Updated September 28, 2026 · AssureCue Editorial Team
Guardian1821 vs MoneyHero
What sets them apart
| Compare |  Guardian1821 |  MoneyHero |
|---|---|---|
| Insurance types | Life, Critical illness, Income protection | Travel, Auto, Home, Pet, Life, Critical illness, Health |
| Provider type | Insurer | Comparison site |
| Cover limit | Income Protection: 65% of annual earnings up to GBP 60,000, 50% over 60,000 up to 100,000, 45% over 100,000 | HK$1,000,000 overseas medical expenses (Starr 卓悅遊・尊尚保 travel insurance - Nonpareil) |
| Age range | up to 70 | No upper age limit on single-trip travel plans |
| Premium from | Not confirmed | HK$89.49 |
| Monthly payments | Not confirmed | Yes |
| Excess from | Not confirmed | HK$2,500 |
| Claims channels | Phone, Email | Not confirmed |
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Key differences
- Guardian1821 scores higher overall: 9.4 vs 8.8.
- Founded is lower at Guardian1821: 1821 vs 2013.
- Insurance types: only Guardian1821 offers Income protection.
- Insurance types: only MoneyHero offers Travel, Auto, Home.
- Support channels: only MoneyHero offers Chat.
Our verdict on each
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.
MoneyHero
MoneyHero suits Hong Kong residents who want one place to compare quotes across personal insurance lines rather than a single insurer. It is a comparison site, not a risk carrier, and it carries an Insurance Authority (Hong Kong) licence. Travel cover starts at HKD 89.49.
Score breakdown
| Area | Guardian1821 | MoneyHero |
|---|---|---|
| Cost | Not confirmed | 8.7Travel premiums start at HKD 89.49 with an excess of HKD 2,500, against a site median of €8.37. |
| Offer | 8.8 | 9.7Higher |
| Trust | 9.8Higher | 8.3 |
Positions in our rankings
| Ranking | Guardian1821 | MoneyHero |
|---|---|---|
| Life insurance | 51 of 261 | 17 of 261 |
| Critical illness cover | 14 of 65 | 5 of 65 |
Where each is licensed and available
| Country | Guardian1821 | MoneyHero |
|---|---|---|
| Hong Kong | Not confirmed | |
| United Kingdom | Not confirmed |
Additional countries for Guardian1821: 1. Additional countries for MoneyHero: 1.
Every fact side by side
| Fact | Guardian1821 | MoneyHero |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | Guardian Financial Services Limited | MoneyHero Global Limited (registered in Hong Kong, company number 1864714) |
| Headquarters | United Kingdom | Hong Kong |
| Founded | 1821Lower | 2013 |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre, ChatCovers more |
Where each stands against the rest
| Fact | Guardian1821 | MoneyHero | Median |
|---|---|---|---|
| Premium from | Not confirmed | HK$89.49at the median | HK$89.49 |
Median across 5 listed insurance providers.
Pros and cons
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.
MoneyHero
Pros
- Travel premiums start at HKD 89.49 with an excess of HKD 2,500
- Compares travel, auto, home, pet, life, critical illness and health cover across travel, auto and home
- Monthly payments are available, since the monthly payment model applies
Cons
- A comparison site quotes rather than underwrites, so cover terms sit with the insurer you pick
- Ranked 145 of 252 on premium from, so entry pricing is mid market
- The overall score of 2.5 out of ten puts cost at 2.5, well below the top of the table
Who each suits
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.
MoneyHero
Who it suits
- Hong Kong households covering several lines at once, from travel to health
- Travellers wanting a single-trip plan with no upper age limit, per No upper age limit on single-trip travel plans
- Seniors shopping for cover, listed in seniors
Who should look elsewhere
- Anyone wanting cover underwritten by one named insurer rather than a quote comparison
- Readers who need motorcycle, renters or landlord lines, which sit outside travel, auto and home
- People who set cover by brand alone and will not read the individual policy terms
Current offers
MoneyHero
Current offer
Bonus
Free HK$1,500 vehicle inspection when buying car insurance: HK$1,500
MoneyHero pays the used-car inspection fee as part of inspection plus insurance bundle; limited time, T&Cs apply
Source, checked September 26, 2026
Discount code
HSBC 單次旅遊萬全保 premium discount with code MH: 68折 (32% off)
Apply to the 單次旅遊萬全保 and enter promo code MH; valid until 2026-11-20
Source, checked September 26, 2026
Discount code
HSBC 單次旅遊萬全保 Friday flash discount with code FLASH: 45折 (55% off)
Purchase the 單次旅遊萬全保 on a Friday and enter promo code FLASH; valid until 2026-11-20
Source, checked September 26, 2026
Country by country
| Country | Guardian1821 | MoneyHero |
|---|---|---|
| Hong Kong | No | Yes |
| United Kingdom | Yes | No |
Questions about each
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.
MoneyHero
What does MoneyHero actually sell?+
MoneyHero is a comparison site, so it puts quotes side by side rather than issuing policies. It lists travel, auto, home, pet, life, critical illness and health cover under travel, auto and home. The contract you end up with is with the insurer the winning quote names.
How much does a MoneyHero policy cost?+
Travel premiums start at HKD 89.49 on the cheapest plan listed, against a site median of €8.37. Excess on that plan starts at HKD 2,500, and most brands sit at or below €29.72. Actual pricing depends on the insurer and the cover chosen.
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