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Premier Home Insurance

We are proud to work with Hiscox Insurance Company Ltd footnote[1], specialist insurers of homes, their contents, valuables and collections. Terms, conditions, exclusions and excesses apply. Applicants must be 25 years and over.

Hiscox offers a range of benefits as part of their home insurance cover.

  • You could save with a 25% footnote[2] no claims discount when you switch to Hiscox.
  • Individual items or sets under £15,000 are covered as standard – you don’t need to list them or buy separate cover.
  • Unlimited cover for buildings - Hiscox will pay your rebuild costs regardless of whether your home has increased in market value since you bought your policy. You must notify Hiscox 30 days prior to commencing renovation/building works.
  • A dedicated claims handler is assigned to all claims where possible.
  • Tailored high-value jewellery and watch cover – as part of your policy. No need for separate cover up to a limit of £150,000.
  • Over 98% of Hiscox customers surveyed who made a claim would recommend them (Insight Now, 322 surveys, Sept 2016-Feb 2017).

[1] As a Clydesdale Bank customer, we will introduce you to Hiscox Insurance Company Limited for home insurance. Premier home insurance is provided and underwritten by Hiscox Underwriting Ltd on behalf of Hiscox Insurance Company Ltd. Subject to eligibility criteria, applicants must be aged 25 years and over. Terms, conditions, exclusions and restrictions apply. Hiscox Underwriting Ltd is authorised and regulated by the Financial Conduct Authority and Hiscox Insurance Company Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. For UK homes only. Clydesdale Bank PLC. Registered in Scotland (No. SC001111). Registered Office: 30 St. Vincent Place, Glasgow, G1 2HL. For full terms and conditions see www.hiscox.co.uk/terms-and-conditions (Link opens in a new window).

[2] 25% no claims discount applies to new home insurance customers who have not claimed on their home insurance in the past 5 years. For more information, call Hiscox on 0800 042 0321.

How to apply

Get a quote from Hiscox (Link opens in a new window)

Call Hiscox on 0800 840 2285

(Mon - Fri, 8am to 7pm. Sat from 9am to 2pm; closed on Sun and bank holidays)

Visit your local Clydesdale Bank branch


How to claim

Make a claim (Link opens in a new window)

Call Hiscox on 0800 247 1902

(Mon to Fri, 8.30am - 5.30pm)

Award winning home insurance

For the past eleven years running, Defaqto have awarded Hiscox Home Insurance five stars.

Defaqto is an independent financial research company, who rate products from 1 to 5 depending on the level of quality and comprehensiveness of the features and benefits it offers.

Hiscox have been awarded the 2017 Consumer Intelligence award for claims, as voted for by householders.

Based on a survey carried out by Consumer Intelligence of over 24,000 consumers surveyed between January 2016 and December 2016.

Not ready to renew?

Tell us your renewal date and Hiscox will get in touch at the right time.

Tell Hiscox your renewal date (Link opens in a new window)


If your main home is insured by Hiscox, you can tailor your policy as your individual circumstances change. Additional costs apply. Choose from the following options:

Home renovation and extension insurance

Hiscox renovation and extension insurance provides cover for building works over £75,000. The cover is available for Hiscox home insurance policy holders and can be added to your policy for a set time period.

Once your works are complete, the extra cover will be removed and your home insurance policy will continue uninterrupted. Terms, conditions, exclusions and excesses apply.

Find out more about Hiscox home renovation and extension insurance (Link opens in a new window)

Second home and let property insurance

If your main home is insured with Hiscox, your second home, holiday home or let property can be insured too. Terms, conditions, exclusions and excesses apply.

Find out more about Hiscox second home and buy-to-let insurance (Link opens in a new window)

Holiday home insurance

If you insure your main home with Hiscox, they can also cover your holiday home with the same contents and buildings cover, and to make things even easier, both properties will be on the same policy. Terms, conditions, exclusions and excesses apply.

Find out more about Hiscox holiday home insurance (Link opens in a new window)