Updated September 28, 2026 · AssureCue Editorial Team
Hiscox UK vs Lemonade
Where Hiscox UK and Lemonade differ
| Compare |  Hiscox UK |  Lemonade |
|---|---|---|
| Premium from | £5.20 | $5 |
| Insurance types | Home, Renters, Landlord, Auto, Home emergency | Auto, Home, Renters, Life, Pet |
| Cover limit | GBP 100,000 | Up to $100,000,000 |
| Claims channels | Phone, Online, Post | App, Phone, Email |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Hiscox UK scores higher overall: 9.5 vs 9.2.
- Lemonade is available in 4 more countries.
- Insurance types: only Hiscox UK offers Landlord, Home emergency.
- Insurance types: only Lemonade offers Life, Pet.
- Claims channels: only Hiscox UK offers Online, Post.
- Claims channels: only Lemonade offers App, Email.
- Support channels: only Lemonade offers Email, Chat.
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.
Lemonade
Lemonade suits US households wanting several policies in the same app, with premiums starting at $5 a month. Its range is narrow: auto, home and renters covers personal lines only, so anyone needing health or travel cover goes to a broader provider.
Score breakdown
| Area | Hiscox UK | Lemonade |
|---|---|---|
| Cost | 9.5HigherPremium from £5.20 ranks 2 of 14 and sits under the site median of €8.37. | 9.2Premiums start at $5 on monthly payments, below the site median of €8.37. |
| Offer | 9.4Indemnity limit of £10,000,000 ranks 1 of 11, above the median of €3,486,547.74. | 9.4 |
| Trust | 9.7Higher | 8.9 |
Feature by feature
| Insurance types | Hiscox UK | Lemonade |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | Yes | Yes |
| Life | No | Yes |
| Pet | No | Yes |
| Landlord | Yes | No |
| Home emergency | Yes | No |
Where each is licensed and available
Available in 1 country for both. Additional countries for Lemonade: 4.
Where they rank in our lists
| Ranking | Hiscox UK | Lemonade |
|---|---|---|
| Car insurance | 60 of 394 | 14 of 394 |
| Home insurance | 43 of 273 | 15 of 273 |
| Renters and contents insurance | 15 of 78 | 4 of 78 |
Every fact side by side
| Fact | Hiscox UK | Lemonade |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Legal entity | Hiscox Underwriting Ltd | Lemonade Insurance Company |
| Headquarters | United Kingdom | United States |
| Founded | Not confirmed | 2015 |
| Support channels | Phone, Help centre | Phone, Email, Chat, 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.
Lemonade
Pros
- Premiums start at $5 a month, so the first policy is a small commitment
- auto, home and renters policies sit under the same insurer, keeping a household on a single account
- Monthly payments are available, and the pricing model is monthly
Cons
- Health, travel and motorcycle are not among auto, home and renters, so those lines need another provider
- Billing follows monthly alone, so annual cover is not among the payment options
- Life cover tops out at Up to $100,000,000, and the range sits in a single US market
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
Lemonade
Who it suits
- US renters and homeowners who want several policies in the same app
- Pet owners adding an animal policy to an existing monthly account
- People who want a low entry price rather than a long policy list
Who should look elsewhere
- Readers who want health, travel or motorcycle, since those are not among auto, home and renters while Good Sam Insurance Agency lists them in auto, home and renters
- Readers who want a local market rather than the US, where Euroasia Insurance quotes from UZS 60,000
- Readers who rank the entry price above everything else, since bunq is listed at €0 and Lemonade at $5
Current offers
Lemonade
Current offer
Bonus
Rover gift card for new Lemonade Pet policyholders: Rover gift card
New Lemonade pet parents only; code unlocks 2 months after the pet policy starts; one code per account; available in select states; codes expire one year from issue
Source, checked September 26, 2026
First period offer
Pet bundle discount: 10%
Bundle pet insurance with other Lemonade policies (renters, homeowners, car); applies to the base accident and illness policy and vet visit fee and physical therapy add-ons
Source, checked September 26, 2026
First period offer
Pet multi-pet discount: 10%
Policy for more than one cat or dog in the same household
Source, checked September 26, 2026
First period offer
Pet annual payment discount: 5%
Pay for the pet policy annually instead of monthly
Source, checked September 26, 2026
Country by country
| Country | Hiscox UK | Lemonade |
|---|---|---|
| France | No | Yes |
| Germany | No | Yes |
| Netherlands | No | Yes |
| United States | No | Yes |
| United Kingdom | Yes | Yes |
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.
Lemonade
How much does Lemonade cost to start?+
Cover starts at $5, which sits below the site median of €8.37 and under the upper quartile of €29.72. Lemonade bills monthly, so the entry figure is what a first policy costs each month rather than an annual sum paid up front.
Which kinds of insurance does Lemonade sell?+
Lemonade lists auto, home and renters as its range, covering the household rather than business risks. Health, travel and motorcycle lines are not in that list, so anyone needing them has to look at a wider provider such as Good Sam Insurance Agency.
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