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@skipper
I had Hiscox for home and contents as they covered high value bikes comprehensively. I used them twice for roof work (none of their appointed contractors were good) and their claims were no better and no worse than another company. In the end I halved my Hiscox premiums near enough as they had gone up consistently and again, refused to negotiate on renewal. I think they play on the 'high net worth' individual and customer service reputation and for paying out and yet they seemed to be not dissimilar to any other except you paid higher premiums.