Hiscox Arvostelua 948

I was with Hiscox for 16 years and made my first claim for accidently damaged item in 2024 and then my husband lost his zeiss glasses from his pocket while out walking in 2025 so I put in a claim to get a replacement pair. Both were paid but when I recieved my renewal my excess had gone up to £2500 from £0 (2 and a half thousand per cent increase .) No care for long standing customers who had 14 years with no claims.

They have a questionable cancellation practice. When signing up for small business E&O coverage I was told that while they only sell annual policies I can cancel at any time and that the first payment will be the equivalent of 2 months (first and last), followed by monthly installments. The quote did not specify any cancellation terms. Their policy (sent after sign up) fails to mention that if you cancel a couple of months into the term, they will keep the last month that was prepaid. It just says it vague terms: "If the Named Insured cancels this Policy, the refund may be less than pro rata." I find this very misleading.

After 11 years as a customer my renewal quote for General Liability insurance was a 660% increase on last year. From $600 to $4000, almost 7 (seven) times more expensive than last year. I also had to call them four times to get anyone helpful on the phone. On my fourth attempt I encountered Amber (who was super helpful) who escalated my case and spoke to a supervisor. She was genuinely embarrassed and apologetic to tell me what my renewal quote was. Thanks a lot for 11 years of being a loyal customer!

Hiscox refused to payout my business claim after all my equipment was stolen, stating that I had left it unattended, as I was loading my vehicle and it was 20 metres away.
They are no better than the thieves who took it, in fact they are worse, as they pretend to be on your side whilst your paying them.
Utter scum.
Save your money, there's absolutely no point giving it yo Hiscox.

Used hiscox for 12 years. Policy kept increasing in price. But still stayed. Eventually they dropped me without any communication and when I tried to send an accord to a vendor, they denied me saying that hardscapes are no longer covered because we dig deeper than 2 feet. I wish someone had given me some notice before that hiccup. Then they also denied a claim saying it was misclassed. This company is a total scam and they don’t care if you’ve been paying them for years. They don’t give a @&$@ about their customers. Move on. There’s way better options out there. Terrible company terrible service.

Matt Thompson was prompt, professional,and is the guy for the job. Thanks so much

It's next to impossible to get in contact with them. No email (I tried the customer support email but got a "this email is unmonitored" auto-response). Tried calling multiple times and while someone did pick up, their voice was SO muffled and the audio was very challenging to hear with any level of clarity (I needed the contact info they were sharing and even asked them to slowly and loudly spell it out when the first 4 tries were too unclear but I still got the wrong email apparently, since it bounced back).

They also randomly stopped covering pet training (I never had a single claim) and notified me of non-renewal. That would've been fine IF they hadn't followed up with several emails that demanded me to urgently renew!! If you're going to stop covering a particular type of business, then maybe figure out how to not bombard former customers with contradictory messages. Absolutely awful, overpriced experience. I went to a different company and now get the same level of coverage for half the cost I paid for a Hiscox policy. What an unprofessional communication nightmare of a company to deal with.

I purchased a Hiscox Loss of Licence insurance policy on the understanding that it would provide financial protection in the event that I became medically unfit to hold my pilot’s licence. I fly the A320 for an airline in the UK. The policy wording provided to me was, in hindsight, ambiguous regarding the definition and evidential requirements of a “long-term unfit assessment". In addition, I was not provided with all legally required policy documentation at the time of purchase or thereafter, which prevented me from fully understanding the policy conditions and claim requirements.

Following the loss of my licence, I submitted the medical assessment the insurer specifically requested. Based on the information available to me and the insurer’s instructions, I reasonably believed this assessment met the policy requirement for long-term unfitness; there is no other available assessment from the CAA other than an unfit letter, and this is what was provided.

My claim was later declined on the basis that the assessment did not meet Hiscox’s own interpretation of what constitutes a “long-term unfit assessment", despite no clear or unambiguous definition having been provided to me at policy inception. Hiscox was of the belief it was a document from the CAA to say I was unlikely to fly again; in reality such a document does not exist and was not detailed in the policy document, hence I could not provide this.

Hiscox is now attempting to rely on policy documents (IPID), definitions and evidential requirements which were not provided to me prior to or at the time the policy was taken out, nor made available to me until I complained. I was not aware until after raising a complaint that legally required documentation was missing.

This would appear to be bear similarities with their behaviour regarding business interruption cover during covid.

I have considered if it is reasonable or fair for the insurer to rely on undisclosed documentation to decline a claim, particularly where the insurer has failed to demonstrate when or how such documents were provided in accordance with the FCA rules.

Insurance in the UK is regulated by the FCA, and the ICOBS rules are intended to ensure policies are clear, fair and not misleading and claims are handled fairly. Based on my experience, I do not feel this policy or the way my claim was handled met those expectations.

