Insurance through Hiscox

As soon as a sub-limit, a description of activities or an area of cover pinches in your situation. If your risk fits within the standard market, that is usually simpler and cheaper. We set both versions side by side and point out which provision makes the difference in your case, so that the choice rests on the conditions and not on a product name.

That a claim coming in now about work done three years ago is covered only if your current policy gives retroactive cover for that period. If you switch, have the new insurer include the earlier period. If you cease trading, run-off cover is needed, because claims can still follow years after the last assignment.

Yes. We act as intermediary when the policy is taken out and remain the point of contact for changes, renewal and claims. The insurance contract itself is concluded with the insurer named on the policy schedule. How our service and our remuneration are arranged is described in the service guide.

Often it can, because acceptance policy differs widely from insurer to insurer. A refusal by one says little about the possibilities at another. You must, though, report an earlier refusal, cancellation or claims history on the new application. That comes under Article 7:928 of the Dutch Civil Code; concealing it creates a bigger problem when you claim than the refusal itself.