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
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Car insurance

Ranked 50th of 52 providers reviewed.

Customer happiness 58.51%
Customer trust 46.28%
Complaints performance 63.64%
Transparency rating 42.49%
Fairer Finance score
Reviewed Autumn 2020
53%

Car insurance

Hughes Insurance

Car Insurance

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

Hughes Insurance

Private Car Insurance

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

Home insurance (building and contents)

Hughes Insurance

Home Insurance

4 stars
Escape of water excess i £250
Matching sets i
Theft from outbuildings cover limit i £3,000
24hr helpline i
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

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
Property owner liability i £2,000,000
24hr helpline i

Contents insurance

Hughes Insurance

Home Insurance

4 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

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

Hughes Insurance

Standard

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

Single trip insurance

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

Hughes Insurance

Standard

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

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
Ski equipment owned excess i £0
Ski equipment hired i £250
Single item limit for hired equipment i £250
Avalanche closure cover limit i £300
Piste closure cover limit i £300
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
Ski equipment owned excess i £0
Ski equipment hired i £250
Single item limit for hired equipment i £250
Avalanche closure cover limit i £300
Piste closure cover limit i £300
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
Ski equipment owned excess i £0
Ski equipment hired i £250
Single item limit for hired equipment i £250
Avalanche closure cover limit i £300
Piste closure cover limit i £300
Unused ski pass due to illness or injury i £500

Travel Insurance Covid-19 Cover

1 stars
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Does the policy cover medical cover if you catch Covid-19?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
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?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)

Hughes Insurance

Standard

1 stars
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Does the policy cover medical cover if you catch Covid-19?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
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?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)
1 stars
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Does the policy cover medical cover if you catch Covid-19?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
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?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)