Updated September 28, 2026 · AssureCue Editorial Team
Coverdrone vs Hiscox
Coverdrone vs Hiscox: the differences
| Compare |  Coverdrone |  Hiscox |
|---|---|---|
| Provider type | Broker | Insurer |
| Cover types | Public liability | Public liability, Professional indemnity, Employers liability, CyberCovers more |
| Indemnity limit | £1,000,000 | £10,000,000Higher |
| Premium from | £17.42 | £7.20Lower |
| Industries | drones and UAV operators | consultants, contractors, IT, freelancers, self-employed, tradesmen |
Same on both: Excess from (£250), Monthly payments (Yes).
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Key differences
- Hiscox scores higher overall: 9.3 vs 8.8.
- Founded is lower at Hiscox: 1901 vs 2007.
- Premium from is lower at Hiscox: £7.20 vs £17.42.
- Cover types: only Hiscox offers Professional indemnity, Employers liability, Cyber.
- Indemnity limit is higher at Hiscox: £10,000,000 vs £1,000,000.
- Support channels: only Coverdrone offers Email, Chat.
Our verdict on each
Coverdrone
Coverdrone is a UK broker for drones and UAV operators whose recreational public liability policy starts at £17.42 a month. It suits hobbyist and light commercial fliers who want drone-specific wording, monthly billing and phone support, though its single business line limits what else you can add.
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 | Coverdrone | Hiscox |
|---|---|---|
| Cost | 8.8Cost: monthly recreational premiums start at £17.42 with an excess from £250, cost score 5. | 9.0HigherA premium of £7.20 paired with an excess from £250 lifts what a small claim costs you. |
| Offer | 8.8 | 9.4HigherLines listed in public liability, professional indemnity and employers liability, monthly payments on the monthly model, and claims through online and phone. |
| Trust | 8.7 | 9.6Higher |
Availability and regulation
| Country | Coverdrone | Hiscox |
|---|---|---|
| United Kingdom | Not confirmed |
Available in 1 country for both.
Side by side, item by item
| Cover types | Coverdrone | Hiscox |
|---|---|---|
| Public liability | Yes | Yes |
| Professional indemnity | No | Yes |
| Employers liability | No | Yes |
| Cyber | No | Yes |
Sources behind this comparison
Coverdrone
- coverdrone.com: 11 facts, checked September 26, 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
How they place
| Ranking | Coverdrone | Hiscox |
|---|---|---|
| Car insurance | 235 of 375 | 91 of 375 |
| Business insurance | 104 of 147 | 57 of 147 |
| Public liability insurance | 43 of 52 | 23 of 52 |
Every fact side by side
| Fact | Coverdrone | Hiscox |
|---|---|---|
| Legal entity | Coverdrone Limited | Hiscox Insurance Company Limited |
| Headquarters | United Kingdom | Bermuda |
| Founded | 2007 | 1901Lower |
| Support channels | Email, Chat, Phone, Help centreCovers more | Phone, Help centre |
Personal insurance
| Fact | Coverdrone | Hiscox |
|---|---|---|
| Insurance types | Not confirmed | Auto |
| Pricing model | Monthly | Monthly |
| Cover limit | Public liability from GBP 1,000,000 | General liability: $300,000 to $2,000,000 limits |
| Claims channels | Online form, Phone, Email | Online, Phone |
Where each stands against the rest
| Fact | Coverdrone | Hiscox | Median |
|---|---|---|---|
| Indemnity limit | £1,000,000lowest quarter | £10,000,000highest quarter | £5,000,000 |
| Premium from | £17.42above the median | £7.20at the median | £7.20 |
| Excess from | £250highest quarter | £250highest quarter | £50 |
Median across 13 listed insurance providers.
Pros and cons
Coverdrone
Pros
- Premiums start at £17.42 and can be paid monthly, monthly, keeping the cash outlay small
- Public liability to Public liability from GBP 1,000,000, enough for most recreational and light commercial flying
- Support covers email, chat and phone and claims can run through online form, phone and email
Cons
- Cover is limited to public liability, public liability, so operators needing other business lines must look elsewhere
- An indemnity limit of £1,000,000 sits below the £5,000,000 offered by WeddingPlan Insurance
- Coverdrone is a broker rather than an insurer, broker, so the policy terms sit with the underwriter behind it
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
Coverdrone
Who it suits
- Recreational drone and UAV pilots who want public liability cover for flying
- Operators who prefer monthly payments over a single annual charge
- Flyers who want claims handled through online form, phone and email
Who should look elsewhere
- Anyone who needs a broad business bundle, since the listed lines are public liability
- Operators whose contracts demand a limit far above £1,000,000, where Hiscox UK is worth weighing
- Buyers who want to deal only with an insurer, given broker
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 | Coverdrone | Hiscox |
|---|---|---|
| United Kingdom | Yes | Yes |
Questions about each
Coverdrone
How much does cover cost and can I pay monthly?+
Premiums start at £17.42 for the recreational policy, and the cover can be paid monthly, so monthly billing spreads the cost rather than charging a single annual sum. An excess starts at £250, which is the part you keep paying toward a settled claim before cover steps in.
How much liability cover do I get?+
Public liability runs from Public liability from GBP 1,000,000, and £1,000,000 is the stated limit on the main cover details. That is below the £5,000,000 limit listed for WeddingPlan Insurance, so a client with a large contract requirement may need a higher tier.
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.