as something which happens suddenly, and which is unexpected and unintentional – such as having your wedding ring slip off your finger, losing an earring from your ear or leaving a bag on a train that cannot be recovered.
It applies to your contents, art and collections – plus your jewellery and watches if you've asked us to insure these for you.
Accidental loss cover is an optional cover. If you’d prefer to cover the costs of any accidental losses yourself, you can choose not to select this cover and we'll reduce your premium. Please consider this carefully as accidental loss caused 1 in 6 of the claims we paid in the last 3 years.
Loss caused by theft or attempted theft; or the loss of keys to external doors, windows, safes and alarms of your home would be covered even if you choose not to select accidental loss.
|Theft from outbuildings||We provide £10,000 of cover for theft from sheds, garages, barns and stables, subject to the exclusions in the policy documents.|
|Garden cover||We pay up to £10,000 for garden furniture and outdoor equipment left outside. We restore loss or damage to your garden, including up to £25,000 for fly-tipping and up to £1,000 for any one tree or shrub. We also cover physical loss or damage to fences, apart from loss or damage caused by falling trees, storm or flood.|
|Tracing a leak||We provide £10,000 of cover for the costs of tracing and repairing a water or fuel leak within your home and making good any damage caused by these repairs. We also cover water leaks from the underground service pipes serving your home.|
|Students away from home||We provide cover for loss or damage caused by theft to the belongings of all student family members, when violence or force has been used to enter or leave their accommodation.|
|Bicycles||We provide unlimited cover for bikes at home and £3,500 per bike while away from home providing it's locked to a fixed structure or within a locked building. If you have a bike worth more than this, just call and tell us how much extra cover you need.|
|Money||You are covered up to £2,500 for theft or loss of money, at home and while away from home.|
|Lost keys and replacement locks||We provide unlimited cover for the cost of changing locks if you lose the keys to outside doors, windows, safes and alarms of your home.|
|Moving house||Tell us that you're moving and your possessions will receive the same level of cover while they're in transit as when they're in the home.|
|Security advice and assistance||With Hiscox Home Insurance, you have access to the exclusive services of international security experts, Control Risks, who provide advice and support on all aspects of personal security – from emergency response and travel safety information to identity fraud assistance.|
|No hidden charges||Unlike many insurance providers, we never charge any fees for cancelling or making any changes to your policy.|
|Optional cover you can add to your policy|
|Home office||If you run a small clerical or administrative business from your home with no more than 2 employees, you can cover your home office against damage and loss. This includes furniture and office equipment up to £25,000, expenses for increased costs of work for events such as a failure of utility supplies for more than 24 hours, and protection against losing key files such as your sales ledger.|
|Legal expenses||Protect yourself and your family with £100,000 of cover for the cost of negotiating and pursuing your rights against a wide variety of legal issues such as employment disputes, clinical negligence and property protection. Get access to a legal helpline and pay no excess on any claims.|
|Home emergency||Get cover for home emergencies such as burst pipes, blocked drains or broken boilers. Simply call our 24-hour helpline and we'll organise an approved contractor to carry out immediate repairs and pay up to £1,000 per claim (including VAT) for labour, parts and materials. Plus there's no excess to pay.|
|No claims discount protection||Make one claim per policy year without reducing the no claims discount you've built up - which can be up to 25% for being claims-free for 5 years or more.|