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Hiscox UK review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Hiscox UK is an insurer for unusual homes, classic cars and landlord properties, not for average household contents, and it writes policies directly rather than through a broker. Buildings cover runs to GBP 100,000, and claims can be raised on phone, online and post.

Key facts

Best for
Unusual or listed homes, classic cars and landlord buildings, insured by the provider itself.
Insurance types
Home, Renters, Landlord, Auto, Home-emergency↗
Provider type
Insurer↗
Cover limit
GBP 100,000↗
Claims channels
Phone, Online, Post↗
Legal entity
Hiscox Underwriting Ltd↗
Headquarters
United Kingdom↗
Support channels
Phone, Chat, Email, Help-centre↗
Official website
hiscox.co.uk

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
XLinkedInhiscox.co.uk

Pros and cons

Pros

  • An insurer rather than a broker, so Hiscox Underwriting Ltd carries the risk itself.
  • One provider across home, renters and landlord, letting a home and a car sit with the same insurer.
  • Claims can be raised on phone, online and post, including by post for anyone who prefers writing.
  • Regulated in GB under a Financial Conduct Authority licence, 308922, and a joint Financial Conduct Authority and Prudential Regulation Authority licence, 113849.

Cons

  • Support runs on phone, chat and email, so help comes by phone, chat, email or help centre rather than through a branch or an adviser.
  • Cover stops at the lines in home, renters and landlord, with no life, health or travel policies written.
  • Buildings cover is offered to GBP 100,000, so a higher rebuild value needs its own limit agreed at application.
Hiscox UK

Ready to try Hiscox UK?

Scored 9.5 / 10 by SumCue.

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Who it suits

  • Homeowners with an unusual, listed or older property rather than a standard build.
  • Drivers of classic or non-standard cars, and landlords letting out a home.
  • People who prefer dealing with the underwriter itself, since the provider is an insurer based in the United Kingdom.

Who should look elsewhere

  • Oney Préstamos ES fits a buyer after health, life and gadget cover, health, life and gadget, which Hiscox UK does not write.
  • Linxea writes life cover, life, so it suits someone buying a life policy rather than insuring a home or car.
  • EuroAsia Insurance covers auto, home and travel, a mix that includes travel for anyone wanting one provider across more categories.

How Hiscox UK compares

Where Hiscox UK is available

Available
United Kingdom
Licence in United Kingdom
Financial Conduct Authority (308922), checked September 26, 2026
Licence in United Kingdom
Financial Conduct Authority and Prudential Regulation Authority (113849), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does Hiscox UK actually insure?+

The insurer writes home, renters and landlord. That is a personal lines mix aimed at property and vehicles rather than savings or lending products, and the policies come from Hiscox Underwriting Ltd rather than from an intermediary.

Who regulates Hiscox UK in the UK?+

Two UK permissions are on record: a Financial Conduct Authority licence, 308922, and a joint Financial Conduct Authority and Prudential Regulation Authority licence, 113849. Both apply in the United Kingdom, where the provider is based.

How much cover is on a building?+

Buildings insurance is offered to GBP 100,000. Anything above that has to be set at application, so a property with a higher rebuild cost needs its own limit agreed rather than relying on the standard figure.

How do I make a claim?+

Claims can be raised on phone, online and post, so a claim can start with a phone call, online or by post. A claim handled in writing suits anyone who keeps documents at home rather than dealing with an insurer on a call.

What help can I get outside a claim?+

General support runs on phone, chat and email: phone, chat, email and a help centre. That is separate from the claims lines in phone, online and post, so a policy question and a claim do not follow the same route.

Is Hiscox UK the insurer or a broker?+

It is the insurer, listed as an insurer in the company and regulatory information, and the underwriter is Hiscox Underwriting Ltd. Policies are written by the company named in the licence records rather than handed to a third party.

Does Hiscox UK cover life, health or travel?+

Not among the lines in home, renters and landlord. Oney Préstamos ES writes health, life and gadget, Linxea writes life, and EuroAsia Insurance covers auto, home and travel, so those categories point elsewhere for a household shopping across several lines.

Sources

  • hiscox.co.uk/company-and-regulatory-information checked September 26, 2026

    Backs: Provider type, Headquarters, Legal entity, Licences

    “Hiscox Insurance is underwritten by Hiscox Underwriting Ltd (registered in England and Wales, no. 2372789) on behalf of Hiscox Insurance Company Limited”

  • hiscox.co.uk/help-and-support checked September 26, 2026

    Backs: Claims channels, Support channels

    “If you need to make a complaint, you can contact us in one of the following ways: In writing: Hiscox Customer Relations ... By phone: 0800 116 4627 or 01904 681 198 ... By email”

  • hiscox.co.uk/home-insurance checked September 26, 2026

    Backs: Insurance types

    “Landlords insurance can protect you and your tenants... We also protect you at home, with home insurance that protects your house and its contents”

  • hiscox.co.uk/home-insurance/buildings-insurance checked September 26, 2026

    Backs: Cover limit

    “Legal expenses cover protects you and your family with up to £100,000 to cover the cost of negotiating and pursuing your rights”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Premium from, Monthly payments.

Hiscox UK

Hiscox UK

Unusual or listed homes, classic cars and landlord buildings, insured by the provider itself.

9.5/10See alternatives