Terms and conditions

1. About Us

These terms and conditions explain how you are allowed to use this site and the operation of this site by Hiscox SA (“Hiscox”).

By accessing any part of this site you will be deemed to have accepted these terms and conditions in full. As this website enables you to transact business with us, the terms and conditions may be different to those on other Hiscox websites. Please take time to review these terms and conditions carefully.

  • All copyright and other intellectual property rights in any material (including text, photographs and other images and sound) contained in this website is either owned by Hiscox or has been licensed to Hiscox by the rights owner(s). You are only allowed to use this website and the material contained in the website as set out below. If you wish to do anything else with any of the material you must get the written permission of the rights owner. If you need any assistance email us at [email protected]
  • This website contains trademarks, including the Hiscox name and logo. All trademarks included on this website belong to Hiscox or have been licensed to Hiscox by the trademark owner(s) for use on this website. You are not allowed to copy or use any of these trademarks in any way except as set out below. If you wish to do anything else with any of the trademarks you must obtain the written permission of the trademark owner. If you need any assistance email us at [email protected].

2. What you are allowed to do

  • You may access any part of the website to which access is open to all users
  • Access to some parts of the website is only possible by password, for example to retrieve an insurance quote. You may only access these parts of the website if you have a valid password
  • You may print off one copy only of any individual page for your own personal use, as long as you do not do any of the things set out under “What you are not allowed to do”; unless it is explicitly designed for that purpose, for example documents held within the Hiscox Document Centre.

3. What you are not allowed to do

  • Any purchase of any insurance product(s) available through this website will be subject to these terms and conditions and the relevant policy terms and conditions.
  • You are responsible for deciding whether any of our products or services are suitable for your purposes. Please read the relevant policy terms and conditions carefully before buying any insurance policy. If you need any advice before buying any insurance policy please contact an independent financial adviser or insurance adviser.
  • This website includes links to external websites. It also includes email links to a number of suppliers of services and/or products. These links will help you find relevant services and/or products quickly and easily. You are responsible for deciding whether any of these services and/or products are suitable for your purposes. Hiscox is not responsible for the suppliers of these services and/or products or the goods or services they supply or for their website content and does not give or enter into any conditions, warranties or other terms or representations in relation to any of these.
  •  All data information text images and layout are the exclusive property of Hiscox and must not be emailed, networked, shared, republished, reproduced, transferred or copied (other than for reasonable personal professional use e.g. audit trails or backups). All copyright intellectual and other property rights shall continue to be held by Hiscox and no rights of any kind shall pass. Any attempt to damage the site or act in contravention of these Terms and Conditions may give rise to legal redress and Hiscox SA reserves the right to seek damages from such perpetrator.

4. Changes to terms and conditions and disclaimer

&Hiscox may change the terms and conditions and disclaimer set out above from time to time. By browsing this website you accept the current terms and conditions and disclaimer. You should check these each time you revisit the site.

5. Changes to/operation of website

  • Hiscox may change the format and content of this website (or of any insurance products or services offered via this website) at any time
  • Hiscox may suspend the operation of this website (or suspend provision of any insurance products or services offered via this website) for support or maintenance work, for content updates or for any other reason
  • Hiscox reserves the right to stop access to this website (and to products and services offered via the website) at any time and without notice

6. Data protection

We will only use your personal details in line with our privacy policy. Please read this carefully before proceeding. By providing your personal details to us you are consenting to its use in accordance with our privacy policy.

7. Purchase of products available through this site

  • Policies are underwritten by Hiscox SA, a Luxembourg regulated insurance company subject to the supervision of the Commissariat aux Assurances (CAA) in Luxembourg. Hiscox SA is duly authorised to carry on non-life insurance business in other member states of the European Union and the European Economic Area. Further details can be found at www.caa.lu (external link).
  • Hiscox SA is duly authorised to carry on non-life insurance business in other member states of the European Union and the European Economic Area. Further details can be found at www.caa.lu (external link).
  • Hiscox SA is registered in Luxembourg with the Trade and Company Register Luxembourg (RCS Luxembourg) with reference number B217018. Hiscox SA head office is located at Avenue John F. Kennedy 35F, 1855 Luxembourg, Luxembourg. Further details can be found at www.lbr.lu (external link).
  • Hiscox SA is subject to the supervision of the Commissariat aux Assurances in Luxembourg and is regulated by the Central Bank of Ireland for conduct of business rules.
  • Hiscox SA branch in the Republic of Ireland is registered with the Companies Registration Office with reference number 908764. Hiscox SA branch in the Republic of Ireland is located at:

