Updated September 28, 2026 · AssureCue Editorial Team
Hiscox UK vs Nationwide
Hiscox UK vs Nationwide: the differences
| Compare |  Hiscox UK | Nationwide ReviewVisitVisit |
|---|---|---|
| Premium from | £5.20 | $35 |
| Insurance types | Home, Renters, Landlord, Auto, Home emergency | Auto, Home, Renters, Life, Motorcycle, Pet |
| Cover limit | GBP 100,000 | USD 50,000 per bike (custom motorcycle insurance) |
| Claims channels | Phone, Online, PostCovers more | Phone |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Hiscox UK scores higher overall: 9.5 vs 9.1.
- Insurance types: only Hiscox UK offers Landlord, Home emergency.
- Insurance types: only Nationwide offers Life, Motorcycle, Pet.
- Claims channels: only Hiscox UK offers Online, Post.
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.
Nationwide
Nationwide suits people in the US who want several policies from a single insurer, covering auto, home, renters, life, motorcycle and pet with monthly payments available. Its listed starting premium is $35, a general entry point rather than a quote for a single policy.
Score breakdown
| Area | Hiscox UK | Nationwide |
|---|---|---|
| Cost | 9.5HigherPremium from £5.20 ranks 2 of 14 and sits under the site median of €8.37. | 8.8 |
| Offer | 9.4HigherIndemnity limit of £10,000,000 ranks 1 of 11, above the median of €3,486,547.74. | 8.7 |
| Trust | 9.7Higher | 9.6 |
Availability and regulation
Additional countries for Hiscox UK: 1. Additional countries for Nationwide: 1.
Side by side, item by item
| Insurance types | Hiscox UK | Nationwide |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | Yes | Yes |
| Life | No | Yes |
| Pet | No | Yes |
| Motorcycle | No | Yes |
| Landlord | Yes | No |
| Home emergency | Yes | No |
How they place
| Ranking | Hiscox UK | Nationwide |
|---|---|---|
| Car insurance | 60 of 394 | 19 of 394 |
| Home insurance | 43 of 273 | 19 of 273 |
| Renters and contents insurance | 15 of 78 | 5 of 78 |
Every fact side by side
| Fact | Hiscox UK | Nationwide |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Legal entity | Hiscox Underwriting Ltd | Nationwide Mutual Insurance Company |
| Headquarters | United Kingdom | United States |
| Founded | Not confirmed | 1925 |
| Support channels | Phone, Help centre | Phone, Help centre |
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.
Nationwide
Pros
- Personal lines span auto, home, renters, life, motorcycle and pet (auto, home and renters).
- Monthly payments available, with monthly as the listed model.
- An insurer rather than a broker, trading as Nationwide Mutual Insurance Company.
Cons
- Starting premium of $35 sits above the site median of €8.37.
- Support runs on phone and help centre only, with no listed chat or email.
- Health and travel are not among its insurance types (auto, home and renters).
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
Nationwide
Who it suits
- US households wanting auto, home, renters, life, motorcycle or pet from a single provider.
- Readers who prefer spreading premiums across the year.
- Bike owners who want claims handled by phone (phone).
Who should look elsewhere
- bunq suits readers after banking rather than personal insurance.
- EuroAsia Insurance serves a different market, starting at UZS 60,000.
- Good Sam Insurance Agency fits readers wanting health and travel types.
Country by country
| Country | Hiscox UK | Nationwide |
|---|---|---|
| United Kingdom | Yes | No |
| United States | No | 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.
Nationwide
What kind of company is Nationwide?+
Nationwide is an insurer (insurer) rather than a broker, trading as Nationwide Mutual Insurance Company. Its headquarters sit in US and it was founded in 1925. Policies are underwritten by the company itself, so the contract and the claims both sit with the same firm.
How much does Nationwide cost?+
Premiums start at $35 across the personal lines it sells. That figure is a starting point rather than a quote, and the site median for the same measure is €8.37, so this opening price reads as high on the page.
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