Updated September 28, 2026 · AssureCue Editorial Team
CosmosDirekt vs Guardian1821
What sets them apart
| Compare |  CosmosDirekt |  Guardian1821 |
|---|---|---|
| Insurance types | Auto, Home, Life, Motorcycle, Travel, Pet, Landlord, Income protection | Life, Critical illness, Income protection |
| Cover limit | up to 20,000 EUR per trip (single) / 40,000 EUR per trip (family) | 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 | Online, Phone | Phone, Email |
| Age range | up to 64 years | up to 70 |
| Premium from | €1.73 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
Same on both: Provider type (Insurer).
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Key differences
- Founded is lower at Guardian1821: 1821 vs 1950.
- Insurance types: only CosmosDirekt offers Auto, Home, Motorcycle.
- Insurance types: only Guardian1821 offers Critical illness.
- Claims channels: only CosmosDirekt offers Online.
- Claims channels: only Guardian1821 offers Email.
Our verdict on each
CosmosDirekt
CosmosDirekt underwrites its own policies, so readers who want the contract, the claims handling and the premium to sit with a single insurer get a straightforward deal, with premiums starting at €1.73 on monthly terms. The cost score reads 8.2, and the trade-off is a single provider name across many lines of cover.
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 | CosmosDirekt | Guardian1821 |
|---|---|---|
| Cost | 9.4Entry premium of €1.73 on monthly policies sits under the site median of €8.37, though 44 of 252 brands rank lower still. | Not confirmed |
| Offer | 9.1Higher | 8.8 |
| Trust | 9.6 | 9.8Higher |
How they place
| Ranking | CosmosDirekt | Guardian1821 |
|---|---|---|
| Life insurance | 4 of 261 | 51 of 261 |
| Income protection insurance | 1 of 92 | 15 of 92 |
Where each is licensed and available
| Country | CosmosDirekt | Guardian1821 |
|---|---|---|
| Germany | Not confirmed | |
| United Kingdom | Not confirmed |
Additional countries for CosmosDirekt: 1. Additional countries for Guardian1821: 1.
What we checked
CosmosDirekt
- cosmosdirekt.de: 12 facts, checked September 26, 2026
Guardian1821
- guardian1821.co.uk: 10 facts, checked September 26, 2026
Every fact side by side
| Fact | CosmosDirekt | Guardian1821 |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Cosmos Versicherung Aktiengesellschaft | Guardian Financial Services Limited |
| Headquarters | Germany | United Kingdom |
| Founded | 1950 | 1821Lower |
| Support channels | Phone, Email, Help centre | Phone, Email, Help centre |
Where each stands against the rest
| Fact | CosmosDirekt | Guardian1821 | Median |
|---|---|---|---|
| Premium from | €1.73lowest quarter | Not confirmed | €5.97 |
Median across 109 listed insurance providers.
Pros and cons
CosmosDirekt
Pros
- Premiums start at €1.73 on monthly policies, under the site median of €8.37.
- CosmosDirekt is an insurer, insurer, so the policy and the payout sit with the same company, Cosmos Versicherung Aktiengesellschaft.
- Cover spans auto, home and life, letting a household place several lines with a single provider.
Cons
- The €1.73 entry figure ranks 44 of 252 brands on price, better than most, yet the floor across the site is €0.
- Support runs on phone, email and help centre only, with no chat line or community forum in that list.
- auto, home and renters at Good Sam Insurance Agency adds renters and health cover, so a reader needing those lines goes elsewhere.
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
CosmosDirekt
Who it suits
- Readers who want the insurer itself rather than a broker, with the policy and the claim sitting at Cosmos Versicherung Aktiengesellschaft.
- People who budget monthly, since monthly payments are available and monthly is the listed model.
- Households wanting motor, home, travel, pet and landlord cover from a single provider, all under auto, home and life.
Who should look elsewhere
- Readers who want renters or health cover from a single provider: Good Sam Insurance Agency lists auto, home and renters and reaches further than auto, home and life.
- Anyone whose only measure is the entry figure: bunq starts at €0 against €1.73 here.
- Buyers who price in a single currency: EuroAsia Insurance quotes UZS 60,000, so its figure needs converting before it can sit beside €1.73.
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.
Current offers
CosmosDirekt
Current offer
Bonus
Risikolebensversicherung Amazon.de voucher action: up to 75 EUR in Amazon.de vouchers (5 x 15 EUR spread over 5 years)
Promo code RLV9EC26 entered on online term life application by 30.09.2026; not combinable with other actions; vouchers delivered by email, no cash payout of the total
Source, checked September 26, 2026
Bonus
FlexInvest Amazon.de voucher action: up to 75 EUR in Amazon.de vouchers
Valid until 30.09.
Source, checked September 26, 2026
Country by country
| Country | CosmosDirekt | Guardian1821 |
|---|---|---|
| Germany | Yes | No |
| United Kingdom | No | Yes |
Questions about each
CosmosDirekt
How much does CosmosDirekt cost to begin with?+
Premiums start at €1.73, and that figure belongs to a monthly policy because monthly payments are available. It is an entry point for a single line rather than a household quote. For scale, the median entry premium across the site is €8.37 and the floor is €0.
Can I pay monthly rather than for a whole year?+
Yes. Monthly payments are available, and the payment model listed is monthly, so the premium is collected month by month instead of in a single annual sum. Across the site 88.9% of brands take monthly payments, so this is the normal arrangement rather than an exception.
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.
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