IMPORTANT NOTICE: Part VII
Part VII, IMPORTANT INFORMATION ABOUT YOUR INSURANCE POLICY WITH DAS LEGAL EXPENSES INSURANCE COMPANY LIMITED.
For full details of the transfer please read through here. Should you have any queries please reach out on the contact details included.
CHANGES TO DOCUMENTS DUE TO BREXIT
As a result of the likely departure of the United Kingdom from the European Union (Brexit), we have had to make some changes to how our policies are underwritten from 1st January 2019.
Please note that the changes referred to in this notice do not affect the cover provided under the policy.
Previously our policies were underwritten by Hiscox Underwriting Ltd (HUL) as an intermediary on behalf of the insurers shown in the schedule. Most sections of the policies were insured by Hiscox Insurance Company Limited (HIC), although some sections were insured by other insurers, as detailed on the schedule.
As a result of Brexit, sections of our policies that were previously insured by HIC are now insured by Hiscox SA (HSA) directly. HUL will no longer act as intermediary. HSA is an insurance company in the Hiscox group, domiciled and regulated in Luxembourg.
As a result of the change of insurer from HIC to HSA, we have had to make a number of changes to the way in which our policies are administered, including how complaints are dealt with. In order to reflect these changes, the a few amendments are made to our policy documents. From January 1st 2019 onwards, please ensure to always use the documentation in this website together with the respective endorsement from the list below.
- Click here to access Professions and Specialty Commercial endorsement
- Click here to access Art and Private Client endorsement
- Click here to access Events endorsement
- Click here to access Technology and Media endorsement
Important update: The Insurance Distribution Directive
Professions and Specialty Commercial
Hiscox can provide cover for a wide range of commercial risks for small to medium businesses as well as larger organisations. We develop in-depth sector knowledge, which allows us to design specialist products suited to the specific risks businesses face in a particular industry.
Professionals
Wordings
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Crime wording - (UK) 16111 (11/16)
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Crime wording - Direct loss (UK) 16573 (09/16)
Summaries
-
Crime summary of cover - (UK) 16953 (04/17)
Underwriting
Professionals
Wordings
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Professionals legal protection wording - Enhanced (UK) 16376
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Professionals legal protection wording - Standard (UK) 16375
Summaries
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Professionals legal protection summary of cover - Enhanced (UK) 16985
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Professionals legal protection summary of cover - Standard (UK) 16986
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Professionals legal protection summary of cover - Supreme (UK) 16987
Not-for-profits
Wordings
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Not-for-profits legal protection wording - Enhanced (UK) 16379
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Not-for-profits legal protection wording - Standard (UK) 16378
- Not-for-profits legal protection wording - Supreme (UK) 17286
Summaries
Not-for-profits
Wordings
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Not-for-profits liabilities wording - Employment liability (UK) 16374
-
Not-for-profits liabilities wording - Public and products liability (UK) 16167
Summaries
-
Not-for-profits liabilities summary of cover - Employment liability (UK) 16917
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Not-for-profits liabilities summary of cover - Public and products liability (UK) 16918
Professionals
Wordings
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Professionals liabilities wording - Employment liability (UK) 16164
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Professionals liabilities wording - Public and products liability (UK) 16166
Summaries
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Professionals liabilities summary of cover - Employment liability (UK) 16919
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Professionals liabilities summary of cover - Public and products liability (UK) 16920
Recruitment
Wordings
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Recruitment liabilities wording - Employment liability (UK) 16165
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Recruitment liabilities wording - Public and products liability (UK) 16171
Summaries
-
Recruitment liabilities summary of cover - Employment liability (UK) 16921
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Recruitment liabilities summary of cover - Public and products liability (UK) 16922
Specialist retail
Wordings
Summaries
Technology
Wordings
Summaries
Trades
Wordings
Summaries
Venue insurance
Wordings
Summaries
Professionals
Wordings
- Professionals management liability wording - Corporate legal liability (UK) 16009
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Professionals management liability wording - Corporate legal liability (aggregate limit) (UK) 16020
