Updated September 29, 2026 · SumCue Editorial Team
Europ Assistance vs Hiscox
Europ Assistance
Higher score in this comparison
Hiscox
Europ Assistance vs Hiscox: the differences
| Compare | Europ AssistanceReviewSee alternativesSee alternatives | HiscoxReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Travel, Auto, Home, Health, Home emergency, Breakdown, DentalCovers more | Auto |
| Claims channels | Phone | Online, PhoneCovers more |
| 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 |
Same on both: Provider type (Insurer).
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Key differences
- Europ Assistance scores higher overall: 9.2 vs 9.1.
- Founded is lower at Hiscox: 1901 vs 1963.
- Europ Assistance is licensed in 1 more country.
- Insurance types: only Europ Assistance offers Travel, Home, Health.
- Claims channels: only Hiscox offers Online.
- Support channels: only Europ Assistance offers Email.
- Support channels: only Hiscox offers Help centre.
Our verdict on each
Europ Assistance
Europ Assistance is a French insurer aimed at seniors who want travel, motor, home, health, home emergency, breakdown and dental cover from the same provider, and it has traded since 1963. Claims run on phone only, so help is a phone call away.
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 | Europ Assistance | Hiscox |
|---|---|---|
| Cost | Not confirmed | 9.1Premium from $30 with an excess starting at $0, monthly payments available |
| Offer | 8.7Higher | 8.4 |
| Trust | 9.5 | 9.6Higher |
How they place
| Ranking | Europ Assistance | Hiscox |
|---|---|---|
| Insurance | 167 of 627 | 229 of 627 |
| Car insurance | 80 of 279 | 115 of 279 |
Every fact side by side
| Fact | Europ Assistance | Hiscox |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Not confirmed | Monthly |
| Legal entity | Europ Assistance SAS | Hiscox Insurance Company Inc. |
| Headquarters | France | Bermuda |
| Founded | 1963 | 1901Lower |
| Support channels | Phone, Email | Phone, Help centre |
Where each stands against the rest
| Fact | Europ Assistance | 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
Europ Assistance
Pros
- Covers travel, auto and home, from holidays to a home emergency or a broken-down car.
- Support runs on phone and email, so help comes by phone or by email.
- Claims run on phone, which suits people who prefer to speak to someone.
Cons
- Claims run on phone only, so there is no written route for making a claim.
- Support is limited to phone and email, with no chat or self-service option listed.
- The audience is seniors, so it is a specialist pick rather than a policy for every household.
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
Europ Assistance
Who it suits
- Seniors and older households who want travel, home, health and dental cover from the same provider.
- People who would rather call phone than fill in forms after a problem.
- Households running several small policies across travel, auto and home and looking to simplify.
Who should look elsewhere
- Anyone shopping for life cover: Linxea writes life policies.
- Buyers who want a lender alongside the policy: Oney Préstamos ES covers health, life and gadget.
- People focused on motor and travel abroad: Euroasia Insurance lists auto, home and travel.
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
Questions about each
Europ Assistance
Who does Europ Assistance write cover for?+
The audience is seniors, and the listed product range is travel, auto and home. That mix leans on home emergencies, breakdowns, travel and dental work rather than large motor policies, so it reads as an assistance-led insurer for older households.
How do I make a claim?+
Claims run on phone, so a claim starts with a call rather than a form. General support is wider, at phone and email, but the written channel is not offered for claims. Keep your policy details handy before you dial, since the listed claim channel is voice only.
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
Europ Assistance
Hiscox