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HSBC home insurance review

Read Which?'s expert review of HSBC's home insurance policies, find out how we rate HSBC's contents and buildings insurance and how it compares to dozens of other home insurance companies.

In this article
HSBC home insurance overview HSBC’s home insurance policy: is it good or bad?

HSBC home insurance overview

HSBC has UK-based call centres and offers a range of products from specialist high-value home insurance to pet cover. HSBC's home insurance is underwritten by Aviva.

What you need to know about HSBC's home insurance:

  • HSBC doesn't charge interest to customers paying in instalments
  • There are no policy renewal fees
  • Policies have a standard excess of £100

Which? members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a two month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

Home And Mobile Insurance
HSBC review
Overall Which? score
Our total score score combines both the Which? Customer Score, ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 25% each of Buildings and Contents policy scores.
Which? Customer Score
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Buildings policy score
Which?'s rating of the quality this company's buildings insurance policy. We analysed 32 features of its cover to calculate the policy score.
Contents policy score
Which?'s rating of the quality this company's contents insurance policy. We analysed 46 features of its cover to calculate the policy score.
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HSBC’s home insurance policy: is it good or bad?

We analyse and rate 60 of the most important elements of standard home insurance policies to come up with the overall policy score. We assess how important each individual element is when choosing and using a home insurance policy, and weight it accordingly when calculating our total policy score.

Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared to other insurers. Weightings are then applied to the higher and lower element scores to enhance/reduce their impact in the overall product score.

Table last updated in September 2018. Next updated in February 2019. 

Policy elements Details Rating Area covered
Interest charged on payment by installments (APR) Logged out score

5 out of 5

Buildings and contents
Renewal fee (£) Logged out score

5 out of 5

Buildings and contents
Home emergency cover - standard, optional, not covered? Logged out score

3 out of 5

Buildings and contents
Home emergency cover (£) Logged out score

3 out of 5

Buildings and contents
Owner's / Occupier's liability (£) Logged out score

3 out of 5

Buildings and contents
Accidental damage cover - standard, optional, not covered? Logged out score

3 out of 5

Buildings and contents
Subsidence - standard, optional, not covered? Logged out stars

5 out of 5

Buildings only
Alternative accommodation (£) Logged out score

4 out of 5

Buildings only
Burst pipes - standard, optional, not covered? Logged out score

5 out of 5

Buildings only
Blockage of sewer pipe - standard, optional, not covered? Logged out score

5 out of 5

Buildings only

Single item limit for valuables - max limit (£)

Logged out score

5 out of 5

Contents only
Contents in the open - within home boundary i.e. garden (£) Logged out score

2 out of 5

Contents only
Contents in outbuildings - including garages (£) Logged out score

5 out of 5

Contents only
Theft from outbuildings (£) Logged out score

3 out of 5

Contents only
Personal Possessions - standard, optional, not covered? Logged out score

3 out of 5

Contents only
Personal Possessions limit within a car (£) Logged out score

2 out of 5

Contents only
Pedal cycles - standard, optional, not covered? Logged out score

3 out of 5

Contents only
Mobile phones - standard, optional, not covered? Logged out score

3 out of 5

Contents only
Does mobile phone cover include calls? Logged out score

3 out of 5

Contents only