Updated September 28, 2026 · AssureCue Editorial Team

Hiscox UK vs kautionsfrei.de

Hiscox UK scores 9.5 and kautionsfrei.de 9.0 out of 10. Compare their differences and shared features below.

Hiscox UK

9.5/10

Facts checked September 26, 2026.

kautionsfrei.de

9.0/10

Facts checked September 26, 2026.

What sets them apart

Hiscox UK vs kautionsfrei.de
Compare
Hiscox UKHiscox UK
ReviewSee alternativesSee alternatives
kautionsfrei.dekautionsfrei.de
ReviewVisitVisit
Premium from£5.20€4.17
Insurance typesHome, Renters, Landlord, Auto, Home emergencyCovers moreRenters
Provider typeInsurerBroker
Cover limitGBP 100,00050,000 EUR
Claims channelsPhone, Online, PostEmail, Fax, Post
Age rangeNot confirmed18+

Same on both: Monthly payments (Yes).

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Key differences

  • Hiscox UK scores higher overall: 9.5 vs 9.0.
  • Insurance types: only Hiscox UK offers Home, Landlord, Auto.
  • Claims channels: only Hiscox UK offers Phone, Online.
  • Claims channels: only kautionsfrei.de offers Email, Fax.
  • Support channels: only kautionsfrei.de offers Chat, 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.

Read the full Hiscox UK review

kautionsfrei.de

kautionsfrei.de is a German broker built around a single purpose: renters cover paid monthly, with premiums from €4.17 and a 50,000 EUR ceiling. It suits tenants who want contents protection on a small monthly bill, not landlords or anyone after buildings cover.

Read the full kautionsfrei.de review

Score breakdown

Hiscox UK vs kautionsfrei.de
AreaHiscox UKkautionsfrei.de
Cost9.5HigherPremium from £5.20 ranks 2 of 14 and sits under the site median of €8.37.9.2Entry price of €4.17 sits under the site median of €8.37, ranking 80 of 252.
Offer9.4HigherIndemnity limit of £10,000,000 ranks 1 of 11, above the median of €3,486,547.74.9.0
Trust9.7Higher8.7

Side by side, item by item

Hiscox UK vs kautionsfrei.de
Insurance typesHiscox UKkautionsfrei.de
AutoYesNo
HomeYesNo
RentersYesYes
LandlordYesNo
Home emergencyYesNo

Licences and countries

Hiscox UK vs kautionsfrei.de
CountryHiscox UKkautionsfrei.de
GermanyNot confirmed

Additional countries for Hiscox UK: 1. Additional countries for kautionsfrei.de: 1.

How they place

Hiscox UK vs kautionsfrei.de
RankingHiscox UKkautionsfrei.de
Home insurance43 of 27320 of 273
Renters and contents insurance15 of 786 of 78

Every fact side by side

Hiscox UK vs kautionsfrei.de
FactHiscox UKkautionsfrei.de
Pricing modelNot confirmedMonthly
Legal entityHiscox Underwriting LtdplusForta GmbH (Amtsgericht Dusseldorf, HRB B 60806)
HeadquartersUnited KingdomGermany
FoundedNot confirmed2009
Support channelsPhone, Help centrePhone, Chat, Email, Help centreCovers more

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.

kautionsfrei.de

Pros

  • Renters cover sold on its own, priced from €4.17 with monthly payments available.
  • Help comes through phone, chat and email, so questions can go to phone, chat, email or the help centre.
  • A stated ceiling of 50,000 EUR makes the payout limit easy to check against a tenant's own inventory.

Cons

  • Claims are handled by email, fax and post only, so a claim starts on a written route rather than by phone.
  • The line sold is renters only, per renters, so home or landlord cover is not part of the range.
  • Plans run on a monthly model only, per monthly, so there is no single annual payment.

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

kautionsfrei.de

Who it suits

  • Tenants renting in Germany who want cover for their belongings without a buildings policy.
  • Readers who track spending month by month and prefer small monthly premiums.
  • Adults, since the age range starts at 18+.

Who should look elsewhere

  • Anyone insuring a building rather than its contents: Hiscox UK lists landlord and home cover alongside renters, per home, renters and landlord.
  • Readers who want one provider for the whole household: Good Sam Insurance Agency sells home, renters, life, health, travel and more, per auto, home and renters.

Current offers

kautionsfrei.de

Current offer

  • Bonus

    Up to 5 months free private liability insurance via getsafe: Up to 5 months free Haftpflichtversicherung at getsafe, then from 2,94 EUR per month

    Voucher issued to new customers after signing the Buergschaft; insurance concluded online, terminable daily

    Source, checked September 26, 2026

  • Bonus

    Free initial phone consultation with a kautionsfrei.de lawyer: 1 free first phone consultation on a tenancy issue

    Voucher after conclusion of the Buergschaft, redeemable within 2 months, for questions on the old or new tenancy contract

    Source, checked September 26, 2026

Country by country

Hiscox UK vs kautionsfrei.de
CountryHiscox UKkautionsfrei.de
GermanyNoYes
United KingdomYesNo

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.

kautionsfrei.de

What does kautionsfrei.de cost to start?+

Renters cover starts at €4.17 a month, while the site median for a starting premium is €8.37. The entry figure therefore sits below the typical starting point, and the cost score recorded for this brand is 6.7.

Can I pay monthly instead of setting aside a full year of premium?+

Monthly is the only model on offer, per monthly, and monthly payments are available. That suits readers who track spending month by month rather than paying a single larger amount for a full year.

Other options to compare

Hiscox UK

Hiscox UK

Higher score in this comparison

9.5/10See alternatives

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