    The Observatory
    7-11 Sir John Rogerson's Quay
    Dublin 2
    D02 VC42
    Republic of Ireland

    Further details can be found at www.lbr.lu (external link).
  • Hiscox SA is subject to the Consumer Protection Code 2012 which offers protection to consumers, details of this code can be found on the Central Bank of Ireland’s website.
  • Hiscox SA is registered in Luxembourg with Trade and Company register Luxembourg (RCS Luxembourg): registration number B217018, at Avenue John F. Kennedy 35F, 1855 Luxembourg, Luxembourg.
  • All quotations given through this website which are specifically described as ‘indicative quotes’ are intended as an indication only of your likely premium based on the limited information provided. They are not binding quotations. The premium quoted may vary once your full details have been submitted.
  • All statements made by you or information given by you to Hiscox are your responsibility. If you fail to disclose any relevant information or provide any inaccurate information, this may invalidate your insurance policy.
  • Once you have submitted a proposal for insurance via this website, the proposal will not be accepted (and you will not be insured) until you receive confirmation from Hiscox. This confirmation may be through the website or by email, telephone or post.
  • The decision as to whether to offer you insurance cover is at Hiscox discretion and we are not bound to do so. In assessing whether or not to offer insurance cover in response to proposals submitted via this website, Hiscox will not refuse the proposal only because of automatically processed personal data. If the proposal is rejected by any automated decision making process, then the proposal is referred to people employed by, or on behalf of Hiscox.
  • The above referral process does not apply where a proposal is automatically refused because the type of cover requested is not offered by Hiscox through our website, for example where the level of cover requested is above the maximum level of cover available through this website. It is based on the restrictions set for the insurance products available through this website, however, this type of automatic refusal is not based solely on automatically processed personal data.
  • You may cancel your insurance in accordance with the relevant policy terms and conditions.
  • Once insurance has been effected by Hiscox (including any insurance effected following an update of an existing policy), Hiscox will promptly confirm with you that this is the case. Hiscox will also advise you of the relevant insurance premium and any fees or charges which are payable separately.
  • Hiscox will also provide you with a copy of the policy schedule.
  • Hiscox will notify you in writing of any changes to the terms and conditions of your insurance policy and will give reasonable notice for any changes which are due to commence.
  • You should keep a copy of all information sent to or received from us for your records.
  • Hiscox will try to reply promptly to all correspondence. We may reply by email or in writing.

8. How we handle complaints

  • If you have a complaint, you can contact us using the details below. Hiscox Customer Relations
    Hiscox SA (Irish branch)
    The Observatory
    7-11 Sir John Rogerson’s Quay
    Dublin 2
    D02 VC42
    By phone: 1800 901 903
    By phone from mobiles or abroad: +353 1 238 1810
    By email: [email protected]
  • If you remain dissatisfied after the internal dispute resolution process, you may have the right to refer your complaint to the Financial Services and Pensions Ombudsman. The Financial Services and Pensions Ombudsman (FSPO) is an independent, impartial, fair and free service that helps resolve complaints with pensions providers and regulated financial services providers.
    Contact details:
    Financial Services and Pensions Ombudsman
    Lincoln House
    Lincoln Place
    Dublin
    D02 VH29
    Phone: +353 1 567 7000
    Email: [email protected]
    Web: www.fspo.ie


    Alternatively, you can also contact:
    Commissariat aux Assurances
    7, boulevard Joseph II
    L-1840 Luxembourg
    Luxembourg
    Email: [email protected]
  • If you are a consumer, you may also address your complaint in English to the Insurance Ombudsman in Luxembourg, located at:
    Insurance Ombudsman ACA
    12, rue Erasme
    L - 1468 Luxembourg
    Luxembourg
    Phone: +352 44 21 44 1
    Fax: +352 44-02-89
    Email: [email protected]
  • If you have purchased your policy online you can also make a complaint via the EU’s online dispute resolution (ODR) platform. The website for the ODR platform is: http://ec.europa.eu/odr (external link).