Updated September 28, 2026 · AssureCue Editorial Team
Hiscox UK vs kautel Mietkaution
What sets them apart
| Compare |  Hiscox UK | kautel Mietkaution ReviewVisitVisit |
|---|---|---|
| Provider type | Insurer | Broker |
| Cover types | Public liability, Professional indemnity, Employers liability, Cyber | Not confirmed |
| Indemnity limit | £10,000,000 | Not confirmed |
| Premium from | £5.20 | Not confirmed |
| Industries | IT, consultancy, trades, retail, freelancers and sole traders | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- Hiscox UK scores higher overall: 9.5 vs 8.9.
- Support channels: only kautel Mietkaution offers Email.
Our verdict on each
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.
kautel Mietkaution
Kautel Mietkaution suits private tenants in Germany who would rather hold a deposit guarantee than hand over the rent deposit in cash. The private rent deposit guarantee runs to Up to EUR 15,000 for the private rent deposit guarantee, monthly payments are available, and the site is authorised as a broker under D-OJ67-SB118-38.
Score breakdown
| Area | Hiscox UK | kautel Mietkaution |
|---|---|---|
| Cost | 9.5HigherPremium from £5.20 ranks 2 of 14 and sits under the site median of €8.37. | 9.1 |
| Offer | 9.4HigherIndemnity limit of £10,000,000 ranks 1 of 11, above the median of €3,486,547.74. | 8.9 |
| Trust | 9.7Higher | 8.8 |
Positions in our rankings
| Ranking | Hiscox UK | kautel Mietkaution |
|---|---|---|
| Home insurance | 42 of 273 | 21 of 273 |
| Renters and contents insurance | 15 of 78 | 7 of 78 |
| Business insurance | 30 of 150 | 19 of 150 |
Where these facts come from
Hiscox UK
- hiscox.co.uk: 9 facts, checked September 26, 2026
kautel Mietkaution
- kautel.de: 5 facts, checked September 26, 2026
Every fact side by side
| Fact | Hiscox UK | kautel Mietkaution |
|---|---|---|
| Legal entity | Hiscox Underwriting Ltd | cresult GmbH (HRB 111977, Amtsgericht Köln) |
| Headquarters | United Kingdom | Germany |
| Support channels | Phone, Help centre | Email, Phone, Help centreCovers more |
Personal insurance
| Fact | Hiscox UK | kautel Mietkaution |
|---|---|---|
| Insurance types | Home, Renters, Landlord, Auto, Home emergencyCovers more | Renters, Home |
| Pricing model | Not confirmed | Monthly |
| Cover limit | GBP 100,000 | Up to EUR 15,000 for the private rent deposit guarantee |
| Claims channels | Phone, Online, Post | Online form, Email, Phone |
| Age range | Not confirmed | 18 years and over (applicant must be an adult) |
Where each stands against the rest
| Fact | Hiscox UK | kautel Mietkaution | Median |
|---|---|---|---|
| Indemnity limit | £10,000,000highest quarter | Not confirmed | £4,000,000 |
| Premium from | £5.20below the median | Not confirmed | £7.20 |
Median across 13 listed insurance providers.
Pros and cons
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.
kautel Mietkaution
Pros
- Deposit guarantee cover runs to Up to EUR 15,000 for the private rent deposit guarantee for private renters
- Monthly payments are available, which is the norm across the site at 100%
- Covers both renters and home policies under renters and home
Cons
- Kautel Mietkaution is a broker, broker, so the guarantee is placed with an insurer further down the line
- The cover ceiling is Up to EUR 15,000 for the private rent deposit guarantee for the private rent deposit guarantee, which caps larger deposits
- Support runs on email, phone and help centre only
Who each suits
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
kautel Mietkaution
Who it suits
- Private tenants in Germany who face a rent deposit they would rather not pay in cash
- Adults, as the applicant must be an adult under 18 years and over (applicant must be an adult)
- People who want a single monthly payment for a deposit guarantee
Who should look elsewhere
- Hiscox UK, which is aimed at a UK market rather than German private tenants
- Good Sam Insurance Agency, which lists auto, home and renters without a rent deposit guarantee
- Euroasia Insurance, whose listed lines of auto, home and travel do not include a rental deposit
Country by country
| Country | Hiscox UK | kautel Mietkaution |
|---|---|---|
| Germany | No | Yes |
| United Kingdom | Yes | No |
Questions about each
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.
kautel Mietkaution
Can I pay monthly instead of upfront?+
Yes. Monthly payments are available, and the site data shows monthly models account for 100% of what it lists, so this is a standard pattern rather than an exception. That spreads the cost of the guarantee across the tenancy.
Who regulates Kautel Mietkaution?+
It is authorised as an insurance broker in Germany by IHK Köln, with the registration listed as D-OJ67-SB118-38. As a broker it places the guarantee with an insurer rather than carrying the risk itself, and the head office is in Germany.
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