Updated September 28, 2026 · AssureCue Editorial Team
ERGO Group Deutschland vs Guardian1821
What sets them apart
| Compare |  ERGO Group Deutschland |  Guardian1821 |
|---|---|---|
| Insurance types | Auto, Home, Life, Health, Travel, Motorcycle, Dental, Income protection | Life, Critical illness, Income protection |
| Cover limit | 31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg) | 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 | Under 36 (13% start bonus for young people) | up to 70 |
| Premium from | €3.90 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
Same on both: Provider type (Insurer).
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Key differences
- Insurance types: only ERGO Group Deutschland offers Auto, Home, Health.
- Insurance types: only Guardian1821 offers Critical illness.
- Claims channels: only ERGO Group Deutschland offers Online.
- Claims channels: only Guardian1821 offers Email.
- Support channels: only ERGO Group Deutschland offers Chat.
- Support channels: only Guardian1821 offers Help centre.
Our verdict on each
ERGO Group Deutschland
ERGO Group Deutschland suits people who want one insurer for home, car and health cover, with premiums starting at €3.90 on a home policy. The support mix and monthly payment option make the account easy to run, and the price sits below the site median of €8.37.
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 | ERGO Group Deutschland | Guardian1821 |
|---|---|---|
| Cost | 9.3Premiums start at €3.90 on the Smart home policy, under the site median of €8.37, with monthly payments available. | Not confirmed |
| Offer | 9.1Higher | 8.8 |
| Trust | 9.6 | 9.8Higher |
How they place
| Ranking | ERGO Group Deutschland | Guardian1821 |
|---|---|---|
| Life insurance | 5 of 263 | 56 of 263 |
| Income protection insurance | 2 of 92 | 17 of 92 |
Every fact side by side
| Fact | ERGO Group Deutschland | Guardian1821 |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | ERGO Group AG | Guardian Financial Services Limited |
| Headquarters | Germany | United Kingdom |
| Founded | Not confirmed | 1821 |
| Support channels | Email, Chat, Phone | Phone, Email, Help centre |
Business insurance
| Fact | ERGO Group Deutschland | Guardian1821 |
|---|---|---|
| Cover types | Public liability, Cyber, Property | Not confirmed |
Where each stands against the rest
| Fact | ERGO Group Deutschland | Guardian1821 | Median |
|---|---|---|---|
| Premium from | €3.90below the median | Not confirmed | €5.97 |
Median across 109 listed insurance providers.
Pros and cons
ERGO Group Deutschland
Pros
- Premiums start at €3.90 on the Smart home policy, below the site median of €8.37
- Monthly payments are available, so the cost spreads across the year rather than landing in one bill
- Support runs on email, chat and phone, so you can reach a person on chat, email or phone
Cons
- The starting premium of €3.90 belongs to the Smart home policy for a small flat, so it reads as an entry point rather than a price for a larger home
- The age band shown is Under 36 (13% start bonus for young people), so the starting price applies to a narrower group
- Support runs on email, chat and phone only, with no branch or broker option listed
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
ERGO Group Deutschland
Who it suits
- Households in Germany who want home, car, health, life, travel, motorbike, dental and income protection from one insurer
- Renters or flat owners who want monthly payments instead of a single annual bill
- Small businesses that need public liability, cyber or property cover alongside personal lines
Who should look elsewhere
- Shoppers whose main need is professional or employers liability, since business cover is limited to public liability, cyber and property
- People wanting pet or renters insurance, as neither appears in auto, home and life
- Anyone who wants branch or in person service, since support runs on email, chat and phone only
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
ERGO Group Deutschland
Current offer
Bonus
13% start bonus for young people on ERGO Hausratversicherung: 13%
Granted while the policyholder has not yet reached age 36; applied automatically
Source, checked September 26, 2026
Country by country
| Country | ERGO Group Deutschland | Guardian1821 |
|---|---|---|
| Germany | Yes | No |
| United Kingdom | No | Yes |
Questions about each
ERGO Group Deutschland
What does ERGO Group Deutschland cost to start with?+
The published entry price is €3.90, attached to the Smart home policy. The site median for this field is €8.37, and the lower quartile is €2.92, so the starting figure sits in the cheaper part of the market range. It applies to that one home product rather than every policy.
Can I pay monthly instead of in one payment?+
Yes. Monthly payments are available, so the premium can be spread over the year rather than paid as a single sum. That is the payment model listed for this insurer, and it is the norm across the site, where 88.9% is the share of brands offering it.
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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