Terms and Conditions, Cookies and Privacy

Terms and Conditions 

1. Legal information about us

Hiscox Insurance Co. Ltd., Branch in Spain ('HICL Branch in Spain'), is an insurance company with registered offices at Paseo de la Castellana 60, 7th Floor, 28046, Madrid, and CIF W0067406I. It is registered with the General Directorate of Insurance and Pension Funds (‘DGSFP’) under code E0159, and with the Companies House of Madrid, Volume 19701, Folio M-346613, Page 27, with Tax Identification No. (C.I.F.) N0067406I. The parent company, Hiscox Insurance Co. Ltd., is a British company with offices at 1 Great St Helen's, London, EC3A 6HX, authorised by the Prudential Regulation Authority ("PRA") and regulated and supervised by the Financial Conduct Authority ("FCA ') and the PRA in the UK.

Hiscox Europe Underwriting Limited, Branch in Spain ('HEUL Branch in Spain'), is an insurance intermediary with registered offices at Paseo de la Castellana 60, 7th Floor, 28046 Madrid, and CIF W8260282B. It is registered in the Register of Mediators DGSFP and the Companies Registry of Madrid, volume 26622, page 47 and page M-479756. The parent company, Hiscox Europe Underwriting Limited, is a Lloyd’s Coverholder with registered office at 1 Great St. Helens EC3A 6HX London, United Kingdom. It is authorised by the Financial Conduct Authority (‘FCA’) in the United Kingdom and subject to its supervision. All the entities above are collectively referred to as “Hiscox”.

2. Characteristics and use of the Website

2.1 These Terms and Conditions apply to the website "Hiscox.es" and regulate its use. The use of our website implies the acceptance of these Terms and Conditions in their entirety, without reservations or conditions. Furthermore, you agree to observe any restrictions on use that may be applicable in the country from which you access our website.

This site contains general information about Hiscox and the products and services it offers. Both the Website and its contents are for exclusively commercial purposes and in no way constitute investment advice or of any other nature related to insurance or other products. To receive personalised advice about our products and services, please contact your insurance broker or Hiscox by any of the means set forth in "Contact".

In any case, please note that the products and services of Hiscox, as a general rule, are offered only to final customers through collaborating insurance brokers. Our insurance products cannot be contracted online.

2.2 Hiscox reserves the right to modify this Legal Notice for legal or commercial reasons. We recommend reading this Legal Notice prior to each access as the latest Terms and Conditions and current corporate information will be applicable.

2.3 Permitted Uses of the Website:

  • Access the Website and its contents using a compatible browser. You can make temporary copies of the Website to the extent that this occurs during normal use of the same and that these copies are used only to facilitate access to the site.
  • Print a hard copy of any of the contents of the Website or copy and save a copy of its contents in electronic format exclusively for personal use, provided that such use does not violate the provisions indicated below under "Non-permitted uses of the Website".

2.4 Non-permitted uses of the Website:

  • It is not permitted to make copies of any content or section of the Website for uses that are not strictly personal.
  • It is not allowed to delete, manipulate, alter or change any content of the Website or modify its structure or function in any way.
  • You may not include or create links to or from the Website without the prior written consent of Hiscox. For such authorisation, please contact info_spain@hiscox.com .
  • You are not authorised to perform any act that violates the copyright, trademark or other intellectual or industrial property rights of the Website and its original contents or any material copied or printed from the same.  
  • It is prohibited to introduce or attempt to introduce wilfully any computer virus (including any variant or similarly malicious code) in the Hiscox Website or systems with the aim of preventing or hindering the operation of the same or to alter its contents. Such actions constitute a crime under the Penal Code.
  • In general, it is forbidden to make any use of the Website or its content that is contrary to applicable legislation.  

Hiscox is in no way responsible for improper or incorrect use of the Website or its contents.

2.5 The Website may include links to external sites (like Twitter and YouTube), Hiscox corporate websites or associated sites. Hiscox has included such links to provide access to information and services that may be useful or interesting to you. Links to this Website may be established from other sites.  

