Updated September 29, 2026 · SumCue Editorial Team
Confused.com vs hepster
Confused.com
Higher score in this comparison
hepster
What sets them apart
| Compare | Confused.comReviewSee alternativesSee alternatives | hepsterReviewSee alternativesSee alternatives |
|---|---|---|
| Premium from | £7.15 | €2.45 |
| Insurance types | Auto, Home, Renters, Life, Health, Travel, Pet, Motorcycle, Van, Breakdown, Landlord, Critical illness, Income protection, Gadget, Home emergencyCovers more | Gadget, Pet, Travel |
| Provider type | Comparison site | Broker |
| Cover limit | Up to £4,000 pet vet treatment cover | Not confirmed |
| Claims channels | Not confirmed | Online customer account |
| Age range | 17-70+ | Not confirmed |
Same on both: Monthly payments (Yes).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Confused.com scores higher overall: 9.1 vs 8.8.
- Founded is lower at Confused.com: 2002 vs 2016.
- Confused.com is available in 1 more country.
- Insurance types: only Confused.com offers Auto, Home, Renters.
- Support channels: only Confused.com offers Chat, Community.
- Support channels: only hepster offers Phone.
Our verdict on each
Confused.com
Confused.com suits UK households who want to weigh personal insurance quotes side by side rather than commit to one insurer. It is a comparison site, licensed by the Financial Conduct Authority, and car cover starts at £7.15 on the pet range. Value rests on the breadth of the market, not on the cheapest single quote.
hepster
hepster keeps the price low: a broker for gadget, pet and travel cover, with a gadget premium of €2.45 a month. It suits German households that want those cover types paid monthly rather than yearly, and are happy to have the policy placed rather than written for them.
Score breakdown
| Area | Confused.com | hepster |
|---|---|---|
| Cost | 9.1Pet cover starts at a premium of £7.15, against a ranked median of €9 and a general market median of €8.31. | 9.4HigherGadget cover at a premium of €2.45 a month sits well below the site median of €8.31. |
| Offer | 9.9Higher | 8.7 |
| Trust | 8.6Higher | 8.5 |
How they place
| Ranking | Confused.com | hepster |
|---|---|---|
| Insurance | 222 of 627 | 382 of 627 |
| Travel insurance | 117 of 278 | 198 of 278 |
| Pet insurance | 51 of 157 | 107 of 157 |
Every fact side by side
| Fact | Confused.com | hepster |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | Inspop.com Limited | MOINsure GmbH |
| Headquarters | United Kingdom | Germany |
| Founded | 2002Lower | 2016 |
| Support channels | Email, Chat, Help centre, Community | Email, Phone, Help centre |
Pros and cons
Confused.com
Pros
- Premiums start at £7.15 for pet cover, and car quotes run on a monthly payment model
- Compares auto, home and renters, from auto and home through to pet, life, health and travel
- Licensed by the Financial Conduct Authority under licence 916665
Cons
- A comparison site, so the price you see depends on the insurer it selects rather than a single set rate
- Support runs on email, chat and help centre only, with no phone line listed
hepster
Pros
- Support runs on email, phone and help centre, so phone, email and the help centre are all there when a claim starts.
- Policies are set up as monthly billing, so a booked trip or a new gadget can be covered without a long tie-in.
- Gadget, pet and travel cover all sit under the same broker, so gadget, pet and travel can be arranged together.
Cons
- Cover stops at those types: gadget, pet and travel means no car, home or health policies here.
- A phone call is not among its claims channels, which run through online customer account.
- The headline premium of €2.45 applies to gadget only, so pet and travel cover can price higher.
Who each suits
Confused.com
Who it suits
- UK households insuring a car, and drivers covered by the 17-70+ range
- Pet owners looking at cover of Up to £4,000 pet vet treatment cover
- People who want several insurance types checked in one place rather than one at a time
Who should look elsewhere
- Anyone who wants a single insurer's policy terms fixed up front
- bunq and bunq Spain, which run everyday current accounts rather than personal insurance quotes
- Linxea, whose saving life cover serves a different purpose
hepster
Who it suits
- German households whose cover needs are limited to gadgets, pets and travel.
- People who want a policy billed a month at a time rather than yearly.
- Anyone comfortable with a broker placing the cover: the contract sits with MOINsure GmbH.
Who should look elsewhere
- Anyone who wants money held in an account rather than insured wants bunq, listed here at €0.
- For a Spanish account, bunq Spain shows a listed premium of €0 rather than personal cover.
- Long term life cover sits with Linxea, whose listed premium is €25.
Current offers
Confused.com
Current offer
Bonus
Get £20 to spend with 100+ brands plus year-round hot drinks: £20 eGift card
Single annual policy. Qualifying products. App only. Maximum claim limit. One regular hot drink per month for a year, only available via the Confused.com app. T&Cs apply.
Source, checked September 26, 2026
Bonus
Get a total of £47 in rewards when you buy car insurance: £47 (£20 to spend plus 12 Greggs hot drinks)
Single annual policy. App required to claim reward. 12 free Greggs regular hot drinks, based on average £2.25 per drink.
Source, checked September 26, 2026
Bonus
Beat your renewal guarantee: Difference in price plus £20
Buy a like-for-like car, home or van insurance policy through Confused.com and we are not cheaper than your renewal price
Source, checked September 26, 2026
Country by country
| Country | Confused.com | hepster |
|---|---|---|
| Austria | No | Yes |
| France | No | Yes |
| Germany | No | Yes |
| Guernsey | Yes | No |
| Isle of Man | Yes | No |
| Jersey | Yes | No |
| United Kingdom | Yes | No |
Questions about each
Confused.com
What does Confused.com actually do?+
It is a comparison site, so you answer questions once and see quotes from insurers rather than buying a policy direct. The legal entity is Inspop.com Limited. Cover types on the table include auto, home and renters.
How much is the cheapest cover?+
Pet cover starts at a premium of £7.15. Against the wider pet market, where the median starting premium is €9, the floor sits low. Your own quote depends on your details.
hepster
How much does cover cost?+
A premium of €2.45 a month is the figure quoted for gadget cover, well under the site median of €8.31. Pet and travel cover is priced separately, so treat that as a starting point for gadgets rather than a price for everything.
Can I pay monthly rather than yearly?+
Yes, monthly payments are available, and monthly sets the policies up for a payment each month. That suits a single trip, a borrowed gadget or a pet cover you only want for a while, without an annual figure to weigh up first.
Other options to compare
Other matchups
Confused.com
hepster