Hiscox Overseas Home Insurance

What do I need to get a quote?

Getting a home insurance quote normally takes about 8 minutes. But having the following at hand could speed things up:

Your property’s build date:  you can find the actual date in your mortgage survey or home buyer’s report

The date you bought your house or when you moved in.

Locks and alarms: Confused provide useful lock pictures to help you find which locks you have fitted.

Details and cost of any claims in the last five years: This’ll be stated in your renewal documents. Alternatively contact your previous insurer.

The rebuild cost of your house:  Confused will often fill this in for you. But you can also calculate it yourself, or hire a chartered surveyor to carry out an assessment.

The total cost of your personal belongings: If you don’t know this, you can use the Confused.com contents calculator.

The details of any items you wish to insure that are worth over £1,000.

Roof type: Which materials are used on your roof – such as asphalt shingle, tile, slate or thatched.

What does home insurance cover?

Home insurance falls into 3 categories – buildings, contents and combined buildings and contents insurance policies.

Buildings insurance covers the bricks and mortar of your home, and contents insurance covers your belongings. Typically, contents are anything you can pack up and take with you if you move home, such as furniture, clothes, and TVs.

Combined buildings and contents insurance policies can help reduce the cost of home insurance, but they’re usually only suitable if you own your home. They insure your property against damage, but also cover your belongings under the same insurance policy.

You can compare all three policy types through Confused.com.

You can also add optional extras to your policy, such as home emergency cover and legal cover – however, some providers might include these as standard. Accidental damage cover is another extra worth considering, as it covers unintentional one-off incidents that harm your property or its contents.

For example, putting your foot through the floor when you’re up in the loft, or spilling red wine on the carpet.

What’s covered

Cover for your property, possessions and more.

Damage to your property and possessions

• Caused by events such as fire, theft, subsidence and flooding
• Includes damage to garages and outbuildings and their contents

Cost of alternative accommodation (including loss of rent)

• We’ll pay for accommodation if your home can’t be lived in due to damage covered by your policy
• And if you’re a landlord, we’ll also cover you for any lost rent while the property is uninhabitable

Liability protection for injuries or property damage

• If you’re legally liable as the homeowner or occupier or if you’re an employer of domestic services (eg a cleaner)

What’s not covered

Unfortunately, we can’t cover everything – make sure you’re happy with what’s not covered, including:

• Wet rot, dry rot or frost damage
• Damage that’s been caused over time
• Fences, gates or hedges damaged in a storm
• Claims for poor workmanship or faulty design

Take a look at our policy wording for full details of what’s not covered.

*10% of all customers buying home buildings and contents insurance with us from February 2018 to April 2018 paid £99 or less. The price you pay will depend on individual circumstances, cover choosen and payment method selected.

** Excludes optional covers. Minimum price applies.

What’s covered

Cover for your property, possessions and more.

Damage to your property and possessions

• Caused by events such as fire, theft, subsidence and flooding
• Includes damage to garages and outbuildings and their contents

Cost of alternative accommodation (including loss of rent)

• We’ll pay for accommodation if your home can’t be lived in due to damage covered by your policy
• And if you’re a landlord, we’ll also cover you for any lost rent while the property is uninhabitable

Liability protection for injuries or property damage

• If you’re legally liable as the homeowner or occupier or if you’re an employer of domestic services (eg a cleaner)

What’s not covered

Unfortunately, we can’t cover everything – make sure you’re happy with what’s not covered, including:

• Wet rot, dry rot or frost damage
• Damage that’s been caused over time
• Fences, gates or hedges damaged in a storm
• Claims for poor workmanship or faulty design

Take a look at our policy wording for full details of what’s not covered.

* Excludes Home Emergency and Home Legal expenses

• Choose from 4 levels of cover: Essential, Plus, Premier and Specialist
• Up to £100,000 in legal cover
• Accidental damage cover
• From £50,000 to Unlimited Alternative Accommodation Cover if you can’t stay in your current home as the result of an approved claim
• Cycle cover up to £5,000
• Garden cover up to £5,000
•  Our quality Home Insurance is tried, tested and recommended by 9 out of 10 customers
• Defaqto 5 Star Rating

• 20% discount for new customers purchasing online. Minimum premiums apply. Discount is automatically applied when you get a quote. 20% discount for Essential, Plus and Premier cover and 15% for Specialist. Discount does not apply to any optional features you select when purchasing Specialist Insurance
• Defaqto 5 Star Ratings applies to Premier and Specialist Home Insurance only. Based on 731 customers

What’s covered

Buildings cover – Up to £1 million for damage or loss to your walls, roofs, driveways and patios, as well as permanent fixtures such as kitchen units, bathroom fittings and fitted wardrobes.

Contents cover – Up to £50,000 for your household goods on a new-for-old basis, including furniture, carpets, home entertainment equipment, frozen foods and business equipment.

