Hiscox Car Insurance Review [2020]

Hiscox car insurance operates in the UK but not in the U.S., and Hiscox classic car insurance is the company's only car insurance policy overseas. Hiscox business insurance is the main product sold in the US. According to Hiscox small business insurance reviews from A.M. Best and the BBB, the company is highly rated and has a stable financial outlook for the future.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 29, 2021

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Company Details
Address: 520 Madison Ave, 32nd Floor
City: New York
State: NY
ZIP Code: 10022
Phone Number: 646-452-2353
Year Founded: 1993
AM Best Rating: A
Company Rating 0 (0 reviews)

This Hiscox car insurance review discusses the U.S. agency operations of Bermuda-headquartered Hiscox Insurance. Hiscox UK provides specialty insurance products through its network, including Hiscox classic car insurance, antique, and vintage coverage policies.

Unfortunately, if you’re looking for one of the best car insurance companies in the U.S., you won’t find it with Hiscox. Hiscox motor insurance is not available in the U.S.

The company also offers a Lloyd’s of London syndication of insurance products. Hiscox in the U.S. provides insurance to businesses with a special focus on small businesses.

Before reading our Hiscox Insurance review, take a minute to use our handy online car insurance rate comparison tool by entering your ZIP code for free quotes now.

Hiscox Insurance Rates

Business insurance rates are difficult to estimate because of the variables involved in a company adjusting rates. We also don’t have rates for Hiscox Insurance’s classic, antique, and specialty car coverage because it’s not offered in the U.S.

However, if you want a quote from Hiscox Insurance, you can go to the company directly and get a Hiscox online quote or you can call the company and speak to an agent. If you need to pay your Hiscox insurance online, you can do so through the company’s app.

As noted, we can’t offer Hiscox car insurance rates that product is not available in the U.S.

What is Hiscox Insurance’s availability?

Hiscox’s largest insurance market is the United States. The company continues to acquire smaller insurers and operations providers.

You can find Hiscox Insurance for your business throughout the United States, while car insurance coverage can be purchased in the U.K.

The company was founded in 1993. The total market value of the company’s publicly traded securities is greater than $2.3 billion. The company wrote nearly $4.03 billion in gross premiums in fiscal year (ended December) 2019.

Hiscox is also among the constituents of the FTSE 250 index

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Hiscox Car Insurance Coverages Offered

Hiscox car insurance company in the U.K. does offer a range of products. Specialty car insurance policies—for classic, vintage, and antique cars—help customers save money. So if you’re wondering if classic car insurance is different than standard insurance, the answer is yes. Unlike daily use vehicles, classic cars receive special care and aren’t subject to heavy annual use.

That’s why owners of antique, vintage, or classic cars shouldn’t pay daily use car insurance rates. Affordable Hiscox car insurance for special cars is a good option.

Typically, these vehicles are used for shows or occasional driving, not daily transport.

Hiscox vehicle insurance is this type of specialty policy. That means you may be able to find Hiscox wedding car insurance if you use a specialty vehicle for your big day.

Here’s a look at some of the additional coverage you can get with a classic car policy.

Additional Car Insurance Options for Classic Cars
Classic Car Insurance CoverageDetails of Coverage
Specialized RepairClassic cars that are intended to remain classics may require using a trained mechanic for repairs and may also need specialized restoration. When comparing insurance on a Mustang, make sure you take the time to get all the details. You may want to consider insuring your classic car to cover repairs and restorations.
Transport coverageIf you plan to take your car overseas, you will need optional insurance coverage for transport.
Car show coverageClassic cars that are used in car shows or club events are at risk for damage that could occur while on the premises and should be covered for these affairs as well.
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However, as we noted earlier, while Hiscox auto insurance is offered only in the U.K., it’s not available in the U.S. In the United States, Hiscox offers professional liability policies to the media, telecom, and technology industries.

How to make a Hiscox Insurance Claim

If you need to file a claim with Hiscox Insurance, you can do so online, through the mail, or by calling your agent directly. Hiscox car insurance claims are only available to U.K. customers.

If you file online, the company offers a form for you to fill out, while you can call 1-866-424-8508 to speak with a claims representative.

Hiscox Insurance: Insurance Ratings

To further investigate the company we also looked at Hiscox Insurance reviews from different customer service and financially focused businesses.

For Hiscox business insurance reviews, we looked at the company’s Better Business Burea (BBB) rating as one way to help you decide if Hiscox is right for your needs. Take a look.

Better Business Bureau Ratings for Hiscox Insurance
RatingAccreditationCustomer Complaints
A+Not Accredited19 complaints in the past 3 years, 10 of those in the past 12 months
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When we investigated the complaints noted in the BBB review, we noted that much of what we could find focused on Hiscox Small Business Insurance reviews and specifically Hiscox claims reviews.

We also looked at Hiscox ratings from A.M. Best, a financial ratings company that focuses on the insurance industry. To learn more about A.M. Best, watch this video.

According to A.M. Best, Hiscox Insurance has an A rating and a stable outlook for the future, both of which are good news for insureds.

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The Bottom Line for Hiscox Insurance

When you’re looking at Hiscox Insurance, there are a few things to keep in mind:

  • Hiscox in the United Kingdom offers specialty car insurance
  • In the United States, they offer only business insurance plans
  • The company is growing and doing well financially

While you can’t buy Hiscox car insurance in the U.S. (and therefore we can’t help you with hiscox car insurance quotes), we can still help. Compare car insurance rates using your ZIP code in our fast, free tool now.

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