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Professionals management liability wording - Directors and officers (UK) 16010
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Professionals management liability wording - Directors and officers (aggregate limit) (UK) 16015
- Professionals management liability wording - Employment practices liability (UK) 16012
- Professionals management liability wording - Professional and legal liability (UK) 16013
- Professionals management liability wording - Trustees and individuals liability (aggregate limit) (UK) 16019
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Professionals management liability wording - Trustees and individuals liability (UK) 16014
Summaries
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Professionals management liability summary of cover - Corporate legal liability (UK) 16938
- Professionals management liability summary of cover - Corporate legal liability (aggregate limit) (UK) 16949
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Professionals management liability summary of cover - Directors and officers (UK) 16939
- Professionals management liability summary of cover - Employment practices liability (UK) 17655
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Professionals management liability summary of cover - Professional and legal liability (UK) 16942
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Professionals management liability summary of cover - Trustees and individuals liability (UK) 16943
Wordings
- Medical Malpractice wording - (UK) 16173
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Medical Malpractice wording - Occupational Health (UK) 16175
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Medical Malpractice wording - Treatment and Professional Liability (UK) 16291
Summaries
- Medical Malpractice summary of cover - (UK) 16893
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Medical Malpractice summary of cover - Aesthetics (UK) 16871
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Medical Malpractice summary of cover - Care and Ambulance (UK) 16872
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Medical Malpractice summary of cover - Occupational Health (UK) 16880
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Medical Malpractice summary of cover - Recruitment (UK) 16889
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Medical Malpractice summary of cover - Treatment & Professional Liability (UK) 16897
Professionals
Wordings
Summaries
Accountants
Wordings
Summaries
Architects
Wordings
Summaries
Chartered surveyors
Wordings
Summaries
Coaching, training and education
Wordings
- Coaching, Training and Education PI wording - (UK) 9822
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Coaching, Training and Education PI wording - Aggregate Limit (UK) 15588
Summaries
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Coaching, Training and Education PI summary of cover - (UK) 16961
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Coaching, Training and Education PI summary of cover - Aggregate Limit (UK) 16962
Commercial film production
Wordings
- Commercial Film Production PI wording - (UK) 6630
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Commercial Film Production PI wording - Aggregate Limit (UK) 16275
Summaries
Design and construction
Wordings
Summaries
Digital marketing
Wordings
Summaries
Engineers
Wordings
Summaries
Estate agents
Wordings
Summaries
Event organisers
Wordings
Summaries
Green consultant
Wordings
Summaries
Health and safety
Wordings
Summaries
Influencers and public figures
Wordings
Underwriting
Insurance broker
Wordings
Summaries
Interior and garden designers
Wordings
- Interior and Garden Designers PI wording - (UK) 9819
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Interior and Garden Designers PI wording - Aggregate Limit (UK) 15590
Summaries
-
Interior and Garden Designers PI summary of cover - (UK) 16967
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Interior and Garden Designers PI summary of cover - Aggregate Limit (UK) 16968
Management consultant
Wordings
- Management Consultant PI wording - (UK) 5570
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Management Consultant PI wording - Aggregate Limit (UK) 15579
Summaries
Marketing, advertising and communications
Wordings
- Marketing,Advertising and Communications PI wording - (UK) 6628
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Marketing, Advertising and Communications PI wording - Aggregate Limit (UK) 15587
Summaries
-
Marketing, Advertising and Communications PI summary of cover - (UK) 16990
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Marketing, Advertising and Communications PI summary of cover - Aggregate Limit (UK) 16991
Multimedia
Wordings
Summaries
Photographer
Wordings
Summaries
Professionals
Wordings
Summaries
- Professionals PI summary of cover - Negligence only (UK) 16994
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Professionals PI summary of cover - Negligence only, Aggregate Limit (UK) 16995
Recruitment
Wordings
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Recruitment PI wording - Ex-Vicarious (Aggregate Limit) (UK) 15580
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Recruitment PI wording - Vicarious (Aggregate Limit) (UK) 16280
Summaries
