Hiscox Home InsuranceHiscox Home Insurance

Hiscox was established in 1901 and specialises in the home insurance needs of people with higher value homes and contents. Northern Bank can introduce you to Hiscox. Products are 5* rated by Defaqto (this is a company used to rate home insurance).  5* is the highest rating.
 
  • Northern Bank introduces home insurance from Hiscox. Hiscox offers a comprehensive 'all risks' policy which covers many eventualities which a standard policy would not cover such as if you lose your camera on holiday or spill paint on your carpet.

  • With Hiscox you have free access to a 24 hour support and online information service which provides you with advice and assistance on personal security, from safety abroad to ID theft at home.

  • Hiscox currently offers a discount off your first year's premium when you buy online, subject to minimum premiums.  In addition, Hiscox currently offers a 10% discount off annual premiums for Northern Choice Plus and Northern Prestige Current Account Package customers. Please note that cases which do not meet Hiscox underwriting criteria may be referred to a Hiscox recommended insurance broker, and if so these discounts will not apply.

  • Standard buildings cover includes not only storm, flood, fire etc but also automatically includes accidental damage e.g. spilling paint on wooden floors.

  • Standard contents cover includes not only theft, storm, fire etc but also automatically includes accidental loss and damage inside and outside the home anywhere in the world.

  • In most instances, there is no need to list individual items worth over £1,500, or provide valuations. All you need to state is the overall contents sum insured and the overall sum within that for valuables.

  • Basis of claim settlement is "new-for-old" (meaning that any item damaged beyond repair is replaced as new).
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