Updated September 28, 2026 · AssureCue Editorial Team
Groupama MRH vs Hiscox UK
What sets them apart
| Compare |  Groupama MRH |  Hiscox UK |
|---|---|---|
| Premium from | €12.90 | £5.20 |
| Insurance types | Auto, Home, Landlord, Life, Health, Dental, Pet, Motorcycle, Gadget, Home emergency, Travel | Home, Renters, Landlord, Auto, Home emergency |
| Cover limit | Contents (capital mobilier) from EUR 10,627 on Protection Indispensable to EUR 60,402 on Protection Premium, which can also insure furniture with unlimited value | GBP 100,000 |
| Claims channels | Online, Mobile app, Phone, Agency | Phone, Online, Post |
| Excess from | €174 to €354 | Not confirmed |
| Age range | Reduced student tariff for tenants under 26 (2 rooms maximum) | 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 9.3.
- Insurance types: only Groupama MRH offers Life, Health, Dental.
- Insurance types: only Hiscox UK offers Renters.
- Claims channels: only Groupama MRH offers Mobile app, Agency.
- Claims channels: only Hiscox UK offers Post.
- Support channels: only Groupama MRH offers Chat.
Our verdict on each
Groupama MRH
Groupama MRH is a French insurer founded in 1900, with a personal book spanning motor, home, health and pet cover, and it suits households who want every policy with a single provider. Older customers in particular are the listed audience, while the catch is what a claim leaves you paying.
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 | Groupama MRH | Hiscox UK |
|---|---|---|
| Cost | 8.8Claim excess runs €174 to €354, and the starting premium sits above the site median of €8.37. | 9.5HigherPremium from £5.20 ranks 2 of 14 and sits under the site median of €8.37. |
| Offer | 9.6Higher | 9.4Indemnity limit of £10,000,000 ranks 1 of 11, above the median of €3,486,547.74. |
| Trust | 9.7 | 9.7 |
Where they rank in our lists
| Ranking | Groupama MRH | Hiscox UK |
|---|---|---|
| Car insurance | 88 of 393 | 57 of 393 |
| Home insurance | 70 of 272 | 40 of 272 |
| Landlord insurance | 14 of 55 | 7 of 55 |
What we checked
Groupama MRH
- groupama.fr: 12 facts, checked September 26, 2026
- fr.wikipedia.org: 2 facts, checked September 26, 2026
Hiscox UK
- hiscox.co.uk: 9 facts, checked September 26, 2026
Every fact side by side
| Fact | Groupama MRH | Hiscox UK |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Monthly | Not confirmed |
| Legal entity | Assurances Mutuelles Agricoles Groupama | Hiscox Underwriting Ltd |
| Headquarters | France | United Kingdom |
| Founded | 1900 | Not confirmed |
| Support channels | Phone, Chat, Help centreCovers more | Phone, Help centre |
Where each stands against the rest
| Fact | Groupama MRH | Hiscox UK | Median |
|---|---|---|---|
| Excess from | €174 to €354above the median | Not confirmed | €70 |
Median across 68 listed insurance providers.
Pros and cons
Groupama MRH
Pros
- Auto, home, landlord, life, health, dental, pet, motorcycle, gadget, home emergency and travel are all on the book (auto, home and landlord), so policies can sit with the same insurer.
- Claims can be opened online, in the mobile app, by phone or in an agency (online, mobile app and phone), so help is not tied to a single channel.
- Monthly payments are available, so the premium is collected as a regular payment rather than a single sum.
Cons
- The excess on a home claim runs €174 to €354, so a small loss can cost you money.
- Support runs on phone, chat and help centre only, with no email route listed.
- Contents cover is capped on the entry home tier, and unlimited furniture value comes with the top tier alone.
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
Groupama MRH
Who it suits
- Households that want home, motor, health and pet cover with a single French provider.
- Older policyholders, the audience the brand is listed for.
- Tenants who are students and can use the reduced home tariff.
Who should look elsewhere
- Price-first readers, since bunq shows a premium from €0 while Groupama MRH starts at €12.90.
- Shoppers who want a leaner book, since Good Sam Insurance Agency covers auto, home and renters and leaves landlord, dental and gadget cover to others.
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
Groupama MRH
Current offer
Bonus
EUR 50 off the first year of a Groupama Habitation policy: EUR 50
Subscribe in 2026 to two new contracts, minimum annual premium EUR 100 incl. tax; 1 January to 31 December 2026; page header shows the offer running until 30 October 2026; not combinable, see conditions in agency
Source, checked September 26, 2026
Bonus
Up to EUR 250 off on Groupama Sante Active, Groupama Sante Active Senior or Groupama Sante: EUR 200 (page banner: up to EUR 250)
Contract of at least 1 year, minimum annual premium EUR 200 incl. tax, plus a second contract in the same period; 7 September to 17 October 2026; not combinable with other advantages
Source, checked September 26, 2026
First period offer
One month free on the first year of a Groupama chien-chat policy: 1 month of premium
New subscription of a Groupama assurance chien-chat, offer valid 1 January to 31 December 2026
Source, checked September 26, 2026
Country by country
| Country | Groupama MRH | Hiscox UK |
|---|---|---|
| France | Yes | No |
| United Kingdom | No | Yes |
Questions about each
Groupama MRH
How much does cover start at?+
Home cover starts at a premium from €12.90, and monthly payments are available so the cost is spread out. That entry figure sits above the site median of €8.37, and the excess on a claim runs €174 to €354, so small claims can end up costing you.
Who regulates Groupama MRH?+
It is an insurer (insurer) registered in France, supervised by ACPR, the Autorite de controle des assurances et des caisses d'epargne. Because the company carries the risk itself, a claim is paid by the insurer named on the policy rather than being passed to another provider.
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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