Updated September 28, 2026 · AssureCue Editorial Team
Getsafe vs Guardian1821
Getsafe vs Guardian1821: the differences
| Compare |  Getsafe |  Guardian1821 |
|---|---|---|
| Insurance types | Home, Dental, Life, Health, Travel, Pet, Income protection | Life, Critical illness, Income protection |
| Provider type | Broker | Insurer |
| Cover limit | Up to 4x the official German vet fee rate | 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 | App, Phone, Chat | Phone, Email |
| Premium from | €2.90 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
| Excess from | €0 | Not confirmed |
| Age range | Not confirmed | up to 70 |
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Key differences
- Guardian1821 scores higher overall: 9.4 vs 9.1.
- Founded is lower at Guardian1821: 1821 vs 2015.
- Getsafe is available in 1 more country.
- Insurance types: only Getsafe offers Home, Dental, Health.
- Insurance types: only Guardian1821 offers Critical illness.
- Claims channels: only Getsafe offers App, Chat.
- Claims channels: only Guardian1821 offers Email.
- Support channels: only Getsafe offers Chat.
Our verdict on each
Getsafe
Getsafe suits people in Germany who want one broker for personal lines and a monthly bill rather than a yearly one. Premiums start at €2.90 and monthly payments are available, though the broker model means the cover sits with an insurer, not with Getsafe 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 | Getsafe | Guardian1821 |
|---|---|---|
| Cost | 9.4Premiums start at €2.90 with an excess of €0, and monthly is monthly only. | Not confirmed |
| Offer | 9.5Higher | 8.8 |
| Trust | 8.6 | 9.8Higher |
How they place
| Ranking | Getsafe | Guardian1821 |
|---|---|---|
| Life insurance | 14 of 263 | 55 of 263 |
| Income protection insurance | 4 of 92 | 16 of 92 |
Every fact side by side
| Fact | Getsafe | Guardian1821 |
|---|---|---|
| Audience | Expats, Seniors | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | Getsafe Digital GmbH | Guardian Financial Services Limited |
| Headquarters | Germany | United Kingdom |
| Founded | 2015 | 1821Lower |
| Support channels | Email, Phone, Chat, Help centreCovers more | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Getsafe | Guardian1821 | Median |
|---|---|---|---|
| Premium from | €2.90below the median | Not confirmed | €5.97 |
| Excess from | €0below the median | Not confirmed | €70 |
Median across 109 listed insurance providers.
Pros and cons
Getsafe
Pros
- Premiums start at €2.90, below the site median of €8.37.
- The excess starts at €0 on liability cover, so a claim need not reduce a payout.
- Monthly payments are available, and monthly lists monthly as the only payment model.
Cons
- Getsafe is a broker, so you buy cover from an insurer and the policy terms sit outside this site.
- home, dental and life does not list car, renters or landlord cover, so you would need a second provider for those.
- Monthly payments are the only option in monthly, with no annual payment to cut the cost.
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
Getsafe
Who it suits
- People living in Germany who want one app for home, dental, life, health, travel, pet and income protection.
- Expats and newcomers to Germany, since expats and seniors lists expats and seniors.
- Anyone who prefers a monthly bill and a €0 excess rather than paying a year up front.
Who should look elsewhere
- Drivers and landlords: home, dental and life has no car, renters or landlord lines.
- Anyone wanting annual payments to cut the cost, because monthly is monthly only.
- Buyers who want to contract with an insurer directly, as Getsafe is a broker.
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 | Getsafe | Guardian1821 |
|---|---|---|
| Austria | Yes | No |
| Germany | Yes | No |
| United Kingdom | No | Yes |
Questions about each
Getsafe
How much does Getsafe cost?+
Premiums start at €2.90, and the site median across listed brands is €8.37. The €0 excess on liability cover sits at the lower end too, so a liability claim does not come out of your pocket first. Actual price depends on which line you take.
Can I pay monthly instead of yearly?+
Yes, monthly payments are available, and monthly lists monthly as the only payment model. There is no annual option in the same fact, so anyone hoping to pay once a year to save on the total should look elsewhere or ask the insurer directly.
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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