Updated September 28, 2026 · AssureCue Editorial Team
Guardian1821 vs TIPINSURE
Where Guardian1821 and TIPINSURE differ
| Compare |  Guardian1821 |  TIPINSURE |
|---|---|---|
| Insurance types | Life, Critical illness, Income protection | Auto, Home, Travel, Health, Pet, Motorcycle, Critical illness |
| 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 | 500,000 THB |
| Claims channels | Phone, Email | Phone, App, Online |
| Age range | up to 70 | 20-60, renewable to 64 |
| Premium from | Not confirmed | THB 699 |
| Monthly payments | Not confirmed | Yes |
Same on both: Provider type (Insurer).
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Key differences
- Guardian1821 scores higher overall: 9.4 vs 9.3.
- Founded is lower at Guardian1821: 1821 vs 1951.
- Insurance types: only Guardian1821 offers Life, Income protection.
- Insurance types: only TIPINSURE offers Auto, Home, Travel.
- Claims channels: only Guardian1821 offers Email.
- Claims channels: only TIPINSURE offers App, Online.
- Support channels: only Guardian1821 offers Email.
- Support channels: only TIPINSURE 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.
TIPINSURE
TIPINSURE suits households in Thailand that want a single monthly policy across motor, home, health and critical illness cover. The starting premium of THB 699 runs well above the site median, so the cost is the trade-off to weigh.
Score breakdown
| Area | Guardian1821 | TIPINSURE |
|---|---|---|
| Cost | Not confirmed | 8.9Starting premium of THB 699 sits well above the site median of €8.37, ranking 169 of 252. |
| Offer | 8.8 | 9.3Higher |
| Trust | 9.8Higher | 9.6 |
Feature by feature
| Insurance types | Guardian1821 | TIPINSURE |
|---|---|---|
| Auto | No | Yes |
| Home | No | Yes |
| Life | Yes | No |
| Health | No | Yes |
| Travel | No | Yes |
| Pet | No | Yes |
| Motorcycle | No | Yes |
| Critical illness | Yes | Yes |
| Income protection | Yes | No |
Where they rank in our lists
| Ranking | Guardian1821 | TIPINSURE |
|---|---|---|
| Life insurance | 51 of 261 | 9 of 261 |
| Critical illness cover | 14 of 65 | 2 of 65 |
Availability and regulation
| Country | Guardian1821 | TIPINSURE |
|---|---|---|
| United Kingdom | Not confirmed |
Additional countries for Guardian1821: 1. Additional countries for TIPINSURE: 1.
What we checked
Guardian1821
- guardian1821.co.uk: 10 facts, checked September 26, 2026
TIPINSURE
- dhipaya.co.th: 5 facts, checked September 26, 2026
- tipinsure.com: 4 facts, checked September 26, 2026
- ft.tipinsure.com: 3 facts, checked September 26, 2026
Every fact side by side
| Fact | Guardian1821 | TIPINSURE |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Guardian Financial Services Limited | TIPINSURE Public Company Limited |
| Headquarters | United Kingdom | Thailand |
| Founded | 1821Lower | 1951 |
| Support channels | Phone, Email, Help centre | Phone, Chat, Help centre |
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.
TIPINSURE
Pros
- Monthly payments are available, so cover is paid for as the policy runs
- Insurance types span auto, home, travel, health, pet, motorcycle and critical illness
- Claims can be started by phone, in the app or online
Cons
- The starting premium of THB 699 sits far above the site median of €8.37
- Support runs on phone, chat and help centre only, with no email listed
- Critical illness cover is capped at 500,000 THB
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.
TIPINSURE
Who it suits
- Households wanting a single monthly policy for motor, home and health cover
- Adults aged 20-60, renewable to 64 looking for a lump sum critical illness payout
- Motorcycle and pet owners who want cover from the same insurer
Who should look elsewhere
- Good Sam Insurance Agency, if you need life and renters cover in the same policy
- Euroasia Insurance, if a lower starting premium matters most
- bunq, if you are comparing banking accounts rather than insurance
Current offers
TIPINSURE
Current offer
Bonus
TIP PET BUDDY: owner pays 50%, insurer pays the other 50% of veterinary treatment: 50% co-payment on veterinary costs up to 50,000 baht
Selected plan; 60-day waiting period for general illness; pets aged 3 months to 7 years
Source, checked September 26, 2026
Country by country
| Country | Guardian1821 | TIPINSURE |
|---|---|---|
| Thailand | 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.
TIPINSURE
What does TIPINSURE cost to start?+
The starting premium is THB 699. That is well above the site median of €8.37, and the site pokes 252 brands ranked on this figure, placing TIPINSURE at 169.
How do I pay for cover?+
TIPINSURE offers monthly payments, so premiums are spread across the policy year instead of paid in one sum. Payment is a yes on the monthly payments point for this brand.
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