This is a specialist page for Hiscox business insurance. Disclaimer The following details are not an endorsment of Hiscox business insurance; we encourage you to shop around before you choose your business insurance provider.

Hiscox Buildings and contents insurance

Significant Features and Benefits

The policy is specifically designed for people with higher-value homes and possessions, which means you get broader cover to suit your needs.

• Hiscox business insurance is one of the few direct insurers to cover your possessions away from your home including full accidental damage and loss cover as standard
• Nearly half the claims Hiscox business insurance paid in 2006 would not have been covered by a standard policy
• With no forms to fill in many claims are settled within one working day, and if a visit is needed, Hiscox business insurance are able to issue a cheque of up to £10,000 on the day
• 97% of clients (surveyed Jan 06 to Nov 06) who suffered a household loss were satisfied with their expert claims service
• Free access to Control Risks´ 24 hour support and online information services providing you with advice and assistance on personal security, from safety abroad to ID theft at home
• If you have building and contents insurance with Hiscox business insurance, you only pay one excess charge, and have to deal with one insurer, in the event of a claim
• 24 hour Home Emergency cover is automatically included and provides cover up to £500 to repair things like burst pipes

Policy benefits

Because Hiscox business insurance are selective about who they insure, they are able to pass on the benefit of lower claims costs to you through broader cover. Detailed below is a general comparison of the Hiscox policy against a typical, run-of-the-mill business insurance policy.

What is a Policy Summary?

This document provides key information about the Hiscox Home and Contents policy. If you have any other questions then call Hiscox on 0800 247 1201 (for queries about policy applications), 0845 330 0505 (for any other enquiry), or email Hiscox at
contactus@hiscox.com.
Policy name: Hiscox Home and Contents
Type of insurance: Home and contents insurance
Underwritten by: Hiscox Insurance Company Ltd (Family Legal Protection cover underwritten by DAS Legal Expenses Insurance
Company Limited and Home Emergency cover is underwritten by Inter Partner Assistance SA).

Key Benefits Include:

• Hiscox contents cover protects your possessions in the home and whilst temporarily away from the home wherever they are in the world
  
• Accidental loss and damage included as standard (most policies will only cover possessions inside the home against named perils such as fire, storm, theft, flood etc)
  
• Hiscox buildings insurance also includes full accidental damage cover
  
• No need to list items of fine art, jewellery and antiques on your policy or provide valuations up-front for them to be covered
  
• A practical approach to security. For example, while Hiscox business insurance may ask for a minimum level of security to be in place at your home, Hiscox business insurance normally leave it to your sensible discretion as to whether the security is put into operation each time you leave the property orretire to bed at night
  
• Public liability (£5,000,000) and Employers’ liability (£10,000,000) cover included
  
• Less onerous conditions and more generous limits than in a standard policy
  
• Outstanding, paperless claims handling service
  
• 24 hour Home Emergency cover is automatically included and provides cover for emergency repairs up to £500 per incident
  
• Family legal protection cover included (up to £50,000)
  
• Legal, Tax and Counselling helplines

Significant or Unusual Exclusions/Limitations

Hiscox business insurance offer some of the broadest levels of cover available, giving Hiscox business insurance customers true peace of mind.
You will normally have to pay the initial £250 for each claim on any buildings and contents losses. All subsidence claims are subject to a £1,000 excess. These excesses may vary by your choice and/or underwriting criteria. Your quotation and policy schedule will show the specific excesses applicable to you. No excess applies to the Home Emergency cover.
Under the Family legal protection cover there is no cover for contract disputes relating to your profession, business or employment.
Any special conditions and terms that may apply will be found in your individual quotation and schedule.

Duration of Contract

This is an annual policy with a choice of payment methods. We strongly urge Hiscox business insurance customers to review their policy each year to ensure they have adequate cover in place.
Hiscox business insurance will normally write to you before the end of the period of insurance and offer to renew your policy for a further 12 months. Hiscox business insurance will tell you the premium and any change in conditions for the new period. If you pay the premium your policy will then continue automatically unless you notify Hiscox that you do not wish to renew.
Hiscox business insurance will tell you at least 21 days before the end of the period of insurance if they cannot offer renewal of your policy.

Cancellation Rights

You may cancel your policy within 14 days from the date you receive the policy documents by calling 0845 330 0505. You will then receive a full premium refund.
You may cancel your policy at any time by notifying Hiscox business insurance. If you have not made a claim, Hiscox will return any premium you have paid for any period of insurance left.
Hiscox may cancel this policy by sending you 30 days’ notice by recorded post to your correspondence address shown in the schedule. Hiscox will return any premium you have paid for any period of insurance left.
However, Hiscox business insurance will not return any premium if the amount is less than the minimum refund shown in the schedule.
If you pay the premium by instalments and an instalment remains unpaid after 14 days, Hiscox may cancel this policy from the date the last instalment was due.

Claims Service

• It is when you make a claim that you really find out how good your insurer is and Hiscox are confident you will not find a better service from any other UK insurer. Hiscox prides itself on its fast, efficient, fair and sensible claims service, offering:
  
• No deductions for wear and tear, even on clothing
  
• A guarantee to pay interest on any claim over £2,500 not paid to you by us within 4 working days of receiving a signed agreement form. Hiscox can only keep this promise if your bank is in the United Kingdom and if you give us your bank details at the time you sign the acceptance form. This promise cannot apply if you ask Hiscox to pay by another method.
  

If you suffer a loss and need to make a claim you should contact Hiscox immediately on our claims lines:

• For Buildings, Contents and Liability claims call 0845 330 0505
  
• For Family legal protection claims call 0845 601 5094
  
• For Home Emergency claims please call 0845 213 8400
  

For all claims you will need to provide your Hiscox policy number and full details of the claim, including the date, amount and circumstances.

Details correct at time of publication. . Terms and conditions can change, this web site is not responsible for the publication of current policy delails. Please check details before applying.... Disclaimer