Hiscox Home Insurance

Updated: Every six months. Details correct at the time of publication - September, 2008.

Hiscox is a specialist insurer that aims to deliver real value to the customer in its specialised areas. Its focus is on people with higher value homes and possessions and it claims it can cover just about any type of valuable property in the world.

The company offers both buildings and contents home insurance (also known as ‘house insurance’ or ‘household insurance’). Hiscox home insurance has been awarded five stars by independent financial research company, Defaqto.

There is wider cover than normal in most areas and there is no need to list fine art, jewellery or antiques on your policy or provide valuations for them up-front. You are fully covered during the process of moving house, and there is free family legal protection up to £50,000. It also offers unlimited cover for freezer contents (with no excess to pay), protection for credit cards up to £10,000 and money up to £1,000.

Other key benefits include 24hr home emergency cover to provide insurance for emergency repairs up to £500. Hiscox buildings insurance features accidental damage cover as standard and a 24hr support and online information service. Hiscox boasts that with no forms to fill-in many claims are settled within one working day.