This isn’t the first time we’ve had to try and make a claim with Hiscox, and on both occasions they have been completely and utterly useless.On two separate occasions we have broken a customer’s window with a stone flick from a strimmer. On both occasions, hiscox were IMPOSSIBLE to contact on the phone - you have to email them.Yes, instead of being available to speak to them to get an urgent matter sorted, you have to email them and wait for whenever the heck they decide to get back to you. You’re not allowed to pay for the damage to be repaired yourself and then submit a claim, you have to wait for them. (Sorry customers, it might get a bit draughty in the house for a while.)So we waited for a response, only to be told that we mustn’t admit fault (- I guess a stone materialised out of thin air and broke an elderly lady’s window?) and that we need to submit all correspondence between us and the customer to them blah blah blah. In the end, we just paid for the repair ourselves. How can you keep people waiting and fobbing them off with such ridiculousness? It’s embarrassing and unprofessional, and just downright inconsiderate. Needless to say, we aren’t able to go through with the claim (not that I believe for a second we would have been reimbursed by hiscox).We tried to complain and cancel our policy because it’s completely unfit for purpose, only to receive another email telling us that it’s not something they can help us with, and that we have to spend hours on the phone talking to some other person who doesn’t have a clue what they’re doing in order to cancel the policy.I really don’t know why it’s a legal requirement to have business insurance - it’s like having 1-ply toilet paper for food poisoning. Hiscox is by far the crappest of the crap.
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