With regard to the above, it should be noted that Hiscox, pursuant to Article 17.1 of Law 34/2002, the Information Society Services and E-commerce Act (Ley 34/2002 de Servicios de la Sociedad de la Información), is not responsible for the content or operation of any such sites, web pages or the products or services they may provide. Hiscox therefore accepts no liability for any loss or damage caused, or claimed to be caused, by the use or reliance on the information contained in these websites or web pages or the products or services purchased from them.

In this regard, the user is encouraged to read carefully the terms and conditions, privacy policies and other legal notices governing the use of each website. In particular, if you visit other Hiscox websites, please read carefully the terms and conditions and other policies governing the use of such websites as these are binding on you.

3. Intellectual and industrial property rights

All intellectual and industrial property rights of the Website or any of its contents (including text, photographs and other images and sounds, trademarks and logos, designs, structure, etc.) are the exclusive property of Hiscox or licenced to Hiscox by the rights holder.  

Neither the use of the Website or any content of the same may be interpreted as conferring a user licence or rights to the website or any of its content.

Any misuse of the Website or its tools or contents will be prosecuted as appropriate.

4. Personal Data

The management of the personal data you provide is subject to the terms of our Privacy Policy. Please refer to this document for complete information.  

5. Liability

5.1 You agree to use the Website "as is" and "as available", i.e.: each use should be limited to the resources available at that time and be subject to the current Terms and Conditions.

5.2 In no event shall Hiscox be liable for any loss or damage a user claims to have suffered as a result of the use of the Website or any of the tools or resources thereof, including, but not limited to, loss of income, the decline in sales volume, loss of revenue, goodwill, damage to any software or data, loss of business opportunities, or any other loss or harm as a consequence or derived indirectly from use of the website.

5.3 Hiscox tries to ensure that all information on the Website is correct, but given that its content is purely informative and not contractual, with the exception of offers and binding advertising that may appear on the Website, Hiscox takes no responsibility for any inaccuracies or omissions in the website, its resources (such as the Document Center) or any of the tools provided. In any case, you should contact your insurance broker or Hiscox before taking any decision in order to receive personalised legal and contractual information on insurance products and services. Hiscox is not liable for any actions taken on the basis of any information contained on the Website.

5.4 In particular, information concerning "Claims" on the Website is general and commercial in nature and should not be considered as an indication of any action to be taken or advice on a product, nor is it binding on Hiscox nor to be taken as evidence of the position to be taken by Hiscox for any specific incident or claim. Hiscox is not liable for any action you may take as a result of relying on such information for any loss or damage you claim to have suffered as result of performing this action.

5.5 Hiscox is not liable for any comments, images or other content posted on its Social Media channels by third parties or by persons within the organisation. Hiscox reserves the right to moderate the contents of its Social Media channels periodically, deleting any content considered offensive, inappropriate or which violates applicable regulations.

Regarding the Corporate Blog, our personnel are not directed or instructed by Hiscox and any comments should be considered as made in a personal capacity and should in no case be attributed to Hiscox. Hiscox does not accept any liability for the same.

5.6 Hiscox takes no responsibility for the accuracy or adequacy of the contents of the documents that appear in the Press section. These are extracts of information or articles from social media or specialised studies aimed at the sector over which Hiscox has no control.

6. Suspension and termination of service

6.1 As the owner of the Website, Hiscox may suspend access to it or operation at any time, for example, for repairs, maintenance or upgrades in its content or functionality. Therefore, access or use of the Website or any of the sites or pages linked to it will not necessarily be uninterrupted or without errors.  

6.2 Hiscox may immediately block access to the Website in the case of any violation of these Terms and Conditions, without prior notification.

6.3 In any case, Hiscox reserves the right to discontinue public access to the Website at any time.

7. Hiscox “House Rules" for our Social Media

7.1 We are active on Twitter and YouTube channels and our corporate blog in order to maintain a dialogue and engage with anyone interested in what we do. We encourage users to discuss the most interesting questions about our sector. Particularly, we want everyone to feel as comfortable as possible when interacting in our Social Media.

7.2 Hiscox is not liable for any of the comments on its Social Media or digital channels. Comments by Hiscox employees are of a personal nature and are not to be understood as ordered by or made under the direction of the Hiscox Group.

7.3 In order to ensure the content of our digital channels is always of interest, both in relation to the information from Hiscox and comments from third parties, these channels will be moderated periodically with the intention of offering the best possible quality.