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Recruitment PI summary of cover - Ex-Vicarious (Aggregate Limit) (UK) 16972
- Recruitment PI summary of cover - Ex-Vicarious (UK) 16971
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Recruitment PI summary of cover - Vicarious (Aggregate Limit) (UK) 16970
Specialist
Wordings
Summaries
Technology
Wordings
Summaries
Media
Wordings
Summaries
Not-For-Profits
Wordings
Summaries
- Not-For-Profits Property summary of cover - Buildings (UK) 16877
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Not-For-Profits Property summary of cover - Business Interruption (UK) 16879
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Not-For-Profits Property summary of cover - Contents (UK) 16878
Professionals
Wordings
- Professionals property wording - Buildings (UK) 16087
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Professionals property wording - Business Interruption (UK) 16089
- Professionals property wording - Contents (UK) 16088
- Professionals property wording - Equipment Breakdown (UK) 16091
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Professionals property wording - Property Away and In Transit (UK) 16093
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Professionals property wording - Property Definitions (UK) 16090
Summaries
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Professionals Property summary of cover - Buildings (UK) 16886
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Professionals Property summary of cover - Business Interruption (UK) 16888
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Professionals Property summary of cover - Contents (UK) 16887
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Professionals Property summary of cover - Contract Works (UK) 16885
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Professionals Property summary of cover - Equipment Breakdown (UK) 16882
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Professionals Property summary of cover - Property Away and In Transit (UK) 16884
Recruitment
Wordings
Summaries
Specialist retail
Wordings
Summaries
- Specialist Retail Property summary of cover - Business Interruption (UK) 16892
-
Specialist Retail Property summary of cover - Contents (UK) 16891
Technology
Wordings
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Technology property wording - Business Interruption (UK) 16101
- Technology property wording - Contents (UK) 16100
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Technology property wording -Property Away and In Transit (UK) 16099
Summaries
- Technology Property summary of cover - Business Interruption (UK) 16896
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Technology Property summary of cover - Property Away and In Transit (UK) 16894
Trades
Wordings
Summaries
Venue insurance
Wordings
Summaries
All other Industries
Wordings
Professionals
Wordings
Summaries
Art and Private Client
A combination of specialism, expertise and exceptional service has, over the course of a century, made Hiscox one of the UK’s leading insurers of higher value homes and their contents. We also provide cover for cars, fine art and overseas properties.
Policy wordings
UK policies taken out on or after 11 June 2018
- Hiscox 606 home insurance - wording – 18968 (05/18)
- Hiscox 606 home insurance - summary of change – 18896 (06/18)
- Hiscox Home insurance - policy wording – 18967 (05/18)
UK policies taken out before 11 June 2018
- Hiscox 606 home insurance - wording (UK) – 6050 (08/17)
Ireland
- Hiscox 606 home insurance - wording (Ireland) – 5374 (08/17)
- Hiscox 606 home insurance - changes to cover (Ireland) – 12871 (08/17)
- Hiscox 606 home insurance policy summary - key facts (Ireland) – 5341 (08/17)
- Hiscox 606 home insurance - summary of benefits (Ireland) – 12860 (08/17)
Underwriting
UK policies taken out on or after 11 June 2018
- Hiscox renovation and extension - policy wording – 18779 (05/18)
UK policies taken out before 11 June 2018
- Policy wording (PDF) – 15952
- Policy summary - key facts (PDF) – 15995
- Client questionnaire (PDF) – 5307
- Contractors factsheet (PDF) – 15986b
- Renovation and extension insurance - Broker product guide (PDF) – 15817
- Renovation and extension insurance FAQs (PDF) – 16292
- Overseas 606 Home Insurance - wording (PDF) – 4252
- Overseas 606 Home Insurance policy summary - key facts (PDF) – 4260
- Holiday Home Insurance - wording (PDF) – 4253
- Holiday Home Insurance policy summary - key facts (PDF) – 4331
- Overseas 606 home Insurance - proposal form (Word) – 4275
- The Hiscox guide to insuring your overseas home (PDF) - 11666
Policies taken out on or after 11 June 2018
- Hiscox fine art insurance - policy wording – 18970 (05/18)
- Hiscox fine art insurance - summary of change – 18892 (06/18)
Policies taken out before 11 June 2018
- Fine Art - wording (PDF) – 4145
- Fine Art - key facts (PDF) – 4241
- Personal Cyber policy summary (UK) (PDF)
- Personal Cyber policy summary (Ireland) (PDF)
- Personal Cyber factsheet (UK) (PDF)
- Personal Cyber factsheet (Ireland) (PDF)
- Personal Cyber FAQs (PFD)
- Personal Cyber customer information document (PDF)
- Hiscox 606 Home Insurance - wording (UK) (PDF)
- Hiscox 606 Home Insurance - wording (Ireland) (PDF)
- Hiscox Travel: Medical Declaration (PDF) – 2953
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