Updated September 28, 2026 · AssureCue Editorial Team
1Cover vs Simply Business
Where 1Cover and Simply Business differ
| Compare |  1Cover |  Simply Business |
|---|---|---|
| Insurance types | Travel | Landlord, Home emergency, Health |
| Provider type | Insurer | Broker |
| Cover limit | unlimited overseas emergency medical and hospital expenses | Property owners' liability up to GBP 5,000,000 |
| Claims channels | Online claim form, Phone, 24/7 emergency assistance line | Phone, Online, Email |
| Premium from | Not confirmed | £5.40 |
| Monthly payments | Not confirmed | Yes |
| Excess from | Not confirmed | £100 to £2,500 |
| Age range | no age limit on comprehensive policies; 69 and under for medical only, frequent traveller and already overseas | Not confirmed |
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Key differences
- 1Cover scores higher overall: 9.3 vs 9.1.
- Insurance types: only 1Cover offers Travel.
- Insurance types: only Simply Business offers Landlord, Home emergency, Health.
- Claims channels: only 1Cover offers Online claim form, 24/7 emergency assistance line.
- Claims channels: only Simply Business offers Online, Email.
- Support channels: only 1Cover offers Chat.
- Support channels: only Simply Business offers Email.
Our verdict on each
1Cover
1Cover is a travel insurer for travellers who want no ceiling on overseas hospital costs and help day and night once something goes wrong. It suits Australian shoppers comparing travel policies on medical cover and claim handling rather than on bundled household extras.
Simply Business
Simply Business suits small trades, limited companies and landlords who want public liability, professional indemnity and employers liability in the same place, arranged by a broker rather than an insurer. Public liability cover is priced at £5.40, and monthly payments are available on the policy.
Score breakdown
| Area | 1Cover | Simply Business |
|---|---|---|
| Cost | Not confirmed | 9.3Ranked 3 of 14 brands on starting premium, with the landlord excess at £100 to £2,500 and monthly payments available. |
| Offer | 8.8 | 9.2Higher |
| Trust | 9.6Higher | 8.8 |
Which one suits you
Pick 1Cover if trust matter most.
Pick Simply Business if offer matter most.
Every fact side by side
| Fact | 1Cover | Simply Business |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Not confirmed | Monthly |
| Legal entity | 1Cover Pty Ltd | Xbridge Limited |
| Headquarters | Australia | United Kingdom |
| Founded | Not confirmed | 2005 |
| Support channels | Phone, Chat, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | 1Cover | Simply Business | Median |
|---|---|---|---|
| Premium from | Not confirmed | £5.40below the median | £8.98 |
| Excess from | Not confirmed | £100 to £2,500highest quarter | £25 |
Median across 56 listed insurance providers.
Pros and cons
1Cover
Pros
- Overseas emergency medical and hospital expenses are unlimited overseas emergency medical and hospital expenses
- Help runs on phone, chat and help centre, with a online claim form, phone and 24/7 emergency assistance line route for urgent cases
- One category only, travel, so quotes stay quick to compare
Cons
- travel is the only category sold, so there is no bundle to price against
- Support runs on phone, chat and help centre, with no email channel listed
- The contract is with 1Cover Pty Ltd in AU rather than a global brand
Simply Business
Pros
- Monthly payments are available on the public liability policy, so cover can start without a large annual outlay.
- Public liability cover is priced at £5.40, a lower entry point than many of the brands compared here.
- Business cover is quoted together across public liability, professional indemnity and employers liability, saving separate shopping for each line.
Cons
- Cover is placed with an insurer rather than carried by Simply Business, which is a broker by broker; Hiscox UK and EuroAsia Insurance write the policy on their own account.
- The excess on the landlord policies is £100 to £2,500, and a high excess leaves more of a settled claim with you even where the starting premium is low.
- Business cover is limited to public liability, professional indemnity and employers liability, so a cyber or property policy has to be arranged elsewhere.
Who each suits
1Cover
Who it suits
- Travellers whose main worry is a large overseas hospital bill
- Older travellers planning a trip and wanting help on online claim form, phone and 24/7 emergency assistance line
- Shoppers who prefer a direct insurer rather than a broker
Who should look elsewhere
- Household policies, since 1Cover sells travel only
- Anyone wanting travel bundled with home or motor cover
- Readers who want an email thread, as phone, chat and help centre lists no email
Simply Business
Who it suits
- Trades and limited companies that want public liability, professional indemnity and employers liability quoted in one place.
- Landlords letting property, who can hold the landlord, home emergency and health cover listed under landlord, home emergency and health.
- Owners who would rather start a claim and ask a question by phone, online or email than by post, given phone, online and email and email, phone and help centre.
Who should look elsewhere
- Buyers after a single business line: WeddingPlan Insurance lists public liability only, a narrower range than public liability, professional indemnity and employers liability.
- Anyone who wants the policy written by the carrier itself: Hiscox UK is an insurer, where Simply Business sits on the broker side of the market through broker.
Current offers
1Cover
Current offer
Discount code
11% Off Travel Insurance (Spring 2026): 11% off
T&C's apply
Source, checked September 26, 2026
Simply Business
Current offer
Bonus
25 GBP gift card for signing up for a purchase reminder: GBP 25 gift card
Need to use reminder link when buying; policy still in place three weeks after start date; redeem within 45 days
Source, checked September 26, 2026
Country by country
| Country | 1Cover | Simply Business |
|---|---|---|
| Australia | Yes | No |
| United Kingdom | No | Yes |
Questions about each
1Cover
How much does a 1Cover travel policy cost?+
No premium figure for 1Cover appears in these records, so the price depends on the trip details you enter and the plan you choose. Travel is quoted per policy rather than published as one rate, and cover levels change the figure. Ask for the quote in writing before you travel so the wording matches what you paid for.
Is 1Cover the insurer or a broker?+
1Cover is a insurer, so the cover is underwritten by the company you deal with directly rather than handed to an unnamed underwriter. The legal entity named on the policy is 1Cover Pty Ltd. Your claim sits with the same firm that sold it to you, which keeps the chain short.
Simply Business
How much does public liability cover cost at Simply Business?+
Public liability cover starts at £5.40 for business customers, and that figure is an entry point for the trade and cover level entered rather than a quote for a specific business. Monthly payments are available on the policy, so the cost can be spread through the year instead of being paid up front.
Can I pay monthly or do I pay once a year?+
Monthly payments are available on the public liability policy, and the payment model is listed as monthly. That suits businesses whose income varies through the year, since the premium is paid in instalments rather than as a single annual charge.