Updated September 28, 2026 · AssureCue Editorial Team
Allianz Assistance ES vs CosmosDirekt
What sets them apart
| Compare |  Allianz Assistance ES |  CosmosDirekt |
|---|---|---|
| Premium from | €1.50Lower | €1.73 |
| Insurance types | Travel, Landlord | Auto, Home, Life, Motorcycle, Travel, Pet, Landlord, Income protectionCovers more |
| Cover limit | Medical expenses abroad: up to 20,000 EUR (Bronze), 100,000 EUR (Silver), 500,000 EUR (Gold) | up to 20,000 EUR per trip (single) / 40,000 EUR per trip (family) |
| Claims channels | Online, Email, Post | Online, Phone |
| Monthly payments | Not confirmed | Yes |
| Excess from | €90 | Not confirmed |
| Age range | Not confirmed | up to 64 years |
Same on both: Provider type (Insurer).
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Key differences
- CosmosDirekt scores higher overall: 9.4 vs 9.3.
- Allianz Assistance ES is licensed in 1 more country.
- Allianz Assistance ES is available in 1 more country.
- Premium from is lower at Allianz Assistance ES: €1.50 vs €1.73.
- Insurance types: only CosmosDirekt offers Auto, Home, Life.
- Claims channels: only Allianz Assistance ES offers Email, Post.
- Claims channels: only CosmosDirekt offers Phone.
Our verdict on each
Allianz Assistance ES
Allianz Assistance ES suits people in Spain buying travel or landlord cover who want a named insurer behind the policy rather than a broker. Premiums start at €1.50 and support runs through phone, email and help centre, so help is easy to reach before a claim.
CosmosDirekt
CosmosDirekt underwrites its own policies, so readers who want the contract, the claims handling and the premium to sit with a single insurer get a straightforward deal, with premiums starting at €1.73 on monthly terms. The cost score reads 8.2, and the trade-off is a single provider name across many lines of cover.
Score breakdown
| Area | Allianz Assistance ES | CosmosDirekt |
|---|---|---|
| Cost | 9.2Entry premium is €1.50 with an excess from €90, both low beside the €8.37 site median for personal cover. | 9.4HigherEntry premium of €1.73 on monthly policies sits under the site median of €8.37, though 44 of 252 brands rank lower still. |
| Offer | 8.9 | 9.1Higher |
| Trust | 9.6 | 9.6 |
What each covers
| Insurance types | Allianz Assistance ES | CosmosDirekt |
|---|---|---|
| Auto | No | Yes |
| Home | No | Yes |
| Life | No | Yes |
| Travel | Yes | Yes |
| Pet | No | Yes |
| Motorcycle | No | Yes |
| Landlord | Yes | Yes |
| Income protection | No | Yes |
Positions in our rankings
| Ranking | Allianz Assistance ES | CosmosDirekt |
|---|---|---|
| Home insurance | 63 of 272 | 5 of 272 |
| Travel insurance | 88 of 291 | 9 of 291 |
| Landlord insurance | 13 of 55 | 2 of 55 |
Pick Allianz Assistance ES if, pick CosmosDirekt if
Pick Allianz Assistance ES if premium from matter most.
Pick CosmosDirekt if insurance types matter most.
Sources behind this comparison
Allianz Assistance ES
- allianz-assistance.es: 9 facts, checked September 26, 2026
CosmosDirekt
- cosmosdirekt.de: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | Allianz Assistance ES | CosmosDirekt |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Legal entity | AWP P&C SA. Sucursal en España | Cosmos Versicherung Aktiengesellschaft |
| Headquarters | Spain | Germany |
| Founded | Not confirmed | 1950 |
| Support channels | Phone, Email, Help centre | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Allianz Assistance ES | CosmosDirekt | Median |
|---|---|---|---|
| Premium from | €1.50lowest quarter | €1.73lowest quarter | €5.97 |
| Excess from | €90above the median | Not confirmed | €70 |
Median across 109 listed insurance providers.
