Endsleigh vs Hedgehog
Comprehensive comparison of Endsleigh and Hedgehog car insurance. Our expert analysis examines pricing, coverage, customer service, and claims handling to help you choose the right provider for your needs.
Key Comparison Insights
Overall Recommendation
Choose Endsleigh if you need multi-policy student/educator cover. Pick Hedgehog for lowest-cost, app-first car insurance.
Pricing Analysis
Hedgehog is often 15–25% cheaper for standard drivers due to its fully digital model. Endsleigh is competitive for students and university staff thank...
UK Market Context
UK average car insurance premium is £694(Association of British Insurers). See how Endsleigh and Hedgehogcompare to this benchmark in our detailed analysis below.
Company Information Comparison
| Feature | Endsleigh | Hedgehog |
|---|---|---|
| Established | 1965 | 2018 |
| Underwriter | AXA Insurance UK plc | Berkshire Hathaway International Insurance Limited |
| Market Position | Mid-range | Budget |
| Customer Service Hours | Mon–Fri: 8am–6pm | Mon–Fri: 9am–5pm |
| Claims Satisfaction | 4.1 | 4.5 |
| Financial Strength | A+ | AA |
| Mobile App Rating | 4.0 | 4.3 |
Policy Features Comparison
| Feature | Endsleigh | Hedgehog |
|---|---|---|
No Claims Discount Years protected | Up to 5 years | Up to 0 years |
Telematics Option | ||
| Multi-Car Discount | ||
New for Old Replacement Vehicle age limit | Up to 2 years | Up to 0 years |
Uninsured Driver Promise | ||
| Paperless Discount |
Starting Premium
£450.00
Endsleigh
£230.00
Hedgehog
Maximum Cover
£5,000,000
Endsleigh
£5,000,000
Hedgehog
Total Policies
3
Endsleigh
3
Hedgehog
Comprehensive Cover
Full Coverage
Endsleigh
Full Coverage
Hedgehog
Premium Analysis
Features Comparison
Policy Type Distribution
Endsleigh
Comprehensive
1
Third Party Fire & Theft
1
Hedgehog
Comprehensive
1
Third Party Fire & Theft
1
In-Depth Comparison Analysis
Expert Comparison Analysis: Endsleigh vs Hedgehog
Our comprehensive analysis compares Endsleigh and Hedgehogacross multiple dimensions including pricing, coverage options, customer service quality, and claims handling. This detailed comparison is based on real policy data, customer feedback, and market research to help you make an informed decision about your car insurance.
Overall Verdict
Choose Endsleigh if you need multi-policy student/educator cover. Pick Hedgehog for lowest-cost, app-first car insurance.
Detailed Head-to-Head Analysis
Pricing & Value Analysis
Hedgehog is often 15–25% cheaper for standard drivers due to its fully digital model. Endsleigh is competitive for students and university staff thanks to partnerships and group policies.
Endsleigh
Average: £650.00
Hedgehog
Average: £316.67
Coverage & Benefits Comparison
Endsleigh includes more education-specific cover, such as room contents and bike theft. Hedgehog offers clean, modular policies but fewer niche features.
Customer Service Comparison
Hedgehog runs fully online with no call centre. Endsleigh combines digital tools with live phone support for education-sector clients.
Claims Process Analysis
Hedgehog’s claim reviews are fast due to automation, but can feel impersonal. Endsleigh provides more human-led support during claims.
Key Differentiators
Endsleigh targets students, teachers, and universities
Hedgehog delivers fully online, low-cost car insurance
Endsleigh offers hybrid service — digital and live phone help
Hedgehog is mobile-friendly with 24/7 online tools
Endsleigh suits those with mixed property and vehicle cover needs
Which Should You Choose? Real-World Scenarios
New Driver (Age 18-25)
First-time driver looking for affordable coverage with good support
Based on pricing for young drivers, available discounts, and customer support quality
Family with Multiple Cars
Two adults with 2-3 vehicles needing comprehensive coverage
Considering multi-car discounts, family-friendly features, and overall value
Senior Driver (65+)
Experienced driver seeking reliable coverage with excellent customer service
Based on senior-specific benefits, claims handling, and service quality
Business Vehicle
Commercial use requiring business insurance coverage
Evaluating business coverage options, commercial claims handling, and fleet discounts
UK Car Insurance Market Context
Understanding how Endsleigh and Hedgehog fit within the broader UK car insurance market helps contextualize this comparison. The following statistics provide insight into current market conditions.
Average Claim Settlement Time
15 days
Source: Financial Conduct Authority
Young Driver Premium Increase
+127%
Source: Confused.com Price Index
Percentage of Drivers Switching Insurers in 2024
39%
Source: GoCompare Switching Trends Survey
UK Car Insurance Market Size
31 million policies
Source: Statista UK Insurance Report
Average UK Car Insurance Premium 2024
£694
Source: Association of British Insurers
Average Cost of Car Insurance Fraud Per Case
£1,150
Source: Insurance Fraud Bureau, 2024
Customer Satisfaction Average
72%
Source: Consumer Intelligence
Black Box Policy Uptake Among Drivers Under 25
51%
Source: Compare the Market, 2024 Telematics Report
Detailed Real-World Analysis
A university lecturer insuring a car and laptop together might find Endsleigh’s bundled offers compelling. A solo driver seeking the cheapest online premium may lean toward Hedgehog.
Our Final Recommendation
After analyzing pricing, coverage, customer service, and claims handling, here's our recommendation for different customer profiles:
Choose Endsleigh if:
- You prioritize comprehensive service and support
- You value additional benefits and coverage options
- You don't mind paying extra for premium service
Choose Hedgehog if:
- You're focused on getting the best value for money
- You're comfortable with essential coverage levels
- You prefer straightforward, no-frills insurance
Important: The best choice depends on your individual circumstances, driving history, vehicle type, and personal preferences. We recommend getting quotes from both providers to compare actual prices for your specific situation.
Comparison Methodology
This comparison is based on comprehensive analysis of policy documents, customer reviews, claims data, pricing information, and independent research. We maintain editorial independence and regularly update our analysis to reflect market changes. Last updated: 7/4/2025
Making Your Decision
When comparing Endsleigh and Hedgehog, consider how each provider's strengths align with your specific vehicle and driving needs. Endsleigh's average premium of £650.00compared to Hedgehog's £316.67 should be weighed against the coverage and benefits each provider offers.
Key Differences:
- Premium range and pricing structure
- Coverage limits and exclusions
- Available policy types
- Claims process and service features
Next Steps:
- Review detailed policy documents
- Check for vehicle-specific coverage
- Consider your no claims bonus
- Compare excess options and limits
Remember that the best choice depends on your individual circumstances, including your vehicle's age, make, model, your driving history, and your budget. Consider getting quotes from both providers to make a fully informed decision.