For example, the following contents or comments will be deleted:

  • Any which may be discriminatory by sex, age, race, etc.
  • Spam, including post comments of a promotional or commercial nature.
  • Any content that violates the law (intellectual property, unfair competition, etc.), or is obscene, indecent, immoral or false.
  • Any personal information such as photos, ID cards, phone numbers, addresses, etc.
  • Files containing viruses, are corrupted or which can harm computers or user devices.
  • Downloadable files, including links that redirect to them.
  • Any content containing obscenities or indecent language.
  • Any post that names or refers to Hiscox personnel without their consent.
  • Any content that disparages members of our group.

At the moment you use any of our digital channels you accept our Rules as well as these Terms and Conditions and our Privacy Policy and Cookies. Please remember to respect these Rules and your fellow contributors.  

If you find any content or comment on our Social Media you believe is not consistent with any of the Hiscox Rules or these Terms and Conditions, please contact us (info_spain@hiscox.com ). We are committed in good faith to investigate any of these notices and to take action as appropriate to the circumstances of each case.  

In any case, if a user persists in their offensive behaviour or infractions of the Hiscox Rules, it will block subsequent participation.

7.4 We reserve the right to modify the contents of our Social Media and these Rules at any time, especially as Social Media evolves very rapidly and we want to keep pace with it. Please read them regularly.

7.5 In the case the content you post on any of our channels is of interest to our marketing department, we will contact you to ask your permission to use such content.

8. Applicable law

These Terms and Conditions, and all other content of this Legal Notice, are subject to Spanish law and should be interpreted in accordance therewith. Access to and use of this website is also subject to said legislation.

9. Jurisdiction

Claims and disputes will be resolved by the competent Spanish courts.  

10. Contact

  • By mail: Paseo de la Castellana 60, 7th Floor. 28046 Madrid
  • By phone: 91 515 99 00

By email: info_spain@hiscox.com 


Privacy Policy and Cookies

I. Personal Data Protection

The personal data you provide will be included in files under the responsibility of Hiscox Insurance Company, Branch in Spain, and will be treated pursuant to the Personal Data Protection Act, Law 15/1999 of December 13, and its implementing regulations, in order to provide, as appropriate, access to online tools for brokers and to manage their use of them, to answer your queries, comments or consider requests for employment for current or future vacancies.

You may exercise your rights of access, rectification, cancellation and opposition by sending an email request to Hiscox (info_spain@hiscox.com), indicating the right you wish to exercise and attaching a copy of your ID or equivalent document certifying your identity.

In the event that Hiscox was the subject of a reorganisation or sale to a third party that involved a transfer of portfolio, any personal information Hiscox had about you may be reported to the reorganised entity or third party, provided that its use is in accordance with our Privacy Policy and that communication fully complies with applicable legislation on insurance companies and personal data protection.

At the time of providing any requested data, you guarantee the authenticity, accuracy and veracity of all the information provided, pledging to keep this updated so that its corresponds at all times to your real situation. You are solely responsible for any false or inaccurate statements and the damage that they may cause to Hiscox.

II. Information about Cookies

What are they?

Cookies are small files that are placed on your PC, phone or any other device, and collect information on your navigation. Cookies are required to facilitate navigation and do not harm your computer.

What are they for?

We use cookies to allow and improve the functioning of the Website. The main purpose of our cookies is to enhance your experience in navigation. To do so, the cookies recall the access data of users and their preferences. Cookies also collect generic statistical information on the use of the Website (number of visits and pages viewed).  

How can I manage or delete cookies?

The web-browsers of most computers are initially set up to accept cookies. You can set your web-browser to disable or delete cookies installed in your computer or to inform you when a website is attempting to add a cookie.

You can also activate:

  • Private browsing which stops your browser from saving your browsing history, website passwords, cookies and other information on the pages you visit, or
  • No trace function, by which the browser requests the web sites you visit not to track your surfing habits and not, for example, to provide advertising of your interest in the sites you visit.

The following links provide information on how you can configure your cookie preferences in major browsers:

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Below is a list of the cookies set by the hiscox.es website.

If the user decides to disable cookies, the quality and speed of service may decrease and even lose access to some of the services offered or sections on the website.

You can find more information about cookies at: www.allaboutcookies.org or www.youronlinechoices.eu.

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