Updated September 28, 2026 · AssureCue Editorial Team
ERGO Group Deutschland vs Hiscox UK
ERGO Group Deutschland vs Hiscox UK: the differences
| Compare |  ERGO Group Deutschland |  Hiscox UK |
|---|---|---|
| Premium from | €3.90 | £5.20 |
| Insurance types | Auto, Home, Life, Health, Travel, Motorcycle, Dental, Income protection | Home, Renters, Landlord, Auto, Home emergency |
| Cover limit | 31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg) | GBP 100,000 |
| Claims channels | Online, Phone | Phone, Online, PostCovers more |
| Age range | Under 36 (13% start bonus for young people) | Not confirmed |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Hiscox UK scores higher overall: 9.5 vs 9.4.
- Insurance types: only ERGO Group Deutschland offers Life, Health, Travel.
- Insurance types: only Hiscox UK offers Renters, Landlord, Home emergency.
- Claims channels: only Hiscox UK offers Post.
- Support channels: only ERGO Group Deutschland offers Email, Chat.
- Support channels: only Hiscox UK offers Help centre.
Our verdict on each
ERGO Group Deutschland
ERGO Group Deutschland suits people who want one insurer for home, car and health cover, with premiums starting at €3.90 on a home policy. The support mix and monthly payment option make the account easy to run, and the price sits below the site median of €8.37.
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 | ERGO Group Deutschland | Hiscox UK |
|---|---|---|
| Cost | 9.3Premiums start at €3.90 on the Smart home policy, under the site median of €8.37, with monthly payments available. | 9.5HigherPremium from £5.20 ranks 2 of 14 and sits under the site median of €8.37. |
| Offer | 9.1 | 9.4HigherIndemnity limit of £10,000,000 ranks 1 of 11, above the median of €3,486,547.74. |
| Trust | 9.6 | 9.7Higher |
Where they rank in our lists
| Ranking | ERGO Group Deutschland | Hiscox UK |
|---|---|---|
| Car insurance | 7 of 394 | 59 of 394 |
| Home insurance | 6 of 273 | 42 of 273 |
| Business insurance | 8 of 150 | 30 of 150 |
| Public liability insurance | 4 of 51 | 10 of 51 |
Licences and countries
| Country | ERGO Group Deutschland | Hiscox UK |
|---|---|---|
| Germany | Not confirmed |
Additional countries for ERGO Group Deutschland: 1. Additional countries for Hiscox UK: 1.
Every fact side by side
| Fact | ERGO Group Deutschland | Hiscox UK |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | ERGO Group AG | Hiscox Underwriting Ltd |
| Headquarters | Germany | United Kingdom |
| Support channels | Email, Chat, Phone | Phone, Help centre |
Business insurance
| Fact | ERGO Group Deutschland | Hiscox UK |
|---|---|---|
| Cover types | Public liability, Cyber, Property | Public liability, Professional indemnity, Employers liability, Cyber |
| Indemnity limit | Not confirmed | £10,000,000 |
| Industries | Not confirmed | IT, consultancy, trades, retail, freelancers and sole traders |
Pros and cons
ERGO Group Deutschland
Pros
- Premiums start at €3.90 on the Smart home policy, below the site median of €8.37
- Monthly payments are available, so the cost spreads across the year rather than landing in one bill
- Support runs on email, chat and phone, so you can reach a person on chat, email or phone
Cons
- The starting premium of €3.90 belongs to the Smart home policy for a small flat, so it reads as an entry point rather than a price for a larger home
- The age band shown is Under 36 (13% start bonus for young people), so the starting price applies to a narrower group
- Support runs on email, chat and phone only, with no branch or broker option listed
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
ERGO Group Deutschland
Who it suits
- Households in Germany who want home, car, health, life, travel, motorbike, dental and income protection from one insurer
- Renters or flat owners who want monthly payments instead of a single annual bill
- Small businesses that need public liability, cyber or property cover alongside personal lines
Who should look elsewhere
- Shoppers whose main need is professional or employers liability, since business cover is limited to public liability, cyber and property
- People wanting pet or renters insurance, as neither appears in auto, home and life
- Anyone who wants branch or in person service, since support runs on email, chat and phone only
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
Current offers
ERGO Group Deutschland
Current offer
Bonus
13% start bonus for young people on ERGO Hausratversicherung: 13%
Granted while the policyholder has not yet reached age 36; applied automatically
Source, checked September 26, 2026
Country by country
| Country | ERGO Group Deutschland | Hiscox UK |
|---|---|---|
| Germany | Yes | No |
| United Kingdom | No | Yes |
Questions about each
ERGO Group Deutschland
What does ERGO Group Deutschland cost to start with?+
The published entry price is €3.90, attached to the Smart home policy. The site median for this field is €8.37, and the lower quartile is €2.92, so the starting figure sits in the cheaper part of the market range. It applies to that one home product rather than every policy.
Can I pay monthly instead of in one payment?+
Yes. Monthly payments are available, so the premium can be spread over the year rather than paid as a single sum. That is the payment model listed for this insurer, and it is the norm across the site, where 88.9% is the share of brands offering it.
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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