After only having my policy for a little over 2 weeks I unfortunately had to make a claim. Hiscox sent an apparent 'claims consultant' to my house by the name of Hayden Pyle. He tries to come across as nice and polite but in reality he is looking for any excuse not to pay your claim. He thinks he is smart by making note of every little detail of your claim so he may find any reason not too pay up. After my claim was settled he made insinuations that my claim was somehow fraudulent. If a 'claims consultant' attends your property treat them with the cold distance they deserve and only tell them the exact details of your claim. DO NOT engage in small talk of any description with these people. YOU HAVE BEEN WARNED!!!
This is a buildings insurance company with a big difference. I had some difficulty insuring my property because of a small stream that runs alongside my house. During times of high rain the stream becomes a wide lake, about 40m across, but it has never flooded.
When I originally took out cover, Hiscox took details online then called to discuss the stream. I explained carefully, they listened and asked really sensible questions. They put me on risk for no additional premium.
Then when my locality suffered severe floods, they proactively phoned me to ask if my property had been affected and whether I needed any help. It hadn't, and I didn't,. but I felt reassured by the call.
The premium may be a little more than the cheapest around, but in my opinion it's worth it for peace of mind.