That sounds like a horrible experience - hope you are recovered from it now. I’ve heard others say that Hiscox were difficult when it came to claims, and at the endow the day other people’s experiences would make me decide whether or not to use an insurer, not just price for sure.
I agree your point about the total contents value as well - when you tot up the replacement value for contents of even a modest property it can be frightening, you start to get into high value insurance pretty quickly.
That’s why the unlimited cover options sound good to me - and the Aviva Premium offer looks good although when I looked on the web all I found was Aviva plus, and it wasn’t that clear if it was unlimited so I’ll need to explore with a quote I guess.
It would be good to hear from anyone who has made a significant claim under Aviva as well.