Updated September 28, 2026 · AssureCue Editorial Team
CHECK24 vs Guardian1821
What sets them apart
| Compare |  CHECK24 |  Guardian1821 |
|---|---|---|
| Insurance types | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income protection, Gadget | Life, Critical illness, Income protection |
| Provider type | Comparison site | Insurer |
| Cover limit | EUR 5 million to EUR 50 million, recommended at least EUR 10 million | Income Protection: 65% of annual earnings up to GBP 60,000, 50% over 60,000 up to 100,000, 45% over 100,000 |
| Claims channels | CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post | Phone, Email |
| Premium from | €0.69 | Not confirmed |
| Age range | Not confirmed | up to 70 |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Guardian1821 scores higher overall: 9.4 vs 9.3.
- Founded is lower at Guardian1821: 1821 vs 1999.
- CHECK24 is available in 2 more countries.
- Insurance types: only CHECK24 offers Auto, Home, Health.
- Insurance types: only Guardian1821 offers Critical illness.
- Claims channels: only CHECK24 offers CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post.
- Claims channels: only Guardian1821 offers Phone, Email.
- Support channels: only CHECK24 offers Chat.
Our verdict on each
CHECK24
CHECK24 suits people who would rather compare several insurers in one place than settle with a single provider, and it has worked as a comparison site since 1999. The trade-off is that the policy belongs to whichever insurer you pick, so the gain comes from the choice rather than from the site itself.
Guardian1821
Guardian1821 is the insurer to shortlist if you want life, critical illness and income protection under one roof, with monthly premiums and cover open to ages up to 70. Premiums are quoted per policy rather than a flat brand rate, so the monthly figure on your own quote is the number that matters.
Score breakdown
| Area | CHECK24 | Guardian1821 |
|---|---|---|
| Cost | 9.8Entry premium €0.69 sits well under the site median of €8.37, though monthly payments decide the total. | Not confirmed |
| Offer | 9.6Higher | 8.8 |
| Trust | 8.6 | 9.8Higher |
Availability and regulation
| Country | CHECK24 | Guardian1821 |
|---|---|---|
| Germany | IHK Frankfurt am Main D-UC2S-PFVJD-82 IHK fuer Muenchen und Oberbayern D-FPD7-IQZPB-00 Handelskammer Hamburg D-I6KJ-85T6H-31 | Not confirmed |
| United Kingdom | Not confirmed |
Additional countries for CHECK24: 3. Additional countries for Guardian1821: 1.
Positions in our rankings
| Ranking | CHECK24 | Guardian1821 |
|---|---|---|
| Life insurance | 7 of 261 | 51 of 261 |
| Income protection insurance | 3 of 92 | 15 of 92 |
Every fact side by side
| Fact | CHECK24 | Guardian1821 |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | CHECK24 Vergleichsportal GmbH | Guardian Financial Services Limited |
| Headquarters | Germany | United Kingdom |
| Founded | 1999 | 1821Lower |
| Support channels | Chat, Email, Phone, Help centreCovers more | Phone, Email, Help centre |
Where each stands against the rest
| Fact | CHECK24 | Guardian1821 | Median |
|---|---|---|---|
| Premium from | €0.69lowest quarter | Not confirmed | €5.97 |
Median across 109 listed insurance providers.
Pros and cons
CHECK24
Pros
- One account reaches auto, home and life, so several kinds of cover can be arranged in the same place.
- Monthly payments are the model on offer, monthly, which spreads a policy charge month by month.
- Support runs on chat, email and phone, so a question can go by chat, email, phone or the help centre.
Cons
- comparison site places CHECK24 outside underwriting, so the cover limit, the wording and the payout are set by the insurer you choose.
- The claim route follows the insurer too: CHECK24 Versicherungscenter online claim form, insurer online claim form and post means the form sits with the site's insurance centre, with the insurer, or goes by post.
- Monthly payments are the only model listed, monthly, so nothing annual is shown beside the monthly figure.
Guardian1821
Pros
- A single insurer covers life, critical illness and income protection, so several kinds of protection can sit with the same company.