Pros and cons
Allianz Assistance ES
Pros
- An insurer rather than a middleman, so the sale, the policy and the claim sit with AWP P&C SA. Sucursal en España
- Support runs on phone, email and help centre for policy questions before a claim
- Claims can be filed through online, email and post, which lists online, email and post
Cons
- travel and landlord lists travel and landlord only, narrower than auto, home and renters
- An excess from €90 is left with you on a claim
- The lowest travel tier sets the smallest medical expenses abroad limit under the cover limit fact, so a heavy treatment bill abroad rests with you
CosmosDirekt
Pros
- Premiums start at €1.73 on monthly policies, under the site median of €8.37.
- CosmosDirekt is an insurer, insurer, so the policy and the payout sit with the same company, Cosmos Versicherung Aktiengesellschaft.
- Cover spans auto, home and life, letting a household place several lines with a single provider.
Cons
- The €1.73 entry figure ranks 44 of 252 brands on price, better than most, yet the floor across the site is €0.
- Support runs on phone, email and help centre only, with no chat line or community forum in that list.
- auto, home and renters at Good Sam Insurance Agency adds renters and health cover, so a reader needing those lines goes elsewhere.
Who each suits
Allianz Assistance ES
Who it suits
- Travellers buying cover in Spain who want help with medical costs abroad
- Landlords letting a property under travel and landlord
- Anyone who prefers an insurer that carries the risk itself
Who should look elsewhere
- Drivers and motorbike riders, since travel and landlord covers travel and landlord only and car cover sits elsewhere, such as Hiscox UK
- House occupiers shopping for buildings and contents cover, which Hiscox UK and Good Sam Insurance Agency list in home, renters and landlord and auto, home and renters
CosmosDirekt
Who it suits
- Readers who want the insurer itself rather than a broker, with the policy and the claim sitting at Cosmos Versicherung Aktiengesellschaft.
- People who budget monthly, since monthly payments are available and monthly is the listed model.
- Households wanting motor, home, travel, pet and landlord cover from a single provider, all under auto, home and life.
Who should look elsewhere
- Readers who want renters or health cover from a single provider: Good Sam Insurance Agency lists auto, home and renters and reaches further than auto, home and life.
- Anyone whose only measure is the entry figure: bunq starts at €0 against €1.73 here.
- Buyers who price in a single currency: EuroAsia Insurance quotes UZS 60,000, so its figure needs converting before it can sit beside €1.73.
Current offers
CosmosDirekt
Current offer
Bonus
Risikolebensversicherung Amazon.de voucher action: up to 75 EUR in Amazon.de vouchers (5 x 15 EUR spread over 5 years)
Promo code RLV9EC26 entered on online term life application by 30.09.2026; not combinable with other actions; vouchers delivered by email, no cash payout of the total
Source, checked September 26, 2026
Bonus
FlexInvest Amazon.de voucher action: up to 75 EUR in Amazon.de vouchers
Valid until 30.09.
Source, checked September 26, 2026
Country by country
| Country | Allianz Assistance ES | CosmosDirekt |
|---|---|---|
| France | Yes | No |
| Germany | No | Yes |
| Spain | Yes | No |
Questions about each
Allianz Assistance ES
What does a travel policy from Allianz Assistance ES start at?+
The opening premium is €1.50 for travel cover, which reads as a low entry point beside the €8.37 site median. The final price moves with the tier, the trip and the cover limit you pick, so treat that figure as the floor rather than the quote.
Is this brand an insurer or a broker?+
It is registered as an insurer under insurer, which means it carries the risk in its own name. You deal with one company for the sale, the policy and the claim, with no separate underwriter to trace.
CosmosDirekt
How much does CosmosDirekt cost to begin with?+
Premiums start at €1.73, and that figure belongs to a monthly policy because monthly payments are available. It is an entry point for a single line rather than a household quote. For scale, the median entry premium across the site is €8.37 and the floor is €0.
Can I pay monthly rather than for a whole year?+
Yes. Monthly payments are available, and the payment model listed is monthly, so the premium is collected month by month instead of in a single annual sum. Across the site 88.9% of brands take monthly payments, so this is the normal arrangement rather than an exception.
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