Updated September 28, 2026 · AssureCue Editorial Team
Hiscox UK vs MSIG Insurance (Thailand)
Where Hiscox UK and MSIG Insurance (Thailand) differ
| Compare |  Hiscox UK |  MSIG Insurance (Thailand) |
|---|---|---|
| Cover types | Public liability, Professional indemnity, Employers liability, Cyber | Public liability, Property |
| Premium from | £5.20 | THB 299 |
| Indemnity limit | £10,000,000 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
| Industries | IT, consultancy, trades, retail, freelancers and sole traders | Not confirmed |
Same on both: Provider type (Insurer).
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Key differences
- Hiscox UK scores higher overall: 9.5 vs 9.3.
- Cover types: only Hiscox UK offers Professional indemnity, Employers liability, Cyber.
- Cover types: only MSIG Insurance (Thailand) offers Property.
- Support channels: only MSIG Insurance (Thailand) 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.
MSIG Insurance (Thailand)
MSIG Insurance (Thailand) is an insurer selling auto, travel, home and health cover in Thailand, regulated by the Office of Insurance Commission. It suits households and small businesses that want one provider across personal and business lines, though premium starts at THB 299 and the cost score sits at 5.2.
Score breakdown
| Area | Hiscox UK | MSIG Insurance (Thailand) |
|---|---|---|
| Cost | 9.5HigherPremium from £5.20 ranks 2 of 14 and sits under the site median of €8.37. | 9.0 |
| Offer | 9.4HigherIndemnity limit of £10,000,000 ranks 1 of 11, above the median of €3,486,547.74. | 9.3 |
| Trust | 9.7Higher | 9.6 |
Feature by feature
| Cover types | Hiscox UK | MSIG Insurance (Thailand) |
|---|---|---|
| Public liability | Yes | Yes |
| Professional indemnity | Yes | No |
| Employers liability | Yes | No |
| Cyber | Yes | No |
| Property | No | Yes |
Positions in our rankings
| Ranking | Hiscox UK | MSIG Insurance (Thailand) |
|---|---|---|
| Car insurance | 57 of 393 | 11 of 393 |
| Home insurance | 40 of 272 | 10 of 272 |
| Business insurance | 30 of 150 | 12 of 150 |
| Public liability insurance | 10 of 51 | 5 of 51 |
Licences and countries
| Country | Hiscox UK | MSIG Insurance (Thailand) |
|---|---|---|
| Thailand | Not confirmed |
Additional countries for Hiscox UK: 1. Additional countries for MSIG Insurance (Thailand): 1.
What we checked
Hiscox UK
- hiscox.co.uk: 9 facts, checked September 26, 2026
MSIG Insurance (Thailand)
- msig-thai.com: 5 facts, checked September 26, 2026
- psmart.msig-thai.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Hiscox UK | MSIG Insurance (Thailand) |
|---|---|---|
| Legal entity | Hiscox Underwriting Ltd | MSIG Insurance (Thailand) Public Company Limited |
| Headquarters | United Kingdom | Thailand |
| Support channels | Phone, Help centre | Email, Phone, Chat, Help centreCovers more |
Personal insurance
| Fact | Hiscox UK | MSIG Insurance (Thailand) |
|---|---|---|
| Insurance types | Home, Renters, Landlord, Auto, Home emergency | Auto, Travel, Home, Health |
| Cover limit | GBP 100,000 | Up to THB 50,000 hospitalisation benefit (Seasonal Disease plan 'Hot Hit', PP02) |
| Claims channels | Phone, Online, Post | Phone, Online claims portal, Email |
Where each stands against the rest
| Fact | Hiscox UK | MSIG Insurance (Thailand) | Median |
|---|---|---|---|
| Indemnity limit | £10,000,000highest quarter | Not confirmed | £4,000,000 |
Median across 10 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.
MSIG Insurance (Thailand)
Pros
- One insurer across both sides: personal cover of auto, travel and home and business cover of public liability and property.
- Support runs on email, phone and chat, and claims come in through phone, online claims portal and email.
- Regulated in Thailand by the Office of Insurance Commission, so the policy is written with the named insurer.
Cons
- Personal cover runs to auto, travel and home, with no life, pet or motorcycle line listed.
- Support is limited to email, phone and chat, with no branch service listed.
- The single published entry price, THB 299, belongs to one seasonal disease plan, so quotes for other lines are not shown.
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
MSIG Insurance (Thailand)
Who it suits
- Thai households bundling auto, travel, home and health under one policy provider.
- Small businesses needing public liability or property cover next to personal policies.
- Shoppers who want a locally regulated insurer, since TH is the home market.
Who should look elsewhere
- Shoppers chasing a free entry point: bunq lists a premium from of €0.
- Anyone after life, pet or motorcycle cover: Good Sam Insurance Agency lists auto, home and renters.
- Readers comparing Euroasia Insurance's UZS 60,000 with MSIG's, since the two sit in different markets.
Current offers
MSIG Insurance (Thailand)
Current offer
Discount code
MSIG Motor insurance: enter promocode MPTT15 to get e-Voucher worth up to 700 THB: e-Voucher up to THB 700
Ends 31 January 2027
Source, checked September 26, 2026
Discount code
Home insurance: enter code Ban15 for 15% off plus Starbucks e-Coupon worth up to 600 THB: 15% off + e-Coupon up to THB 600
Ends 31 January 2027
Source, checked September 26, 2026
Bonus
Special promotion MSIG Trip Easy Plus domestic travel, enter code 18DM, 2 benefits: 2 benefits per policy
Ends 31 January 2027
Source, checked September 26, 2026
Discount code
MSIG Overseas Student travel insurance: enter promocode 18SAVE to get e-Coupon worth up to 1,400 THB: e-Coupon up to THB 1,400
Ends 31 December 2026
Source, checked September 26, 2026
Discount code
Enter promocode 15STB or 15PTT to get e-Coupon / e-Voucher worth up to 1,000 THB for MSIG Travel Easy Plus overseas travel (per trip and annual): e-Coupon / e-Voucher up to THB 1,000
Ends 31 October 2026
Source, checked September 26, 2026
Country by country
| Country | Hiscox UK | MSIG Insurance (Thailand) |
|---|---|---|
| Thailand | 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.
MSIG Insurance (Thailand)
What kinds of cover does MSIG Insurance (Thailand) sell?+
Personal cover runs to auto, travel and home, so auto, travel, home and health sit with the same insurer. Business cover runs to public liability and property, giving trading companies public liability and property policies without opening a second relationship.
Who regulates MSIG Insurance (Thailand)?+
MSIG Insurance (Thailand) Public Company Limited is an insurer headquartered in Thailand, and the Office of Insurance Commission regulates it there. Buying from a licensed insurer means the contract is with the company named on the policy rather than an intermediary.
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