- Policies run on monthly premiums, and support runs on phone, email and help centre.
- Trading since 1821 in the United Kingdom, with authorisation from the Financial Conduct Authority and Prudential Regulation Authority under reference 110002.
Cons
- Support and claims run on phone, email and help centre only, with no live chat listed.
- The income protection payout is a share of annual earnings that steps down as earnings rise, so the cover limit is smallest for higher earners.
Who each suits
CHECK24
Who it suits
- People arranging several kinds of cover, since one account reaches auto, home and life.
- Shoppers who want a policy charge spread month by month: monthly.
- Applicants in Germany, where the site is based: DE.
Who should look elsewhere
- Buyers who want one insurer's own cover rather than a comparison: Good Sam Insurance Agency sets out auto, home and renters from a single provider.
- People who want a quote from a single market rather than a German comparison: EuroAsia Insurance lists UZS 60,000, drawn from a different market to DE.
Guardian1821
Who it suits
- People in GB who want life, critical illness and income protection from one regulated insurer.
- Buyers comfortable paying monthly premiums and starting claims on phone and email.
- People who want to begin cover later in life, since entry runs to ages up to 70.
Who should look elsewhere
- Linxea, if you only want life cover: its range is life, with no critical illness or income protection alongside it.
- Oney Préstamos ES, if you want health and gadget cover too, since its types are health, life and gadget.
- Good Sam Insurance Agency, if you want home, auto and pet lines in the same place, which sit outside life, critical illness and income protection.
Country by country
| Country | CHECK24 | Guardian1821 |
|---|---|---|
| Austria | Yes | No |
| Germany | Yes | No |
| Spain | Yes | No |
| United Kingdom | No | Yes |
Questions about each
CHECK24
What does cover cost through CHECK24?+
For private liability cover on monthly payments, the entry premium is €0.69. The model is monthly, so a policy is carried month by month rather than settled in one payment, and the monthly figure is the number to weigh when comparing insurers. The exact premium follows the insurer and the cover you select.
Is CHECK24 an insurer?+
CHECK24 is a comparison site rather than an insurer, and the site is operated by CHECK24 Vergleichsportal GmbH. The policy you take out is underwritten and settled by the insurer you choose from the comparison, which is why the cover limit and the claim route both point to that insurer rather than to the site.
Guardian1821
How much do Guardian1821 policies cost?+
Guardian1821 sets the price per quote rather than publishing a single starting premium, and policies run on monthly premiums, so the figure you budget for is the monthly one on your own quote. For context, the medians listed on AssureCue are €7.95 for life insurance, €7 for income protection and €8.40 for critical illness cover.
Who regulates Guardian1821, and is the money protected?+
Guardian1821 is authorised in GB by the Financial Conduct Authority and Prudential Regulation Authority under reference 110002. The policies are written by Guardian Financial Services Limited, and the brand is an insurer, so cover is underwritten by the company you apply to rather than arranged for you by a separate intermediary.
Other options to compare
Other matchups
- CHECK24 vs Income Insurance
- CHECK24 vs WorldTrips
- CHECK24 vs die Bayerische
- CHECK24 vs Principal
- CHECK24 vs ARAG
- CHECK24 vs Allianz Lebensversicherungs-AG
- CHECK24 vs Aviva
- CHECK24 vs Barmenia
- Guardian1821 vs Mutual of Omaha
- CHECK24 vs KS Auxilia
- CHECK24 vs MyPhysicianPlan
- CHECK24 vs HanseMerkur Reiseversicherung AT
- CHECK24 vs HanseMerkur
- CHECK24 vs Linxea
- CHECK24 vs HelloSafe (Atlas)
- CHECK24 vs MSIG Insurance (Thailand)
- CHECK24 vs TIPINSURE
- CHECK24 vs Vuso UA
- CHECK24 vs Lemonade
- CHECK24 vs Acko
- CHECK24 vs DirectAsia
- CHECK24 vs YouSet
- CHECK24 vs WAS Insurance
- Guardian1821 vs MoneyHero