Hiscox Reviews

Hiscox is it profoundly dishonest company at all levels. I was therefore npt at all auprosed to discover that contrary to thia websites proclamation that 88&% of the revoews submottes are glowing....upon takingbit iponn myself to read each amd every one of them....the truthj couldn't be firther from this headnote....which gives rise to a suspicion of foul play...at the very least it calls for an explanation from Hiscox thay their grubby hands are clean and played no part in this wholly misleading and false headline which bears no resemblance to the overwhemlming condemnation expressed in almoat all of the reviews in this section.

As as for my experience...its fair to say ot wasnt entirely positive......it started with an accusation of fraud levelled against me . Which was quickly followed by an approach to my professional regulator (who btw were as appalled by their conduct as i was on learning of thus development ).......and why you may ask.

...well its all understandable really given i had the temerity to claim for the theft of my golf bags which were stiken from my car ( a sequence of events so implausable unthinkable in the collective wisdom of His

cox's team of professional advisors that they considered the correct and measured response was to accuse me of fraudulent dealings (and in so doing
libel me in writing to a third party accusing me of fraud) . To put matters in context...when i consider their conduct thereafter that was Hiscox bringing their A game... it went from bad to worse...may the Almighty dismantle that toxix company and dismembwr its corporate greed and wilful dishonesty that courses through its cancerous veins.... Amen

Had a policy with this outfit for a number of years, office got broken into and numerous items stolen, we put in the claim and it was sorted, unfortunately the following week we got hit again so had to make a second claim albeit much less as we didn't replace all the gear from the first theft. We have installed CCTV and steel gates to the premises after this. Just had an email stating they will not insure us anymore! WHAT IS THE POINT IN INSURANCE IF YOU CANNOT USE IT? You just carry on taking money from people who don't claim, bad company ethics. We now have to pay a lot more as you cancelled our insurance, THANKS

I see there are several bad reviews - but I have good good experiences.

Responsive, helpful - abd said out when I did not expect.

This is home - building & contents.
Three claims.

One was a stolen bike: paid immediately.
Two of them I did not know if it was covered and was not sure about claiming at all.
In both cases threy said they would consider it, discussed internally, called back the next day to say they were paying.

I have had other insurers where I always felt I was arguing abd then being turned down on a technicality - this was the opposite.

They are not the cheapest - but why sound money on an insurance company who refuse to pay you what is owed?

Horrible business practices, and poor customer service. I initiated a policy for which I paid over 6 months ago, and tried to revise for additional coverage. All of a sudden Hiscox decides they have "concerns" about my business - because they don't understand the nature of my particular business. However, not one representative called me back after numerous attempts to finalize the policy to explain the hold up. I had to call 3 times to get... a very patronizing agent. Her response to my statement "So what you're telling me is that although you've been insuring me for 6 months, all of a sudden the underwriter concerns and my policy is up for review at this time so I can't provide the client the required paperwork. Basically, I'm screwed". Her response, and I quote "yes that is what we're saying". Okay.

Misleading marketing. Terrible support. Rude claims department who blatantly reject claims that I confirmed would be covered multiple times with the sales rep. Late responses (or none at all). Overall a complete waste of money, pathetic experience and I can't recommend this company to any small business.

My company has been insured by Hiscox for several years. In 2020, we found ourselves in the unfortunate position of wishing to make a claim on our insurance, as two laptops belonging to a customer of ours have been lost by Hermes, the courier company. I have contacted DAS, who provide legal advice through my Hiscox insurance, and they said they could not help as laptops are excluded from compensation by Hermes’s terms and conditions which I failed to read. I then sought legal advice from another adviser, who said that Hermes had in effect waived their exclusion by agreeing to take our money for insuring the laptops in transit (we declared the contents when booking the courier). We received compensation from Hermes, NO THANKS TO DAS OR HISCOX! I have received unhelpful, conflicting, and at times patronising emails from Andrew Galloway on behalf of Hiscox, and I still believe that the loss of those laptops fell within what is covered by my insurance. Surely if I have been negligent in not reading Hermes’s terms and conditions, then it is covered by my public liability insurance. But Hiscox wriggled their way out of paying any compensation to us. Beware!

Hiscox writes many policies and returns NO calls on even a minor claim. Texas State Board says this is their MO.
BUYER BEWARE

Do not use this insurer.

Failed to pay valid claims and is drawing out the process of a valid appeal so the businesses involve go outside of business.

Getting employees to leave glowing reviews is up there with some shady tactics. Who feels that passionately about taking out insurance they leave glowing reviews like you’ve had, all in a couple of days?

Stay away.

We have received the most appalling service from Hiscox. After a horrific house fire, in which my son aged 17 was at home and caught within the fire, we made a claim through our House Insurance with Hiscox. We have had months, in fact, over a year of hell with Hiscox ever since the day of the fire, until now when we have been denied our full claim. What has made things even worse is that when our belongings were returned after a year we had other people's belongings including a wallet with someone else's ID and cash in it. We had clothes and bedding belonging to others. It was horrific. We have lost thousands in damaged and ruined items which were in the house during the fire, we have had to argue and fight to have our house restored and re-built and even when I have now made an official complaint the Customer Services team, they have done nothing to help, even when they promised they would look into the claim and agreed that this should not be a "negotiation" and that claims should be honoured. After just over 2 weeks of "reviewing the claim" they have done nothing to change the final settlement claim. This has made it even worse in my mind as they agreed with everything I had said but refused to pay the claim. Do not believe their Claims Promise on their website - it is simply not true. Look for a different insurer. Their suppliers of storage and also surveyors were very low quality and if we had not have appointed our own loss assessor, we would have been left with a house still smelling of the fire, as are all of the contents which they are now refusing to pay out for. I cannot recommend more to look for different insurers. We will continue our fight and go to the Ombudsman now.

Don't use this insurance company their contracts are not worth the paper they are written on!