Updated September 28, 2026 · SumCue Editorial Team
Bayzat vs Hiscox
Bayzat
Hiscox
Higher score in this comparison
Bayzat vs Hiscox: the differences
| Compare | BayzatReviewSee alternativesSee alternatives | HiscoxReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Auto, Health, LifeCovers more | Auto |
| Provider type | Broker | Insurer |
| Claims channels | Mobile app, Account manager | Online, Phone |
| Premium from | Not confirmed | $30 |
| Monthly payments | Not confirmed | Yes |
| Excess from | Not confirmed | $0 |
| Cover limit | Not confirmed | General liability: $300,000 to $2,000,000 limits |
| Age range | 18+ | Not confirmed |
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Key differences
- Hiscox scores higher overall: 9.1 vs 8.8.
- Founded is lower at Hiscox: 1901 vs 2012.
- Insurance types: only Bayzat offers Health, Life.
- Claims channels: only Bayzat offers Mobile app, Account manager.
- Claims channels: only Hiscox offers Online, Phone.
- Support channels: only Bayzat offers Chat, Email.
Our verdict on each
Bayzat
Bayzat suits people in the UAE who want auto, health and life cover arranged through one broker rather than one insurer. It has operated since 2012 and support runs on chat, email and phone. Premiums are quoted per policy, so costs depend on the cover you pick.
Hiscox
Hiscox is an insurer for small businesses rather than a bank, so it suits owners who want general liability cover starting at $30 with an excess from $0 and can pay monthly. Households shopping for everyday savings or current accounts will find the offer narrow.
Score breakdown
| Area | Bayzat | Hiscox |
|---|---|---|
| Cost | Not confirmed | 9.1Premium from $30 with an excess starting at $0, monthly payments available |
| Offer | 9.0Higher | 8.4 |
| Trust | 8.6 | 9.6Higher |
How they place
| Ranking | Bayzat | Hiscox |
|---|---|---|
| Insurance | 374 of 627 | 229 of 627 |
| Car insurance | 188 of 279 | 115 of 279 |
Every fact side by side
| Fact | Bayzat | Hiscox |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Legal entity | Not confirmed | Hiscox Insurance Company Inc. |
| Headquarters | United Arab Emirates | Bermuda |
| Founded | 2012 | 1901Lower |
| Support channels | Chat, Email, Phone, Help centreCovers more | Phone, Help centre |
Where each stands against the rest
| Fact | Bayzat | Hiscox | Median |
|---|---|---|---|
| Premium from | Not confirmed | $30above the median | $11 |
| Excess from | Not confirmed | $0below the median | $100 |
Median across 53 listed providers.
Pros and cons
Bayzat
Pros
- Covers auto, health and life so several policy types sit with one broker
- Support runs on chat, email and phone for questions outside a claim
- Health claims go through mobile app and account manager, including a named account manager
Cons
- Cover spans auto, health and life, so a home or travel policy has to be placed elsewhere
- Policy age eligibility starts at 18+, which rules out younger drivers
- Claims run on mobile app and account manager for health, so other policy types rely on chat, email and phone
Hiscox
Pros
- General liability cover priced from $30, with limits of General liability: $300,000 to $2,000,000 limits
- Excess starts at $0 on the general liability policy
- Monthly payments are available, so cover does not need to be paid in one go
Cons
- Cover is limited to the auto type listed under auto, so home, travel and life cover sit outside the range shown here
- Support runs on phone and help centre, with live chat and email not among the listed routes
- Hiscox Insurance Company Inc. is headquartered in Bermuda under BM, and the UK Financial Services Authorisation covers the United Kingdom market rather than the domiciled entity
Who each suits
Bayzat
Who it suits
- Drivers in the UAE who also want health and life cover in the same place
- People who would rather have a broker shop around than deal with one insurer
- Anyone comfortable managing their policies through the mobile app
Who should look elsewhere
- People wanting home, travel or gadget insurance, which the listed types do not include
- Drivers below the eligible age for these policies
- Shoppers who want a published premium figure before they apply
Hiscox
Who it suits
- Small business owners who need general liability cover and can pay monthly
- Traders and contractors carrying client-facing risks
- Anyone comfortable holding a policy with an insurer domiciled outside the UK
Who should look elsewhere
- Households comparing savings, current accounts and cards, where bunq is a better fit
- Shoppers wanting auto cover alongside home or life policies
- Buyers who want a UK regulated provider rather than an overseas insurer
Current offers
Hiscox
Current offer
Discount code
Bundle and save on general liability insurance: up to 5% discount
Bundle general liability insurance with other coverage such as professional liability or cyber security insurance
Source, checked September 26, 2026
Bonus
Chase Business Complete Checking partner offer: up to $500
new Chase business checking customers with qualifying activities
Source, checked September 26, 2026
Country by country
| Country | Bayzat | Hiscox |
|---|---|---|
| United Arab Emirates | Yes | No |
Questions about each
Bayzat
What kinds of insurance does Bayzat arrange?+
Bayzat lists auto, health and life as its cover. That mix is worth weighing against alternatives: one of the options here lists health, life and gadget instead, and another covers auto, home and travel. Home, travel and gadget lines sit outside what Bayzat sells.
Is Bayzat an insurer or a broker?+
As a broker, Bayzat places policies with insurers rather than carrying the risk itself, so prices can differ between providers for the same type of cover. That is why it is worth asking what a quote includes. Brokers bring options rather than setting a single rate.
Hiscox
How much does Hiscox cover cost?+
General liability cover starts at a premium of $30, with cover limits set at General liability: $300,000 to $2,000,000 limits. The excess begins at $0, so there is no compulsory excess to fund on that policy. Prices are quoted per policy rather than as a flat monthly fee.
Can I pay the premium monthly?+
Yes. Monthly payments are offered, which spreads the cost across the policy year instead of one lump sum. That suits small businesses with uneven cash flow, and it is the norm on the market, where most insurers listed allow monthly payments.
Other options to compare
Bayzat
Hiscox