Updated September 30, 2026 · AssureCue Editorial Team
Hiscox UK vs YouSet
Where Hiscox UK and YouSet differ
| Compare |  Hiscox UK |  YouSet |
|---|---|---|
| Premium from | £5.20 | CA$5 |
| Insurance types | Home, Renters, Landlord, Auto, Home emergency | Auto, Home, Renters, Motorcycle |
| Provider type | Insurer | Broker |
| Claims channels | Phone, Online, PostCovers more | Phone |
| Cover limit | GBP 100,000 | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- Hiscox UK scores higher overall: 9.5 vs 8.9.
- Insurance types: only Hiscox UK offers Landlord, Home emergency.
- Insurance types: only YouSet offers Motorcycle.
- Claims channels: only Hiscox UK offers Online, Post.
- Support channels: only YouSet 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.
YouSet
YouSet suits renters, homeowners, drivers and riders in Canada seeking side by side broker quotes with monthly payments available alongside premiums that start at CAD 5. Claims run by phone through phone while support spans email, chat and phone for policy help and service enquiries across cover types.
Score breakdown
| Area | Hiscox UK | YouSet |
|---|---|---|
| Cost | 9.5HigherPremium from £5.20 ranks 2 of 14 and sits under the site median of €8.37. | 9.3Premiums start at CAD 5 with monthly payments available for budgeting flexibility. |
| Offer | 9.4HigherIndemnity limit of £10,000,000 ranks 1 of 11, above the median of €3,486,547.74. | 9.0Cover spans auto, home and renters across auto, home, renters and motorcycle needs. |
| Trust | 9.7Higher | 8.5Broker model disclosed as broker with support across email, chat and phone. |
How they place
| Ranking | Hiscox UK | YouSet |
|---|---|---|
| Car insurance | 57 of 393 | 24 of 393 |
| Home insurance | 40 of 272 | 22 of 272 |
| Renters and contents insurance | 14 of 78 | 7 of 78 |
Availability and regulation
| Country | Hiscox UK | YouSet |
|---|---|---|
| Canada | Not confirmed |
Additional countries for Hiscox UK: 1. Additional countries for YouSet: 1.
Feature by feature
| Insurance types | Hiscox UK | YouSet |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | Yes | Yes |
| Motorcycle | No | Yes |
| Landlord | Yes | No |
| Home emergency | Yes | No |
Every fact side by side
| Fact | Hiscox UK | YouSet |
|---|---|---|
| Legal entity | Hiscox Underwriting Ltd | YouSet Insurance |
| Headquarters | United Kingdom | Canada |
| Founded | Not confirmed | 2017 |
| Support channels | Phone, Help centre | Email, Chat, Phone, 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.
YouSet
Pros
- Premiums that start at CAD 5 give a clear entry signal for budget comparison.
- Cover spans auto, home and renters, useful versus LV= which covers auto, home and pet.
- Monthly payments are available, helping spread costs across the term.
Cons
- Claims run on phone only, so written or chat claims routes are absent for phone users.
- Broker cover means policies sit with partner insurers rather than YouSet as broker, unlike insurer alternatives such as LV=.
- Entry premiums that start at CAD 5 will vary by profile, and die Bayerische lists €2.09 for strict price comparison.
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
YouSet
Who it suits
- Canadian drivers and riders bundling motor risks who might otherwise consider LV= which covers auto, home and pet.
- Renters and homeowners comparing property quotes together, unlike die Bayerische at €2.09.
- Budget planners using monthly payments available while watching entry at CAD 5.
Who should look elsewhere
- Drivers needing broader life and travel cover may prefer Allianz Malaysia because it covers auto, motorcycle and home.
- Pet owners may prefer LV= because it covers auto, home and pet including pet cover.
- Shoppers chasing the lowest headline entry signal may compare die Bayerische at €2.09 against CAD 5.
Country by country
| Country | Hiscox UK | YouSet |
|---|---|---|
| Canada | 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.
YouSet
What does YouSet cover cost at entry level?+
Premiums start at CAD 5 according to the advertised entry signal, although the amount you pay depends on vehicle, property, location and claims history. Monthly payments are available, which helps spread the annual cost rather than paying the full term in advance.
Is YouSet an insurer or a broker?+
YouSet arranges cover as broker, which means it compares options and arranges policies that are then held with partner insurers. Your money for the actual risk cover goes to the insurer shown on your policy documents, while YouSet handles shopping and service support.
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