I dispute the claim decision. I acted in good faith and in accordance with the insurer’s requests. Any ambiguity in the policy wording, failure to provide required documentation, or reliance on undisclosed definitions should not operate to my detriment. The insurer’s approach has resulted in the policy failing to perform the function for which it was purchased.

The handling of this policy and claim demonstrates a catalogue of errors, including but not limited to: ambiguous policy wording, failure to provide legally required documentation, unclear and undisclosed evidential standards, inconsistent communication regarding claim requirements and reliance on documents and definitions that were not supplied to the policyholder.

Taken together, these issues raise concerns about the transparency, fairness and reliability of Hiscox as an insurance company. Despite an elapsed period greater than 12 months, Hiscox have made no offers or attempts to mitigate for their legal and administrative blunders.

As a direct result of the declined claim, I have suffered significant financial consequences, including the exhaustion of my personal savings.

Having had this experience, I have become more knowledgeable than the average consumer to understand what is fair and reasonable and my conclusion is as follows: an insurer cannot fairly decline a claim by relying on evidential standards that were neither clearly defined nor capable of being met in practice, particularly where the insurer itself requested the evidence later deemed insufficient. Where required policy documents and definitions are not disclosed at the point of sale, any resulting ambiguity or misunderstanding must reasonably be construed in favour of the policyholder, not used retrospectively to deny a claim.

In light of my experience, others should consider very carefully if they want to be insured through Hiscox. A policy that depends on unclear definitions and undisclosed documentation may not provide the financial protection a reasonable consumer would expect at the point of purchase, particularly when the policy is intended to respond at a time of vulnerability.

I called and an associate confirmed they would cancel my policy. They did not, and later billed me. It is insanely difficult to get in touch with anyone at the agency to cancel policy or to rectify this. Would highly recommend taking your business elsewhere.

The managers and customer service advisors are unprofessional and fail to listen to consumers. Highly do not recommend anyone use Hiscox as they will waste your time and resources and make something that takes 15mins take 2 weeks.

Expensive, almost impossible to cancel, and overdue a refund of my cancellation despite contacting them twice.

It’s cheap insurance with minimal protection and no customer service. David Bachman took over a case that was originally with another insurance claim specialist named Jennifer Neidermeyer and both were not helpful, yet might have been Johnny on the spot for other claims. There are other insurances out there. Try those.

Hiscox used to be great, but they are now atrociously bad. Difficult to work with. Increase premiums by 10x ($2.2k to $24k without any reason). The website is buggy and outdated, the service is unprofessional. Move on... So many other better companies

I would never recommend this company. The authorized user on this account left the company. When we determined we no longer needed the insurance policy, it was borderline impossible to cancel. I was told multiple different ways to submit the cancelation. When I said we were not approving them to charge our credit card, they basically said too bad you aren't authorized to make that change. It's totally unacceptable to be unable to cancel a policy.

I can see the others have had a bad experience, but my experience was good. My lap top was damaged, they not only accepted the claim - it was part of my cover - but the money was in my account within a week of claiming. Which matterted as I had had to pay for the repair upfront. I'm impressed.

Avoid. Made a perfectly valid claim on my business insurance for the theft of some of my equipment which Hiscox rejected. Pointless having insurance with them.

I’ve been with Hiscox since 2020, paid on time every month, claimed once 5 years ago. When I dropped my laptop, it blue screened then failed to turn on. I use it for editing and animation, I assumed they’d help me out quickly, especially since I flagged I had an international shoot coming up. Instead, I got questioned about whether it was even a business device, despite all the editing software on it (not that I could prove it, since the laptop wouldn’t even turn on).

I explained I was flying abroad to shoot a trailer, gave them the dates, told them I needed it sorted fast. But the whole process felt slow, cold and hindered by bureaucracy. They insisted on sending it off for assessment, there wasn’t enough time. Discretion was required and found wanting.

They explained their POV and I understand processes have to be followed but in this case for such a small claim of £750 I think they could have responded with a bit more openness to negotiate rather than throwing this into the long grass and effectively leaving me with no choice.

Have had a policy with them for years. Never had a claim. Wrote to them to end my coverage because I retired (sent certified letter) bounced back as "vacant office, cannot deliver" -- I used the Hiscox address that appears on the invoice. Tried emailing them 3 times in the past month -- "mailbox full not receiving incoming emails." Poor way to run a legitimate business.

The most unprofessional individuals I've ever dealt with

After 10 years they cancelled my business policy.
Due to insured loss history.
Isn't that the point of insurance.
Maybe 5 small losses in 10years = nonrenewal for loss history.
Well then they probably shouldn't do Insurance