Updated September 29, 2026 · AssureCue Editorial Team
andsafe vs Hiscox UK
Where andsafe and Hiscox UK differ
| Compare |  andsafe |  Hiscox UK |
|---|---|---|
| Cover types | Public liability, Professional indemnity, Property | Public liability, Professional indemnity, Employers liability, Cyber |
| Indemnity limit | €10,000,000 | £10,000,000 |
| Premium from | €10.57 | £5.20 |
| Industries | Construction, cleaning, crafts, hospitality, IT and consulting | IT, consultancy, trades, retail, freelancers and sole traders |
| Excess from | €0 | Not confirmed |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- andsafe scores higher overall: 9.6 vs 9.5.
- Cover types: only andsafe offers Property.
- Cover types: only Hiscox UK offers Employers liability, Cyber.
- Support channels: only andsafe offers Email, Chat.
Our verdict on each
andsafe
andsafe suits small firms in construction, cleaning, crafts, hospitality plus IT and consulting that want direct insurer cover with monthly billing. Premiums run €10.57 with indemnity of €10,000,000 and claims filed through online, which keeps routine protection simple to manage.
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 | andsafe | Hiscox UK |
|---|---|---|
| Cost | 9.4Premiums run €10.57 for contents cover, with excess terms at €0 on selected liability. | 9.5HigherPremium from £5.20 ranks 2 of 14 and sits under the site median of €8.37. |
| Offer | 9.5HigherBusiness cover spans public liability, professional indemnity and property alongside personal lines across auto, home and travel. | 9.4Indemnity limit of £10,000,000 ranks 1 of 11, above the median of €3,486,547.74. |
| Trust | 9.8Higherandsafe acts as insurer under insurer, which keeps cover and claims in house. | 9.7 |
Side by side, item by item
| Cover types | andsafe | Hiscox UK |
|---|---|---|
| Public liability | Yes | Yes |
| Professional indemnity | Yes | Yes |
| Employers liability | No | Yes |
| Cyber | No | Yes |
| Property | Yes | No |
Where they rank in our lists
| Ranking | andsafe | Hiscox UK |
|---|---|---|
| Car insurance | 4 of 393 | 57 of 393 |
| Home insurance | 3 of 272 | 40 of 272 |
| Business insurance | 7 of 150 | 30 of 150 |
| Professional indemnity and liability insurance | 2 of 38 | 10 of 38 |
| Public liability insurance | 3 of 51 | 10 of 51 |
Availability and regulation
| Country | andsafe | Hiscox UK |
|---|---|---|
| Germany | Not confirmed |
Additional countries for andsafe: 1. Additional countries for Hiscox UK: 1.
Sources behind this comparison
andsafe
- andsafe.de: 10 facts, checked September 28, 2026
Hiscox UK
- hiscox.co.uk: 9 facts, checked September 26, 2026
Every fact side by side
| Fact | andsafe | Hiscox UK |
|---|---|---|
| Legal entity | andsafe Aktiengesellschaft | Hiscox Underwriting Ltd |
| Headquarters | Germany | United Kingdom |
| Support channels | Email, Chat, Phone, Help centreCovers more | Phone, Help centre |
Personal insurance
| Fact | andsafe | Hiscox UK |
|---|---|---|
| Insurance types | Auto, Home, Travel, Pet, Bicycle | Home, Renters, Landlord, Auto, Home emergency |
| Pricing model | Monthly | Not confirmed |
| Cover limit | 30 Mio. EUR | GBP 100,000 |
| Claims channels | Online | Phone, Online, PostCovers more |
Where each stands against the rest
| Fact | andsafe | Hiscox UK | Median |
|---|---|---|---|
| Excess from | €0below the median | Not confirmed | €100 |
Median across 16 listed insurance providers.
Pros and cons
andsafe
Pros
- Direct insurer cover across public liability, professional indemnity and property for liability and property risks in listed trades.
- Indemnity of €10,000,000 for business liability alongside private liability of 30 Mio. EUR.
- Excess terms at €0 on selected liability, with premiums run €10.57 for contents.
Cons
- Business cover centres on public liability, professional indemnity and property, while Hiscox also lists employers liability and cyber within public liability, professional indemnity and employers liability.
- Premiums run €10.57 for contents cover, which can look dear against lean entry offers elsewhere.
- Claims run through online, which may feel narrow if you prefer phone led claims handling.
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
andsafe
Who it suits
- Trade and service firms that want liability plus property under public liability, professional indemnity and property from a direct insurer.
- Households that also want auto, home, travel, pet or bicycle cover under auto, home and travel in the same place.
Who should look elsewhere
- Firms that need cyber or employers liability should compare Hiscox, since andsafe centres on public liability, professional indemnity and property.
- Shoppers that want broker choice across many carriers may prefer a marketplace over a direct insurer under insurer.
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 | andsafe | Hiscox UK |
|---|---|---|
| Germany | Yes | No |
| United Kingdom | No | Yes |
Questions about each
andsafe
What does andsafe charge for business cover?+
Premiums run €10.57 for contents cover, while excess terms sit at €0 on selected liability. The exact amount you pay depends on trade, turnover, limits and options chosen, so use the quote path to confirm your rate before purchase.
Which types of insurance does andsafe provide?+
Business cover spans public liability, professional indemnity and property, covering public liability, professional indemnity and property risks. Personal lines span auto, home and travel, namely auto, home, travel, pet and bicycle, so you can keep several everyday policies with the same provider.
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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