Updated September 28, 2026 · AssureCue Editorial Team
Barmenia vs CosmosDirekt
Barmenia vs CosmosDirekt: the differences
| Compare |  Barmenia |  CosmosDirekt |
|---|---|---|
| Premium from | €2.40 | €1.73Lower |
| Insurance types | Auto, Home, Renters, Life, Health, Travel, Pet, Motorcycle, Dental, Critical illness, Income protection, Home emergency | Auto, Home, Life, Motorcycle, Travel, Pet, Landlord, Income protection |
| Cover limit | Unlimited annual maximum benefit (pet surgery cover) | up to 20,000 EUR per trip (single) / 40,000 EUR per trip (family) |
| Claims channels | Online claims form, Phone, Email, Customer portal | Online, Phone |
| Age range | Any age (dog surgery cover) | up to 64 years |
| Excess from | €250 | Not confirmed |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Founded is lower at Barmenia: 1904 vs 1950.
- Premium from is lower at CosmosDirekt: €1.73 vs €2.40.
- Insurance types: only Barmenia offers Renters, Health, Dental.
- Insurance types: only CosmosDirekt offers Landlord.
- Claims channels: only Barmenia offers Online claims form, Email, Customer portal.
- Claims channels: only CosmosDirekt offers Online.
Our verdict on each
Barmenia
Barmenia is a direct insurer founded in 1904, and it suits people who want motor, home, health and pet cover held on a single monthly policy rather than split across separate insurers. Claims can start by online claims form, phone and email, and pet surgery cover is open to Any age (dog surgery cover).
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 | Barmenia | CosmosDirekt |
|---|---|---|
| Cost | 9.0Premium starts at €2.40 against a site median of €8.37, ranking 55 of 252. | 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 | 9.6Higher | 9.1 |
| Trust | 9.7Higher | 9.6 |
Availability and regulation
| Country | Barmenia | CosmosDirekt |
|---|---|---|
| Germany | Not confirmed |
Available in 1 country for both.
Pick Barmenia if, pick CosmosDirekt if
Pick Barmenia if offer matter most.
Pick CosmosDirekt if cost and premium from matter most.
A third option
HanseMerkur Reiseversicherung AT has premium from at €1.50, against €2.40 for Barmenia and €1.73 for CosmosDirekt.
HanseMerkur Reiseversicherung AT reviewSources behind this comparison
Barmenia
- barmenia.de: 13 facts, checked September 26, 2026
CosmosDirekt
- cosmosdirekt.de: 12 facts, checked September 26, 2026
How they place
| Ranking | Barmenia | CosmosDirekt |
|---|---|---|
| Car insurance | 67 of 393 | 6 of 393 |
| Home insurance | 51 of 272 | 5 of 272 |
| Life insurance | 45 of 261 | 4 of 261 |
| Travel insurance | 76 of 291 | 9 of 291 |
| Pet insurance | 36 of 161 | 5 of 161 |
| Motorbike insurance | 26 of 120 | 3 of 120 |
| Income protection insurance | 12 of 92 | 1 of 92 |
Every fact side by side
| Fact | Barmenia | CosmosDirekt |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Barmenia Versicherungen a. G. | Cosmos Versicherung Aktiengesellschaft |
| Headquarters | Germany | Germany |
| Founded | 1904Lower | 1950 |
| Support channels | Phone, Email, Help centre | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Barmenia | CosmosDirekt | Median |
|---|---|---|---|
| Premium from | €2.40lowest quarter | €1.73lowest quarter | €5.97 |
| Excess from | €250highest quarter | Not confirmed | €70 |
Median across 109 listed insurance providers.
Pros and cons
Barmenia
Pros
- A single insurer holds auto, home and renters plus home emergency cover, so several personal lines sit with one provider.
- Monthly payments are available and monthly is the listed payment model, which spreads the cost across the year.
- Claims can be started by online claims form, phone and email, so a customer portal sits alongside phone and email.
Cons
- The pet surgery excess starts at €250, so part of a claim bill still comes out of the household's pocket.
- Gadget, landlord and breakdown cover are not among its insurance types (auto, home and renters), so those risks sit with another provider.
- General queries run on phone, email and help centre, and live chat is not among them.
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
Barmenia
Who it suits
- Households wanting motor, home, health and pet cover arranged by a single direct insurer.
- Owners of older dogs, since Any age (dog surgery cover) applies to the surgery cover.
- People who prefer monthly payments over settling a premium in one go.
Who should look elsewhere
- Buyers after a narrow line rather than a bundle: Good Sam Insurance Agency lists auto, home and renters and leaves out dental, critical illness and income protection.
- Anyone quoting in a different market: Euroasia Insurance starts at UZS 60,000, priced in another currency from Barmenia's home market of DE.
- Customers wanting a mobile banking account instead of general insurance: bunq quotes €0 for an account, not for auto, home and renters cover.
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 | Barmenia | CosmosDirekt |
|---|---|---|
| Germany | Yes | Yes |
Questions about each
Barmenia
How much does cover cost?+
The starting premium is €2.40, which sits below the €8.37 median across the site and places Barmenia at 55 of 252 on that measure. Pet surgery cover also carries an excess starting at €250.
Is there an excess to pay on pet cover?+
On pet surgery cover the excess starts at €250, so at least that much comes off a claim before the balance is paid. Owners with frequent small veterinary bills will feel that contribution more than those making a single large claim.
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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