Trace and access – Up to £5,000 for cost of replacing any parts of the building that were damaged to help get to escaping water.

Alternative accommodation – Up to £40,000 (if you have combined buildings and contents insurance) towards alternative accommodation for you, your family and pets if your home is uninhabitable while it’s being repaired after an insured event.

24/7 emergency helpline

Optional upgrade to Home Plus or Select Premier Insurance, giving you cover for personal possessions , accidental damage, home emergency, family legal protection, professional fees

What’s not covered

Wear and tear, maintenance and routine decoration

Theft, vandalism or accidental damage caused by a paying guest or tenant

The cost of repairing or replacing items following a mechanical or electrical fault

Damage or theft if the house has been unoccupied for more than 60 days in a row

What’s covered

Cover for your garden and plants – up to £1,000 for landscaping and £1,000 for plants in total or £250 per plant

Legal advice line – helpline that’s open 24/7 so that you can talk to an expert about any legal questions or problems that are playing on your mind

Alternative accommodation – if an insured event leaves you without a roof over your head (limits apply)

12-month guarantee on all building works by our approved repairers

Up to £1,000,000 buildings insurance plus up to £50,000 contents insurance as standard

24-hour emergency helpline

Optional upgrades: cover for personal possessions , accidental damage, home emergency, family legal protection, professional fees (all included with Home Plus policy)

What’s not covered

Wear and tear, maintenance and routine decoration

Theft, vandalism or accidental damage caused by a paying guest or tenant

The cost of repairing or replacing items following a mechanical or electrical fault

Damage or theft if the house has been unoccupied for long period

• Choose Buildings Cover to suit you – Standard Policy offers £400,000 and Superior Policy offers £750,000
• 24/7 Home Emergency Cover comes as standard with our Superior Policy
• Choose the right contents cover for you – Standard Policy offers £50,000 of cover, and Superior Policy offers £75,000 including Home Emergency Cover
• Includes £1,500 of Technology Cover and £500 of Personal Items cover – which you can flex up or down
• New for old replacement as standard on stolen, lost or damaged items
• Replacement lock cover
• At Birthdays, Christmas and other festive holidays, we’ll up your cover automatically by £3,000 to protect your extra things
• Renting your home? Only pay for the cover you need with our Renters Insurance
• Personalise your cover with extras like Accidental Damage, Personal Items, Technology & Entertainment Cover, Garden , Bicycle, Legal Expenses Optional cover

• 20% discount is applied with up to 4 years no claims for either Buildings or Contents or both. There is an additional 10% discount for buying a Buildings and Contents combined policy.
• Excess ranges from £50 to £500 when you buy the policy.
• There is an additional £250 excess for escape of water and £1,000 for any subsidence claims

What’s covered

• Pay monthly at no extra cost (0% APR Representative)
• No hidden admin fees
• Low standard excess of just £45‡
• ‘New for Old’ cover
• Choice of buildings or contents insurance or both
• Buildings insurance for up to £500,000†
• Contents insurance for up to £60,000
• Award-winning service^
• Home insurance designed for the needs of over 50s

What’s not covered

• Buildings Insurance – Loss or damage caused by weight of snow. Loss or damage to gates and fences caused by storm or flood.
• Contents Insurance – Loss or damage caused by weight of snow. Theft or attempted theft when your home or any part of it is lent, let or sublet to or occupied by someone who is not a member of your family, unless force causing damage to the main building of the home was used to get in or out of the building.
• General policy exclusions applicable to all sections and optional extras – Property more specifically covered by another policy of insurance. Any criminal or deliberate act by you or your family. Loss or damage caused by wear and tear, loss of value or lack of maintenance.

What’s covered

• A personal claims manager if you need to move out of your home due to a claim
• Worldwide protection for your credit cards, debit cards and cash up to £500
• Cover for underground pipes comes as standard, so any accidental damage to those you are responsible for between your property and the mains is taken care of
• No need to specify single items worth less than £2,500 such as jewelry and paintings kept within the home

What’s not covered

• Home cover does not include loss or damage to valuables, personal belongings and pedal cycles when away from the home (available with Saga additional cover options – Personal Belongings Cover and Specified Pedal Cycles Outside the Home Cover).
• Home cover does not include loss or damage to contents in student accommodation.
• Certain loss or damage when your home is lent, shared, let or sub-let.

• Save £££’s online with our home insurance policies
• Buildings, contents or combined insurance available
• Add on optional extras
• Low prices with great value insurance
• Flexible, comprehensive home insurance
• CCJ’s, bankruptcy or offenders acceptable
• Cover available for vacant property
• Non standard construction insurance available
• 9 out of 10 customers rate overall claims service as excellent

• Click on ‘Get Quotes’ above or alternatively call now on 01325 346 328 and Quote Ref: FV1