Hughes Insurance

Hughes Insurance is a private company that offers a range of insurance policies, including home, travel and car insurance. 

Hughes Insurance has been a direct insurer since 1977 and is based in Northern Ireland.

It is one of Northern Ireland's leading insurance brokers, and offers its products through a panel of other insurers.

Hughes Insurance
Visit provider's website

We don't get paid for any links on our site.

Car insurance

Ranked 51st of 54 providers reviewed.

Customer happiness 62.5%
Customer trust 43.75%
Complaints performance 59%
Transparency rating 58.22%
Fairer Finance score
Reviewed Autumn 2021
56%

Car insurance

Hughes Insurance

Car Insurance

2 stars
Cover limit for lost keys i Unlimited
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
New car replacement
Windscreen repair excess i £0
Windscreen replacement excess i £50
Repairs guarantee (years) i 0 years
Cover limit for stolen keys i Unlimited
24hr helpline available i
Courtesy car provided if stolen / total loss i

Hughes Insurance

Private Car Insurance

1 stars
Cover limit for lost keys i Unlimited
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i unlimited
New car replacement
Windscreen repair excess i £0
Windscreen replacement excess i £50
Repairs guarantee (years) i 0 years
Cover limit for stolen keys i unlimited
24hr helpline available i
Courtesy car provided if stolen / total loss i

Home insurance (building and contents)

Hughes Insurance

Home Insurance

4 stars
Matching sets i
Theft from outbuildings cover limit i £3,000
Escape of water excess i £250
Alternative accommodation cover limit i £20,000
Cover for keys if lost i £750
Money in the home i £500
Replace belongings new for old i
24hr helpline i

Buildings insurance

Hughes Insurance

Home Insurance

4 stars
Finding & repairing a leak cover limit i £5,750
Cover for keys if lost i £750
Matching sets i
Alternative accommodation cover limit i £20,000
Cover for keys if stolen i £750
Compulsory excess i £100
Escape of water excess i £250
24hr helpline i
Property owner liability i £2,000,000

Contents insurance

Hughes Insurance

Home Insurance

3 stars
Theft from outbuildings cover limit i £3,000
Matching sets i
Cover for keys if lost i £750
Cover limit for cycles in the home i £750
Replace belongings new for old i
Alternative accommodation cover limit i £5,000
Money in the home cover limit i £500
Cover for keys if stolen i £750
24hr helpline i

Travel insurance

Annual multi-trip insurance

3 stars
Cancelling before travel cover limit i £3,000
Medical excess i £0
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £1,500
Cutting trip short cover limit i £3,000
Abandoning your trip cover limit i £200
Emergency medical cover and repatriation cover limit i £10,000,000
Mental health cover i
Lost or stolen cash i £250
Combined passport & travel cover limit i £250
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 44 days

Hughes Insurance

Standard

3 stars
Cancelling before travel cover limit i £1,500
Medical excess i £0
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £1,000
Cutting trip short cover limit i £1,500
Abandoning your trip cover limit i £150
Emergency medical cover and repatriation cover limit i £5,000,000
Mental health cover i
Lost or stolen cash i £200
Combined passport & travel cover limit i £200
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 44 days
2 stars
Cancelling before travel cover limit i £350
Medical excess i £0
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £500
Cutting trip short cover limit i £350
Abandoning your trip cover limit i £100
Emergency medical cover and repatriation cover limit i £2,000,000
Mental health cover i
Lost or stolen cash i £150
Combined passport & travel cover limit i £150
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 44 days

Single trip insurance

3 stars
Cancelling before travel cover limit i £3,000
Medical excess i £0
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,500
Cutting trip short cover limit i £3,000
Abandoning your trip cover limit i £200
Emergency medical cover and repatriation cover limit i £10,000,000
Lost or stolen cash i £250
Combined passport & travel cover limit i £250
Missed departure cover limit i £800

Hughes Insurance

Standard

2 stars
Cancelling before travel cover limit i £1,500
Medical excess i £0
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,000
Cutting trip short cover limit i £1,500
Abandoning your trip cover limit i £150
Emergency medical cover and repatriation cover limit i £5,000,000
Lost or stolen cash i £200
Combined passport & travel cover limit i £200
Missed departure cover limit i £600
1 stars
Cancelling before travel cover limit i £350
Medical excess i £0
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £500
Cutting trip short cover limit i £350
Abandoning your trip cover limit i £100
Emergency medical cover and repatriation cover limit i £2,000,000
Lost or stolen cash i £150
Combined passport & travel cover limit i £150
Missed departure cover limit i £500

Travel insurance add-on: winter sports

4 stars
Ski equipment owned cover limit i £500
Single owned item cover limit i £500
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £250
Avalanche closure cover limit i £300
Piste closure cover limit i £300
Ski equipment owned excess i £0
Ski equipment hired i £250
Single item limit for hired equipment i £250
Unused ski pass due to illness or injury i £500

Hughes Insurance

Standard

4 stars
Ski equipment owned cover limit i £500
Single owned item cover limit i £500
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £250
Avalanche closure cover limit i £300
Piste closure cover limit i £300
Ski equipment owned excess i £0
Ski equipment hired i £250
Single item limit for hired equipment i £250
Unused ski pass due to illness or injury i £500
4 stars
Ski equipment owned cover limit i £500
Single owned item cover limit i £500
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £250
Avalanche closure cover limit i £300
Piste closure cover limit i £300
Ski equipment owned excess i £0
Ski equipment hired i £250
Single item limit for hired equipment i £250
Unused ski pass due to illness or injury i £500

Travel Insurance Covid-19 Cover

Hughes Insurance

Standard

3 stars
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Does the policy cover medical cover if you catch Covid-19?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)
3 stars
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Does the policy cover medical cover if you catch Covid-19?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)
2 stars
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Does the policy cover medical cover if you catch Covid-19?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)