Updated September 29, 2026 · AssureCue Editorial Team
andsafe vs Hiscox
Where andsafe and Hiscox differ
| Compare |  andsafe |  Hiscox |
|---|---|---|
| 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 | £7.20 |
| Excess from | €0 | £250 |
| Industries | Construction, cleaning, crafts, hospitality, IT and consulting | consultants, contractors, IT, freelancers, self-employed, tradesmen |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- andsafe scores higher overall: 9.6 vs 9.3.
- Cover types: only andsafe offers Property.
- Cover types: only Hiscox 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
Hiscox is the insurer on this comparison that carries risk on its own balance sheet, with an indemnity limit of £10,000,000 for consultants, contractors and the self-employed. It suits small consultancies and trades that want a deep limit on paper and can absorb a premium of £7.20 with an excess of £250.
Score breakdown
| Area | andsafe | Hiscox |
|---|---|---|
| Cost | 9.4HigherPremiums run €10.57 for contents cover, with excess terms at €0 on selected liability. | 9.0A premium of £7.20 paired with an excess from £250 lifts what a small claim costs you. |
| Offer | 9.5HigherBusiness cover spans public liability, professional indemnity and property alongside personal lines across auto, home and travel. | 9.4Lines listed in public liability, professional indemnity and employers liability, monthly payments on the monthly model, and claims through online and phone. |
| Trust | 9.8Higherandsafe acts as insurer under insurer, which keeps cover and claims in house. | 9.6 |
Side by side, item by item
| Cover types | andsafe | Hiscox |
|---|---|---|
| Public liability | Yes | Yes |
| Professional indemnity | Yes | Yes |
| Employers liability | No | Yes |
| Cyber | No | Yes |
| Property | Yes | No |
Licences and countries
| Country | andsafe | Hiscox |
|---|---|---|
| Germany | Not confirmed | |
| United Kingdom | Not confirmed |
Additional countries for andsafe: 1. Additional countries for Hiscox: 1.
How they place
| Ranking | andsafe | Hiscox |
|---|---|---|
| Car insurance | 4 of 375 | 91 of 375 |
| Business insurance | 7 of 147 | 57 of 147 |
| Professional indemnity and liability insurance | 2 of 39 | 20 of 39 |
| Public liability insurance | 3 of 52 | 23 of 52 |
What we checked
andsafe
- andsafe.de: 10 facts, checked September 28, 2026
Hiscox
- hiscox.co.uk: 5 facts, checked September 26, 2026
- en.wikipedia.org: 2 facts, checked September 26, 2026
- compareyourbusinesscosts.co.uk: 1 fact, checked September 26, 2026
- find-and-update.company-information.service.gov.uk: 1 fact, checked September 26, 2026
- kalkine.co.uk: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | andsafe | Hiscox |
|---|---|---|
| Legal entity | andsafe Aktiengesellschaft | Hiscox Insurance Company Limited |
| Headquarters | Germany | Bermuda |
| Founded | Not confirmed | 1901 |
| Support channels | Email, Chat, Phone, Help centreCovers more | Phone, Help centre |
Personal insurance
| Fact | andsafe | Hiscox |
|---|---|---|
| Insurance types | Auto, Home, Travel, Pet, BicycleCovers more | Auto |
| Pricing model | Monthly | Monthly |
| Cover limit | 30 Mio. EUR | General liability: $300,000 to $2,000,000 limits |
| Claims channels | Online | Online, PhoneCovers more |
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
Pros
- An indemnity limit of £10,000,000 ranks 1 of 11 brands on this comparison, so the cover on paper is deeper than most of the field.
- Hiscox is an insurer, so the risk stays with the company that writes the policy rather than with a broker such as WeddingPlan Insurance or a comparison site such as EverQuote.
- Monthly payments are available, and monthly is the payment model listed, so cash flow follows the month rather than the renewal date.
Cons
- The excess starts at £250, so a small claim leaves more of the bill with the business than a policy with a lower excess would.
- The entry premium of £7.20 sits above the median premium across the brands compared here, which is €8.37, so Hiscox is not the value pick at the starting price.
- The insurance type listed is auto alone, so a firm that wants motor cover in the same place has to look elsewhere for it.
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
Who it suits
- Consultants, contractors, IT freelancers, the self-employed and tradesmen, the industries Hiscox names for its business cover.
- Small firms that want depth on paper, since the indemnity limit of £10,000,000 ranks 1 of 11 brands here.
- Businesses that would rather spread the cost, since monthly payments are available on the monthly model.
Who should look elsewhere
- Readers shopping purely on entry price, because Hiscox UK quotes £5.20 against £7.20 for this brand.
- Firms that would rather have a broker place the cover, since WeddingPlan Insurance is a broker and handles the placement instead.
- People who want many insurers screened in a single search, since EverQuote is a comparison site rather than an underwriter.
Country by country
| Country | andsafe | Hiscox |
|---|---|---|
| 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
What does Hiscox business cover start at?+
Business cover is quoted from a premium of £7.20. The median premium across the brands compared here is €8.37, so the headline figure sits above the middle. Your own price will move with your trade, the limit you choose and the volume of work you handle.
What is the excess on a Hiscox claim?+
The excess starts at £250, which is the amount a claim leaves you to cover before the insurer steps in. A policy priced at £7.20 can still cost more than a dearer rival if the excess is set high, so read both figures together before you choose.
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