Updated September 28, 2026 · AssureCue Editorial Team
Allianz Assistance ES vs Hiscox UK
Allianz Assistance ES vs Hiscox UK: the differences
| Compare |  Allianz Assistance ES |  Hiscox UK |
|---|---|---|
| Premium from | €1.50 | £5.20 |
| Insurance types | Travel, Landlord | Home, Renters, Landlord, Auto, Home emergency |
| Cover limit | Medical expenses abroad: up to 20,000 EUR (Bronze), 100,000 EUR (Silver), 500,000 EUR (Gold) | GBP 100,000 |
| Claims channels | Online, Email, Post | Phone, Online, Post |
| Monthly payments | Not confirmed | Yes |
| Excess from | €90 | Not confirmed |
Same on both: Provider type (Insurer).
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Key differences
- Hiscox UK scores higher overall: 9.5 vs 9.3.
- Allianz Assistance ES is available in 1 more country.
- Insurance types: only Allianz Assistance ES offers Travel.
- Insurance types: only Hiscox UK offers Home, Renters, Auto.
- Claims channels: only Allianz Assistance ES offers Email.
- Claims channels: only Hiscox UK offers Phone.
- Support channels: only Allianz Assistance ES offers Email.
Our verdict on each
Allianz Assistance ES
Allianz Assistance ES suits people in Spain buying travel or landlord cover who want a named insurer behind the policy rather than a broker. Premiums start at €1.50 and support runs through phone, email and help centre, so help is easy to reach before a claim.
Hiscox UK
Hiscox UK suits small businesses, sole traders and freelancers who want an insurer with a high indemnity limit at a low entry price. It sits first of 11 on indemnity limit and second of 14 on premium from, with business cover priced from £5.20 a month.
Score breakdown
| Area | Allianz Assistance ES | Hiscox UK |
|---|---|---|
| Cost | 9.2Entry premium is €1.50 with an excess from €90, both low beside the €8.37 site median for personal cover. | 9.5HigherPremium from £5.20 ranks 2 of 14 and sits under the site median of €8.37. |
| Offer | 8.9 | 9.4HigherIndemnity limit of £10,000,000 ranks 1 of 11, above the median of €3,486,547.74. |
| Trust | 9.6 | 9.7Higher |
Positions in our rankings
| Ranking | Allianz Assistance ES | Hiscox UK |
|---|---|---|
| Home insurance | 63 of 272 | 40 of 272 |
| Landlord insurance | 13 of 55 | 7 of 55 |
Feature by feature
| Insurance types | Allianz Assistance ES | Hiscox UK |
|---|---|---|
| Auto | No | Yes |
| Home | No | Yes |
| Renters | No | Yes |
| Travel | Yes | No |
| Landlord | Yes | Yes |
| Home emergency | No | Yes |
Availability and regulation
| Country | Allianz Assistance ES | Hiscox UK |
|---|---|---|
| France | Not confirmed | |
| Spain | Not confirmed |
Additional countries for Allianz Assistance ES: 2. Additional countries for Hiscox UK: 1.
What we checked
Allianz Assistance ES
- allianz-assistance.es: 9 facts, checked September 26, 2026
Hiscox UK
- hiscox.co.uk: 9 facts, checked September 26, 2026
Every fact side by side
| Fact | Allianz Assistance ES | Hiscox UK |
|---|---|---|
| Legal entity | AWP P&C SA. Sucursal en España | Hiscox Underwriting Ltd |
| Headquarters | Spain | United Kingdom |
| Support channels | Phone, Email, Help centreCovers more | Phone, Help centre |
Where each stands against the rest
| Fact | Allianz Assistance ES | Hiscox UK | Median |
|---|---|---|---|
| Excess from | €90above the median | Not confirmed | €70 |
Median across 68 listed insurance providers.
Pros and cons
Allianz Assistance ES
Pros
- An insurer rather than a middleman, so the sale, the policy and the claim sit with AWP P&C SA. Sucursal en España
- Support runs on phone, email and help centre for policy questions before a claim
- Claims can be filed through online, email and post, which lists online, email and post
Cons
- travel and landlord lists travel and landlord only, narrower than auto, home and renters
- An excess from €90 is left with you on a claim
- The lowest travel tier sets the smallest medical expenses abroad limit under the cover limit fact, so a heavy treatment bill abroad rests with you
Hiscox UK
Pros
- Indemnity limits of £10,000,000 rank first of 11 brands on our data, well above the site median of €3,486,547.74.
- Business lines cover public liability, professional indemnity, employers liability and cyber, so several core covers sit with one insurer.
- Premium from £5.20 sits below the site median of €8.37, and Hiscox UK ranks 2 of 14 on entry price.
Cons
- Support runs on phone and help centre only, so a help centre and phone line are the listed ways to reach the team.
- Business cover is limited to public liability, professional indemnity and employers liability, with no property business line among the listed lines.
- The entry premium is a starting figure, and business insurance premium from £5.20 sits under a category spread running to €3,431.08.
Who each suits
Allianz Assistance ES
Who it suits
- Travellers buying cover in Spain who want help with medical costs abroad
- Landlords letting a property under travel and landlord
- Anyone who prefers an insurer that carries the risk itself
Who should look elsewhere
- Drivers and motorbike riders, since travel and landlord covers travel and landlord only and car cover sits elsewhere, such as Hiscox UK
- House occupiers shopping for buildings and contents cover, which Hiscox UK and Good Sam Insurance Agency list in home, renters and landlord and auto, home and renters
Hiscox UK
Who it suits
- IT companies, consultancies and trades that need a high indemnity limit on professional indemnity
- Freelancers and sole traders buying their first business policy
- Businesses wanting public liability, employers liability and cyber from one insurer
Who should look elsewhere
- Buyers who want a broker to shop the whole market for them, such as broker
- Buyers needing property business cover, which sits outside public liability, professional indemnity and employers liability
- Personal only shoppers, as the listed cover centres on business lines in public liability, professional indemnity and employers liability
Country by country
| Country | Allianz Assistance ES | Hiscox UK |
|---|---|---|
| France | Yes | No |
| Spain | Yes | No |
| United Kingdom | No | Yes |
Questions about each
Allianz Assistance ES
What does a travel policy from Allianz Assistance ES start at?+
The opening premium is €1.50 for travel cover, which reads as a low entry point beside the €8.37 site median. The final price moves with the tier, the trip and the cover limit you pick, so treat that figure as the floor rather than the quote.
Is this brand an insurer or a broker?+
It is registered as an insurer under insurer, which means it carries the risk in its own name. You deal with one company for the sale, the policy and the claim, with no separate underwriter to trace.
Hiscox UK
How much does business insurance cost at Hiscox UK?+
Business cover starts at £5.20 a month with monthly payments available. That entry figure sits below the site median of €8.37 and under the business insurance median of €8.37. Your own price depends on the cover, the limit and the trade.
What is the highest indemnity limit offered?+
Professional indemnity cover reaches £10,000,000. That ranks Hiscox UK 1 of 11 brands on our data, and the site median for the same limit is €3,486,547.74. Higher limits usually cost more, so pair the figure with the premium.
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