My company has been insured by Hiscox for several years. In 2020, we found ourselves in the unfortunate position of wishing to make a claim on our insurance, as two laptops belonging to a customer of ours have been lost by Hermes, the courier company. I have contacted DAS, who provide legal advice through my Hiscox insurance, and they said they could not help as laptops are excluded from compensation by Hermes’s terms and conditions which I failed to read. I then sought legal advice from another adviser, who said that Hermes had in effect waived their exclusion by agreeing to take our money for insuring the laptops in transit (we declared the contents when booking the courier). We received compensation from Hermes, NO THANKS TO DAS OR HISCOX! I have received unhelpful, conflicting, and at times patronising emails from Andrew Galloway on behalf of Hiscox, and I still believe that the loss of those laptops fell within what is covered by my insurance. Surely if I have been negligent in not reading Hermes’s terms and conditions, then it is covered by my public liability insurance. But Hiscox wriggled their way out of paying any compensation to us. Beware!
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