Updated September 28, 2026 · AssureCue Editorial Team
Aviva vs CosmosDirekt
What sets them apart
| Compare |  Aviva |  CosmosDirekt |
|---|---|---|
| Premium from | £5 | €1.73 |
| Insurance types | Auto, Home, Renters, Landlord, Life, Critical illness, Income protection, Health, Travel, Pet, Van, Breakdown | Auto, Home, Life, Motorcycle, Travel, Pet, Landlord, Income protection |
| Claims channels | Online, App, PhoneCovers more | Online, Phone |
| Age range | 18-77 | up to 64 years |
| Cover limit | Not confirmed | up to 20,000 EUR per trip (single) / 40,000 EUR per trip (family) |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Insurance types: only Aviva offers Renters, Critical illness, Health.
- Insurance types: only CosmosDirekt offers Motorcycle.
- Claims channels: only Aviva offers App.
- Support channels: only Aviva offers Chat.
- Support channels: only CosmosDirekt offers Email.
Our verdict on each
Aviva
Aviva suits people who want one regulated insurer for the whole family, from car and home to life and critical illness cover. Life premiums start at £5 a month, a low entry point, and the account is overseen by the Financial Conduct Authority and the Prudential Regulation Authority.
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 | Aviva | CosmosDirekt |
|---|---|---|
| Cost | 9.1Life premiums start at £5, below the site median of €8.37, and monthly payments are available. | 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 | 9.4Higher | 9.1 |
| Trust | 9.6 | 9.6 |
Side by side, item by item
| Insurance types | Aviva | CosmosDirekt |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | Yes | No |
| Life | Yes | Yes |
| Health | Yes | No |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Motorcycle | No | Yes |
| Van | Yes | No |
| Breakdown | Yes | No |
| Landlord | Yes | Yes |
| Critical illness | Yes | No |
| Income protection | Yes | Yes |
Which one suits you
Pick Aviva if offer and claims channels matter most.
Pick CosmosDirekt if cost matter most.
Where each is licensed and available
| Country | Aviva | CosmosDirekt |
|---|---|---|
| Germany | Not confirmed | |
| United Kingdom | Financial Conduct Authority 308139 | Not confirmed |
Additional countries for Aviva: 1. Additional countries for CosmosDirekt: 1.
Sources behind this comparison
Aviva
- aviva.co.uk: 11 facts, checked September 26, 2026
CosmosDirekt
- cosmosdirekt.de: 12 facts, checked September 26, 2026
How they place
| Ranking | Aviva | CosmosDirekt |
|---|---|---|
| Car insurance | 64 of 393 | 6 of 393 |
| Home insurance | 48 of 272 | 5 of 272 |
| Life insurance | 42 of 261 | 4 of 261 |
| Travel insurance | 75 of 291 | 9 of 291 |
| Pet insurance | 35 of 161 | 5 of 161 |
| Landlord insurance | 8 of 55 | 2 of 55 |
| Income protection insurance | 11 of 92 | 1 of 92 |
Every fact side by side
| Fact | Aviva | CosmosDirekt |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | Aviva plc | Cosmos Versicherung Aktiengesellschaft |
| Headquarters | United Kingdom | Germany |
| Founded | Not confirmed | 1950 |
| Support channels | Phone, Chat, Help centre | Phone, Email, Help centre |
Business insurance
| Fact | Aviva | CosmosDirekt |
|---|---|---|
| Cover types | Employers liability, Professional indemnity, Public liability | Not confirmed |
| Industries | vehicles, vans, rental property | Not confirmed |
Pros and cons
Aviva
Pros
- One insurer covers auto, home and renters
- Life premiums start at £5, under the site median of €8.37
- Aviva is an insurer, so it carries the risk itself
Cons
- £5 is an entry figure on life cover
- monthly lists monthly as the only model
- Support runs on phone, chat and help centre only
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
Aviva
Who it suits
- Families wanting car, home, renters, landlord, life, health, travel, pet, van and breakdown cover from one regulated insurer
- Older policyholders looking for life cover from an insurer listing seniors as an audience
- Landlords and vehicle businesses needing employers liability, professional indemnity and public liability
Who should look elsewhere
- Anyone wanting annual billing, since monthly lists monthly as the only model
- Readers wanting motorcycle or dental cover, neither of which appears in auto, home and renters
- Businesses needing cyber or property cover, as employers liability, professional indemnity and public liability covers only three lines
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
Aviva
Current offer
Bonus
Amazon.co.uk gift card reward for Life Insurance Plan: Amazon.co.uk gift card worth GBP 50 to GBP 200
Apply for a Life Insurance Plan by 9 November 2026; claim after paying six monthly premiums; max one reward per person and per policy; GBP 50 for monthly premium GBP 5-9.99, GBP 80 for GBP 10-19.99, GBP 140 for GBP 20-29.99, GBP 200 for GBP 30 or more; limited time offer, restrictions apply, may be withdrawn
Source, checked September 26, 2026
First period offer
Free life insurance when buying a home: up to 90 days free life insurance
Applies when buying a home; terms apply, see policy conditions for full details
Source, checked September 26, 2026
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 | Aviva | CosmosDirekt |
|---|---|---|
| Germany | No | Yes |
| United Kingdom | Yes | No |
Questions about each
Aviva
How much does Aviva cost as a starting point?+
Life insurance premiums start at £5. That figure sits below the site median of €8.37, where the market runs from €2.92 to €29.72. Motor, home and health cover are quoted separately rather than from this headline number.
Can I pay Aviva premiums monthly?+
Monthly payments are available and monthly lists monthly as the arrangement. That is the only model on record, so readers who prefer to settle a policy in one payment each year will not find that option here. Instalments can make a policy easier to start, though the total paid over the term is worth checking.
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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Related by the facts
- Explorer Travel Insurance, also regulated by Financial Conduct Authority
- Insurance providers with Auto
- Insurance providers available in United Kingdom
- HanseMerkur Reiseversicherung AT, also regulated by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
- Insurance providers with Home
- Insurance providers available in Germany