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Product FeaturesDefaqto Benchmark Criteria<P><FONT size=2 face=Arial>The benchmark levels for each feature have been selected by Defaqto, an independent financial research company specialising in rating, comparing and analysing financial products. The levels selected do not represent accepted industry benchmarks or standards.</FONT></P>
Hiscox
Home Insurance
Our policy provides cover on a "new for old basis" for your contents. We provide new for old cover as standard, meaning we don’t make any reductions for wear and tear.Cover LevelNew for Old
If your home cannot be lived in due to any insured loss or damage, cover is provided towards the costs that may arise for alternative accommodation. In general, most providers can offer cover up to a percentage of the sum insured as the maximum amount they will pay. For example, if the contents sum insured is £40,000 and the insurer provides 20% of the contents sum insured, then the maximum payable for this cover would be £8,000. We provide like-for-like cover for alternative accommodation for up 3 years but no more than £150,000.Alternative Accommodation£20,000 or more
The cover that is provided under Contents insurance is usually “specified perils” which only covers damage to your household contents caused by perils such as Fire, Smoke, Lightning, Explosion, Theft or Attempted Theft, Storm or Flood and Subsidence. We provide “All Risks” cover which means that we cover your household contents and personal possessions against any physical loss or damage, subject to some policy exclusions. Cover is provided both inside and away from the home (anywhere in the world) during the period of insurance.Cover BasisAll risks
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 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 contents, and art and collections – plus your jewellery and watches if you've asked us to insure these for you.Contents - Accidental DamageStandard
Our policy offers a no claims discount as standard for each year that you do not make a claim on your policy.No Claims DiscountStandard
Valuables usually consist of items such as jewellery, watches, furs and precious metals such as gold, silver and platinum. Providers apply different limits for the total amount they will insure, with some specifying a monetary limit, for example £7,500 or a percentage value of the overall contents sum insured. We provide cover for all your unspecified valuables up to the sum insured you select and up to £10,000 for your ‘Art and Collections’ as standard.Valuables Inner Limit£30,000 or more
Where cover is available, most providers will apply a ‘single item limit’ for each unspecified item covered for items that are removed from the home. For example, your policy could provide £3,000 of overall cover for your ‘personal possessions’ but a single item limit of £750 is applicable. There is no single item limit applicable to items away from the home other than for bicycles where the limit would be £1,000. With our cover you only need to tell us about items worth £15,000 or more.Single Item Limit£5.000 or more
This provides cover for your personal belongings, valuables and clothing when these items are removed from the home. For example, this could include items such as jewellery, watches, cameras, phones, laptops, bicycles, sports equipment and clothing. Our policy provides cover for your contents and personal possessions when temporarily removed from the home for up to 60 days at a time anywhere in the world. Cover is provided for accidental loss or damage and theft.Personal PossessionsStandard
Our optional Legal Expenses cover will provide yourself and your family with 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.Legal Expenses - CoverOptional
Our optional legal expenses policy provides a maximum indemnity limit of up to £100,000 for all claims resulting from one or more event arising at the same time or from the same cause.Legal Expenses - Maximum Indemnity Limit£100,000 or more
We will contribute towards the costs of replacing or changing undamaged items or parts of items which belong to a set or a suite. Where this is available, most providers will restrict the amount which contributed to around 50% of the cost, we do not apply any type of restriction.Matching Items Coverfull
Valuables typically consist of items such as jewellery, watches, furs and precious metals such as gold, silver and platinum. Providers apply different limits for each single item, with some specifying a monetary limit, for example £1,500 or a percentage value of the overall contents sum insured. Our policy includes a single item limit of £15,000 for unspecified valuables.Valuables Single Limit£7,500 or more
Sum Insured Protection reflects how your contents sum insured is protected. For example, some providers allow you to choose the level of cover your require and apply ’index linking’ to the sum insured, while others provide a blanket sum insured of £50,000 or more. Your Hiscox policy automatically provides an “unlimited” contents sum insured. This means that whatever the value of your loss, you can be confident you're covered. For some claims, such as tracing a leak, losing money while away from home or retrieving lost data, we apply certain limits which are detailed in the policy documentation. Sum Insured Protection£60,000 or more
Cover is provided for the cost you or a member of your family legally has to pay for causing bodily injury or physical damage to property which is caused by an accident happening during the period of insurance.Personal Liability£5m or more
If your house keys are stolen, we will cover the costs of replacing and installing the locks of your outside doors, windows, safes and alarms of your home.Theft of Keys£750 or more
If you lose your house keys, we will cover the costs of replacing and installing the locks of your outside doors, windows, safes and alarms of your home.Loss of Keys£750 or more
Unlike other providers, if you wish to pay your premium in monthly instalments we do not apply a direct debit fee.Direct Debit Mandate Free of ChargeYes
Unlike other providers, we will allow the property to be unoccupied for up to 60 days before applying conditions.Unoccupancy Period60 days or more
Unlike other providers if you make an adjustment to your policy such as a change of address, we do not charge a fee for the administration work needed.Adjustment Fee£0



18 September 2020