Updated September 29, 2026 · AssureCue Editorial Team
andsafe vs CosmosDirekt
What sets them apart
| Compare |  andsafe |  CosmosDirekt |
|---|---|---|
| Premium from | €10.57 | €1.73Lower |
| Insurance types | Auto, Home, Travel, Pet, Bicycle | Auto, Home, Life, Motorcycle, Travel, Pet, Landlord, Income protection |
| Cover limit | 30 Mio. EUR | up to 20,000 EUR per trip (single) / 40,000 EUR per trip (family) |
| Claims channels | Online | Online, PhoneCovers more |
| Excess from | €0 | Not confirmed |
| Age range | Not confirmed | up to 64 years |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- andsafe scores higher overall: 9.6 vs 9.4.
- Premium from is lower at CosmosDirekt: €1.73 vs €10.57.
- Insurance types: only andsafe offers Bicycle.
- Insurance types: only CosmosDirekt offers Life, Motorcycle, Landlord.
- Claims channels: only CosmosDirekt offers Phone.
- Support channels: only andsafe offers Chat.
Our verdict on each
andsafe
andsafe suits small firms in construction, cleaning, crafts, hospitality plus IT and consulting that want direct insurer cover with monthly billing. Premiums run €10.57 with indemnity of €10,000,000 and claims filed through online, which keeps routine protection simple to manage.
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 | andsafe | CosmosDirekt |
|---|---|---|
| Cost | 9.4Premiums run €10.57 for contents cover, with excess terms at €0 on selected liability. | 9.4Entry premium of €1.73 on monthly policies sits under the site median of €8.37, though 44 of 252 brands rank lower still. |
| Offer | 9.5HigherBusiness cover spans public liability, professional indemnity and property alongside personal lines across auto, home and travel. | 9.1 |
| Trust | 9.8Higherandsafe acts as insurer under insurer, which keeps cover and claims in house. | 9.6 |
Pick andsafe if, pick CosmosDirekt if
Pick andsafe if offer matter most.
Pick CosmosDirekt if premium from and claims channels matter most.
Where these facts come from
andsafe
- andsafe.de: 11 facts, checked September 29, 2026
CosmosDirekt
- cosmosdirekt.de: 12 facts, checked September 26, 2026
How they place
| Ranking | andsafe | CosmosDirekt |
|---|---|---|
| Car insurance | 4 of 393 | 6 of 393 |
| Home insurance | 3 of 272 | 5 of 272 |
| Travel insurance | 8 of 291 | 9 of 291 |
| Pet insurance | 3 of 161 | 5 of 161 |
Every fact side by side
| Fact | andsafe | CosmosDirekt |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | andsafe Aktiengesellschaft | Cosmos Versicherung Aktiengesellschaft |
| Headquarters | Germany | Germany |
| Founded | Not confirmed | 1950 |
| Support channels | Email, Chat, Phone, Help centreCovers more | Phone, Email, Help centre |
Where each stands against the rest
| Fact | andsafe | CosmosDirekt | Median |
|---|---|---|---|
| Premium from | €10.57above the median | €1.73lowest quarter | €5.97 |
| Excess from | €0below the median | Not confirmed | €70 |
Median across 109 listed insurance providers.
Pros and cons
andsafe
Pros
- Direct insurer cover across public liability, professional indemnity and property for liability and property risks in listed trades.
- Indemnity of €10,000,000 for business liability alongside private liability of 30 Mio. EUR.
- Excess terms at €0 on selected liability, with premiums run €10.57 for contents.
Cons
- Business cover centres on public liability, professional indemnity and property, while Hiscox also lists employers liability and cyber within public liability, professional indemnity and employers liability.
- Premiums run €10.57 for contents cover, which can look dear against lean entry offers elsewhere.
- Claims run through online, which may feel narrow if you prefer phone led claims handling.
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
andsafe
Who it suits
- Trade and service firms that want liability plus property under public liability, professional indemnity and property from a direct insurer.
- Households that also want auto, home, travel, pet or bicycle cover under auto, home and travel in the same place.
Who should look elsewhere
- Firms that need cyber or employers liability should compare Hiscox, since andsafe centres on public liability, professional indemnity and property.
- Shoppers that want broker choice across many carriers may prefer a marketplace over a direct insurer under insurer.
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 | andsafe | CosmosDirekt |
|---|---|---|
| Germany | Yes | Yes |
Questions about each
andsafe
What does andsafe charge for business cover?+
Premiums run €10.57 for contents cover, while excess terms sit at €0 on selected liability. The exact amount you pay depends on trade, turnover, limits and options chosen, so use the quote path to confirm your rate before purchase.
Which types of insurance does andsafe provide?+
Business cover spans public liability, professional indemnity and property, covering public liability, professional indemnity and property risks. Personal lines span auto, home and travel, namely auto, home, travel, pet and bicycle, so you can keep several everyday policies with the same provider.
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.
Other options to compare
Other matchups
- andsafe vs WorldTrips
- CosmosDirekt vs Income Insurance
- andsafe vs Kingpolis
- andsafe vs Laka
- andsafe vs Sundays Bike Insurance
- andsafe vs ALA Insurance
- andsafe vs Hiscox UK
- andsafe vs die Bayerische
- CosmosDirekt vs Principal
- CosmosDirekt vs Allianz Lebensversicherungs-AG
- CosmosDirekt vs Aviva
- CosmosDirekt vs Barmenia
- CosmosDirekt vs Guardian1821
- CosmosDirekt vs Allianz Assistance ES
- CosmosDirekt vs Groupama MRH
- andsafe vs KS Auxilia
- andsafe vs MyPhysicianPlan
- CosmosDirekt vs Polizza Vita con Bonus
- andsafe vs HanseMerkur Reiseversicherung AT
- CosmosDirekt vs Linxea
- andsafe vs Explorer Travel Insurance
- andsafe vs TravelSecure
- andsafe vs HelloSafe (Atlas)
- andsafe vs TIPINSURE
- andsafe vs Vuso UA
- CosmosDirekt vs MSIG Insurance (Thailand)
- andsafe vs Lemonade
- CosmosDirekt vs Compass
- andsafe vs Getsafe
- CosmosDirekt vs Acko
- andsafe vs WAS Insurance
- CosmosDirekt vs YouSet
- andsafe vs MoneyHero
- andsafe vs BizCover (Australia)
- andsafe vs Insify.fr
Related by the facts
- KS Auxilia, also regulated by Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
- Insurance providers with Auto
- Insurance providers available in Germany
- HanseMerkur Reiseversicherung AT, also regulated by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
- Insurance providers with Home
- Insurance providers with Travel