Hiscox insurance for IoD members

Hiscox is the preferred home and specialist business insurance provider for the IoD. We’ve been working together for a number of years to bring a specially negotiated discount on our standard home insurance rates and business insurance rates to IoD members.

Hiscox UK

Rated 4.7 out of 5 for satisfied customer service

670 reviews

Award winning home insurance

Hiscox has a long and proud history of home insurance expertise. Not only has our home insurance been rated 5 star by Defaqto for 2022, 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

Say hello to LeakBot

Hiscox is proud to be the first UK insurer to partner with LeakBot to offer our buildings insurance customers a free leak detector service. The UK home insurance market has seen a significant increase in claims from water damage over the past few years so we want to help customers prevent the damage and disruption this can cause to you and your family.

What does LeakBot do?

  • monitors your home – LeakBot works 24/7 to monitor your home for both visible and hidden leaks and bursts
  • alerts you to leaks – instant alerts are sent to your smart phone via SMS and email if there is a problem
  • provides an expert solution – when a leak is detected an expert LeakBot engineer can be sourced to find and fix it

Request your FREE LeakBot

Claim your free LeakBot water leak detector here. This offer is available to building insurance customers only and is not available for those who only have contents insurance.

You will also receive one expert engineer visit each year if needed to find and fix any leaks with standard parts and labour all included at no extra cost.  

Terms and conditions apply.

Plus you get a free engineer visit from a specialist LeakBot engineer.

Frequently asked questions

If you are unsure as to whether or not Hiscox will be able to provide a quote for your home and/or contents due to any particular reason, why not give us a call first to discuss your options. We are always happy to discuss what options there are to find a solution for you.

  • The rebuild cost of the property or properties you wish to insure.
  • The value of contents (excluding fixtures and fittings).
  • The value of your jewellery and any specific pairs/sets over £15,000 in value.
  • Details of any claims you have made in the last 5 years.

If you are unsure as to whether or not we will be able to provide a quote for your home and/or contents due to any particular reason, why not give us a call first to discuss your options.

In some instances you may be better suited to find alternative insurances more appropriate to your needs i.e. for properties with a rebuild value under £250,000, but we are always happy to discuss what options there are to find a solution for you.

What we can't cover

  • Customers aged under 25.
  • Customers with prior bankruptcies or criminal convictions.
  • Unoccupied properties, those with a rebuild value under £250,000 or a market value under £200,000.
  • Standalone second homes, holiday homes, or let properties.

12.5% 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 840 2331

Open: Mon - Fri, 9:00am to 5:00pm | Excludes bank holidays


12.5% discount on renovation and extension insurance

If you plan to carry out building works on your home, it's worth considering Hiscox Renovation and Extension Insurance. We offer market-leading protection that gives you complete confidence that your buildings, contents and materials are fully covered if anything goes wrong.

Number one

12.5% discount on second home insurance

When it comes to insuring your UK second home, there’s no need to compromise on cover just because you’re not there all the time. If your main home is insured with Hiscox, we can insure your second home too – giving each the same high-quality buildings and contents cover.


12.5% discount on business insurance

We also offer a range of business insurance products, finely tailored to the needs of more than 400,000 UK businesses (based on the number of policies sold in 2021). As an IoD member you can benefit from a 12.5% discount on selected business insurance products. 

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 0808 1492 659, 9am to 5pm Monday to Friday.

Alternatively you can email us at [email protected]

Make a claim

If you need to make a claim for your home or contents then our award-winning team is here for you.

How to make a claim

To make a claim, please call us on 0800 247 1902 (9am to 5pm Monday to Friday) and select the option to make a claim, or email us at [email protected]. From mobiles or overseas, call +44 (0) 1904 618 200.

When emailing us, please be sure to include the following things so that we can identify your policy and assign you a dedicated claims handler as soon as possible:

  • Your full name
  • Address and post code
  • Circumstances of the claim
  • Contact phone number
  • Your policy number (if available)

If you have an emergency and require the immediate assistance of a tradesperson, please call our 24-hour help line on  0800 042 0342 if you bought directly from Hiscox. Please note that if you bought your policy directly, you will need to also have purchased home emergency cover, in order to benefit from this service.

What else you can do

Make sure you report any stolen items to the police as soon as possible. If you need to take action to prevent further damage or loss then please do this (bearing in mind that we need to assess the circumstances before we can confirm cover).

What happens next

If you have notified us of your claim by email, your dedicated claims handler will contact you within 48 hours to let you know if they need any more information from you. 

You can rest assured that your claims handler will be experienced in your specific type of claim and will understand any concerns you may have. They will appoint external experts if necessary and be there to support you every step of the way.

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 residents only. 

Any discount is only applicable to policies introduced via the partner, whether existing or new, but could not be applied to policies that are being managed by an alternative third party such as an insurance broker.


The discount you can benefit from on a Hiscox Home Insurance policy is 12.5% 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 12.5% discount on business 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.

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.


  • 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.