Product liability included as standard with public liability
Source: AXA
product liability is included as standard with our public liability product if you make, sell or supply products
Pet Shop
Claims AXA makes that competitors do not (3)
10% discount for obtaining quote online
Source: AXA
you'll also get 10%** off your price for getting a quote online
Discount lasts for lifetime of policy
Source: AXA
This discount is applied automatically and lasts for the lifetime of your policy
Claims competitors make that AXA does not (4)
Unlimited policy changes available
Source: Hiscox
We also let you make unlimited changes to your policy if your pet shop's circumstances change
Immediate cover upon purchase
Source: Hiscox
Once you've purchased your insurance, you'll have immediate cover, and your documents should follow in an email
Cyber insurance available as add-on
Source: Hiscox
Your pet shop policy can also be tailored to include cover for your business from both legal protection and cyber insurance for issues such as contractual disputes and cyber breaches
Combined office insurance product covering building and stock
Source: Hiscox
We also have a product – office insurance – that combines cover for both the building and stock, fixtures and fittings
Areas where AXA's language is weaker (4)
Speed of cover activation
AXA says:
— nothing on this topic —Hiscox says:
Once you've purchased your insurance, you'll have immediate cover, and your documents should follow in an email, as long as no specific changes are required
Policy flexibility and changes
AXA says:
— nothing on this topic —Hiscox says:
We also let you make unlimited changes to your policy if your pet shop's circumstances change
Additional cover options beyond core products
AXA says:
— nothing on this topic —Hiscox says:
Your pet shop policy can also be tailored to include cover for your business from both legal protection and cyber insurance for issues such as contractual disputes and cyber breaches
Personalized consultation approach
AXA says:
Not sure what covers you need?
Hiscox says:
Not sure what you need? Tell us more about your pet shop business. We want to hear what you do and the challenges you face
Differentiation suggestions (5)
Emphasize immediate cover availability and speed of policy activation post-purchase, matching or exceeding Hiscox's 'immediate cover' messaging
Hiscox explicitly promotes immediate cover as a competitive advantage; AXA is silent on this, creating a perception gap that could influence purchase decisions for businesses needing urgent protection
Highlight unlimited policy changes or flexibility features to match Hiscox's positioning on adaptability as businesses grow
Hiscox differentiates on the ability to adjust cover as circumstances change; AXA makes no mention of this, missing an opportunity to appeal to growing pet shop businesses
Expand messaging on cyber insurance and legal protection add-ons available for pet shop policies
Hiscox explicitly mentions cyber and legal protection as tailorable options; AXA's product page is silent on these, potentially losing customers seeking comprehensive modern coverage
Develop a more consultative tone in the 'Not sure what covers you need?' section, asking about business challenges and circumstances rather than generic guidance
Hiscox uses empathetic, challenge-focused language ('We want to hear what you do and the challenges you face'); AXA's approach is more transactional, missing an opportunity to build trust and demonstrate understanding
Create messaging around the lifetime duration of the 10% online discount to reinforce long-term value proposition
AXA's lifetime discount is a strong differentiator but is buried in footnotes; promoting this prominently as 'permanent savings' could be a compelling acquisition message against Hiscox