Updated September 29, 2026 · AssureCue Editorial Team
ERGO vs Hiscox UK
What sets them apart
| Compare | ERGO ReviewSee alternativesSee alternatives |  Hiscox UK |
|---|---|---|
| Premium from | CZK 44 | £5.20 |
| Insurance types | Travel | Home, Renters, Landlord, Auto, Home emergency |
| Monthly payments | No | YesHas it |
| Cover limit | 100 million CZK medical expenses | GBP 100,000 |
| Claims channels | Online, Phone, Email, Chat | Phone, Online, Post |
| Excess from | €150 | Not confirmed |
| Age range | 18-69 | Not confirmed |
Same on both: Provider type (Insurer).
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Key differences
- Hiscox UK scores higher overall: 9.5 vs 9.3.
- Monthly payments: only Hiscox UK.
- Insurance types: only ERGO offers Travel.
- Insurance types: only Hiscox UK offers Home, Renters, Landlord.
- Claims channels: only ERGO offers Email, Chat.
- Claims channels: only Hiscox UK offers Post.
- Support channels: only ERGO offers Email, Chat.
- Support channels: only Hiscox UK offers Help centre.
Our verdict on each
ERGO
ERGO suits adults planning single trips who want cover from an insurer with long history and clear medical limits. Premiums start at CZK 44 with medical expenses cover of 100 million CZK medical expenses and claims support across online, phone and email.
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 | Hiscox UK |
|---|---|---|
| Cost | 8.9Entry travel premiums start at CZK 44, which frames upfront cost. | 9.5HigherPremium from £5.20 ranks 2 of 14 and sits under the site median of €8.37. |
| Offer | 9.0Travel focus shown by travel with medical cover of 100 million CZK medical expenses. | 9.4HigherIndemnity limit of £10,000,000 ranks 1 of 11, above the median of €3,486,547.74. |
| Trust | 9.7Long operating history since 1907 as insurer supports trust. | 9.7 |
Side by side, item by item
| Insurance types | ERGO | Hiscox UK |
|---|---|---|
| Auto | No | Yes |
| Home | No | Yes |
| Renters | No | Yes |
| Travel | Yes | No |
| Landlord | No | Yes |
| Home emergency | No | Yes |
Availability and regulation
| Country | ERGO | Hiscox UK |
|---|---|---|
| Czechia | Not confirmed |
Additional countries for ERGO: 1. Additional countries for Hiscox UK: 1.
Where they rank in our lists
| Ranking | ERGO | Hiscox UK |
|---|---|---|
| Business insurance | 62 of 147 | 31 of 147 |
| Professional indemnity and liability insurance | 22 of 39 | 11 of 39 |
| Public liability insurance | 26 of 52 | 11 of 52 |
Where these facts come from
ERGO
- ergo-cestovni.cz: 12 facts, checked September 29, 2026
Hiscox UK
- hiscox.co.uk: 9 facts, checked September 26, 2026
Every fact side by side
| Fact | ERGO | Hiscox UK |
|---|---|---|
| Legal entity | ERGO Cestovní Pojišťovna, a. s. | Hiscox Underwriting Ltd |
| Headquarters | Czechia | United Kingdom |
| Founded | 1907 | Not confirmed |
| Support channels | Email, Phone, Chat | Phone, Help centre |
Business insurance
| Fact | ERGO | Hiscox UK |
|---|---|---|
| Cover types | Public liability, Professional indemnity, Property | Public liability, Professional indemnity, Employers liability, Cyber |
| Indemnity limit | CZK 100,000,000 | £10,000,000 |
| Industries | Travel, tourism, business travel, entrepreneurs, self-employed | IT, consultancy, trades, retail, freelancers and sole traders |
Where each stands against the rest
| Fact | ERGO | Hiscox UK | Median |
|---|---|---|---|
| Excess from | €150above the median | Not confirmed | €50 |
Median across 71 listed insurance providers.
Pros and cons
ERGO
Pros
- Medical expenses cover of 100 million CZK medical expenses for single trip travel.
- Premiums start at CZK 44 for entry level trip cover.
- Claims can be made via online, phone and email.
Cons
- Excess starts at €150, which adds upfront cost to small claims.
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
Who it suits
- Adults within 18-69 seeking single trip travel cover
- Entrepreneurs and self employed travellers needing business travel protection
Who should look elsewhere
- Shoppers wanting wider personal cover beyond travel may prefer LV=, which lists auto, home and pet.
- Shoppers comparing low entry premiums may check die Bayerische, which shows €2.09.
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 | ERGO | Hiscox UK |
|---|---|---|
| Czechia | Yes | No |
| United Kingdom | No | Yes |
Questions about each
ERGO
What does ERGO travel cover cost at entry level?+
Premiums for ERGO single trip travel cover start at CZK 44. The exact amount depends on destination, length of stay and chosen options. The starting figure helps compare entry cost before reviewing limits and excess.
What medical cover limit does ERGO provide for travel?+
ERGO provides medical expenses cover of 100 million CZK medical expenses for its single trip travel product. That limit applies to medical costs abroad under the policy terms. Travellers should check how the limit fits destination healthcare costs and planned activities.
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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