This document provides key information about the Hiscox 606 Home and Contents insurance policy. If you have any other questions then please contact your insurance agent. Policy name: 606 Home and Contents Insurance

Type of insurance: Home and contents insurance Underwritten by: Hiscox Insurance Company Limited (legal expenses cover underwritten by DAS Legal Expenses Insurance Company Limited)

Significant Features and Benefits

The 606 policy is specifically designed for people with higher value homes and possessions, which means you get broader cover to suit your needs.

A flexible approach

Significant or Unusual Exclusions/Limitations

We offer some of the broadest levels of cover available, giving our customers true peace of mind. There are no unusual exclusions

or limitations in our 606 policy.
You will normally have to pay the initial £250 for each claim on any buildings and contents losses. There is no excess payable on
claims for fine art and valuables. All subsidence claims are subject to a £1,000 excess. These excesses may vary by your choice
and/or underwriting criteria. Your quotation and policy schedule will show the specific excesses applicable to you.

You will normally have to pay the initial £100 for each claim per trip for travel if this cover is selected. Pre-existing medical
conditions are excluded in the wording, but may be covered on referral.
All communications, including the policy wordings, are written in plain English with no jargon to ensure you know exactly what is covered.
Any special conditions and terms that may apply will be found in your individual quotation and schedule.

Duration of Contract

Insurance contracts normally run for a period of 12 months. Please speak to your insurance broker if you require a different period. We strongly urge our customers to review their contract each year to ensure they have adequate cover in place.

Cancellation Rights

You can cancel your new insurance policy up to 14 days from the start of the contract (plus postage time) and receive a full premium refund. After this you may cancel your insurance at any time by writing to us. If you have not made a claim, we will return any premium you have paid for any period of insurance left. However, we will not return any premium if the amount is less than the minimum refund shown in the schedule.

We may cancel your insurance policy by sending you 30 days' notice by registered post to your correspondence address shown in the schedule. We will return any premium you have paid for any period of insurance left and will not charge any cancellation penalties such as administration charges.

Claims Service

It is when you make a claim that you really find out how good your insurer is and we are confident you will not find a better service in the UK market. Hiscox prides itself on its fast, efficient, fair and sensible claims service, offering:

• No deductions for wear and tear, even on clothing
• A guarantee to pay interest on any claim over £2,500 not paid to you by us within 4 working days of receiving a signed agreement form. We can only keep this promise if your bank is in the United Kingdom and if you give us your bank details at the time you sign the acceptance form. This promise can not apply if you ask us to pay by another method.

If you suffer a loss and need to make a claim you should contact your insurance agent immediately. If this is not possible then you can call us directly using our 24-hour emergency claims number on 0870 0843781. You will need to provide your Hiscox policy number and full details of the claim, including the date, amount and circumstances of loss.

Questions and Complaints

If you have a question or complaint, please speak to your insurance agent or contact us directly using the details below: Hiscox Customer Services

1 Great St Helen's, London EC3A 6HX Telephone: 0870 084 3777 If you are not satisfied with the way your complaint has been handled, you may ask the Ombudsman to review your case without

affecting your statutory rights.

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. The maximum level of compensation you can receive from the Scheme for a claim against an insurance firm depends on the type

of insurance policy, as described here. FSCS may arrange to transfer your policy to another insurer, provide a new policy or if these actions are not possible, provide compensation. Non-compulsory insurance (such as home insurance): the first £2,000 of a claim or policy is protected in full. Above this threshold, 90% of the rest of the claim or value of unused premiums will be met.

Your Hiscox Quotation

You should discuss with your insurance agent exactly what your insurance needs are. They will then provide you with a

quotation based on the information you have provided. The quotation you receive from your insurance agent should give a breakdown of the total price, including the amount we will receive, as well as any related fees, charges, expenses and taxes applicable. The quotation will be valid for a specified period. Under some circumstances, your insurance agent may make some additional charges during the life of the policy. Please check with your insurance agent for details.

Please note that this policy summary document does not contain the full terms and conditions of this contract. These can be found in the 606 home and contents policy wording. If you would like a copy of the full policy wording, please contact your insurance agent.