About Guardian
Guardian is a relatively new UK insurer, launched in 2018. Despite being a newer entrant, they have quickly built a strong reputation — particularly for critical illness cover — through comprehensive policy definitions and a strong focus on the adviser market.
Guardian critical illness — key features
- One of the widest lists of covered conditions in the UK market
- Covers over 140 conditions and partial payments
- Children's CIC included
- Innovative policy wording designed to reduce claim disputes
- Life insurance available combined or standalone
- Strong focus on mental health support services
Coverage depth
Where many insurers cover 30–50 conditions, Guardian covers 140+. This includes partial payment conditions, enhanced definitions for common cancers, and better definitions for conditions like heart attack and stroke that are more consumer-friendly.
Pricing
Guardian's premiums are competitive, though their comprehensive cover means they are not always the cheapest. The additional breadth of cover often makes them better value than cheaper alternatives with narrower definitions.
Claims record
Guardian publishes detailed claims statistics. Given their relatively recent launch, their absolute claims numbers are lower than established insurers, but their payment rate is strong and their definitions have reduced the number of disputed claims.
Pros and cons
- ✓ Market-leading CIC definitions and condition count
- ✓ Fairer, clearer policy wording
- ✓ Strong adviser support and reputation
- ✗ Newer insurer — shorter track record than Aviva or Royal London
- ✗ Primarily adviser-distributed
Verdict
For critical illness cover specifically, Guardian is one of the best options available in the UK. If you want the most comprehensive protection, they deserve serious consideration alongside more established names.
Frequently Asked Questions
Yes — Guardian has strong financial backing and has quickly built a reputation for fair, comprehensive policy definitions. They are highly rated by independent protection advisers.
Guardian consistently ranks among the best for CIC policy breadth and definition quality. Whether it's the best value for your specific profile depends on age, health, and cover amount — compare personalised quotes.