Updated September 29, 2026 · AssureCue Editorial Team
ERGO vs Hiscox
Where ERGO and Hiscox differ
| Compare | ERGO ReviewSee alternativesSee alternatives |  Hiscox |
|---|---|---|
| Premium from | CZK 44 | £7.20 |
| Insurance types | Travel | Auto |
| Monthly payments | No | YesHas it |
| Excess from | €150 | £250 |
| Cover limit | 100 million CZK medical expenses | General liability: $300,000 to $2,000,000 limits |
| Claims channels | Online, Phone, Email, ChatCovers more | Online, Phone |
| Age range | 18-69 | Not confirmed |
Same on both: Provider type (Insurer).
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Key differences
- Founded is lower at Hiscox: 1901 vs 1907.
- Monthly payments: only Hiscox.
- Insurance types: only ERGO offers Travel.
- Insurance types: only Hiscox offers Auto.
- Claims channels: only ERGO offers Email, Chat.
- Support channels: only ERGO offers Email, Chat.
- Support channels: only Hiscox 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
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 | ERGO | Hiscox |
|---|---|---|
| Cost | 8.9Entry travel premiums start at CZK 44, which frames upfront cost. | 9.0HigherA premium of £7.20 paired with an excess from £250 lifts what a small claim costs you. |
| Offer | 9.0Travel focus shown by travel with medical cover of 100 million CZK medical expenses. | 9.4HigherLines listed in public liability, professional indemnity and employers liability, monthly payments on the monthly model, and claims through online and phone. |
| Trust | 9.7HigherLong operating history since 1907 as insurer supports trust. | 9.6 |
Licences and countries
| Country | ERGO | Hiscox |
|---|---|---|
| Czechia | Not confirmed | |
| United Kingdom | Not confirmed |
Additional countries for ERGO: 1. Additional countries for Hiscox: 1.
Positions in our rankings
| Ranking | ERGO | Hiscox |
|---|---|---|
| Business insurance | 62 of 147 | 57 of 147 |
| Professional indemnity and liability insurance | 22 of 39 | 20 of 39 |
| Public liability insurance | 26 of 52 | 23 of 52 |
Every fact side by side
| Fact | ERGO | Hiscox |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Legal entity | ERGO Cestovní Pojišťovna, a. s. | Hiscox Insurance Company Limited |
| Headquarters | Czechia | Bermuda |
| Founded | 1907 | 1901Lower |
| Support channels | Email, Phone, Chat | Phone, Help centre |
Business insurance
| Fact | ERGO | Hiscox |
|---|---|---|
| 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 | consultants, contractors, IT, freelancers, self-employed, tradesmen |
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
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
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
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 | ERGO | Hiscox |
|---|---|---|
| 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
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.