Updated September 28, 2026 · AssureCue Editorial Team
CHECK24 vs CosmosDirekt
What sets them apart
| Compare |  CHECK24 |  CosmosDirekt |
|---|---|---|
| Premium from | €0.69Lower | €1.73 |
| Insurance types | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income protection, Gadget | Auto, Home, Life, Motorcycle, Travel, Pet, Landlord, Income protection |
| Provider type | Comparison site | Insurer |
| Cover limit | EUR 5 million to EUR 50 million, recommended at least EUR 10 million | up to 20,000 EUR per trip (single) / 40,000 EUR per trip (family) |
| Claims channels | CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post | Online, Phone |
| Monthly payments | Not confirmed | Yes |
| Age range | Not confirmed | up to 64 years |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- CosmosDirekt scores higher overall: 9.4 vs 9.3.
- Founded is lower at CosmosDirekt: 1950 vs 1999.
- CHECK24 is available in 2 more countries.
- Premium from is lower at CHECK24: €0.69 vs €1.73.
- Insurance types: only CHECK24 offers Health, Dental, Gadget.
- Insurance types: only CosmosDirekt offers Landlord.
- Claims channels: only CHECK24 offers CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post.
- Claims channels: only CosmosDirekt offers Online, Phone.
- Support channels: only CHECK24 offers Chat.
Our verdict on each
CHECK24
CHECK24 suits people who would rather compare several insurers in one place than settle with a single provider, and it has worked as a comparison site since 1999. The trade-off is that the policy belongs to whichever insurer you pick, so the gain comes from the choice rather than from the site itself.
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 | CHECK24 | CosmosDirekt |
|---|---|---|
| Cost | 9.8HigherEntry premium €0.69 sits well under the site median of €8.37, though monthly payments decide the total. | 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 | 9.6Higher | 9.1 |
| Trust | 8.6 | 9.6Higher |
How they place
| Ranking | CHECK24 | CosmosDirekt |
|---|---|---|
| Car insurance | 9 of 393 | 6 of 393 |
| Home insurance | 8 of 272 | 5 of 272 |
| Life insurance | 7 of 261 | 4 of 261 |
| Travel insurance | 13 of 291 | 9 of 291 |
| Pet insurance | 7 of 161 | 5 of 161 |
| Motorbike insurance | 6 of 120 | 3 of 120 |
| Income protection insurance | 3 of 92 | 1 of 92 |
Side by side, item by item
| Insurance types | CHECK24 | CosmosDirekt |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Life | Yes | Yes |
| Health | Yes | No |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Motorcycle | Yes | Yes |
| Landlord | No | Yes |
| Dental | Yes | No |
| Income protection | Yes | Yes |
| Gadget | Yes | No |
A third option
IATI Seguros Portugal has premium from at €0.58, against €0.69 for CHECK24 and €1.73 for CosmosDirekt.
IATI Seguros Portugal reviewWhere these facts come from
CHECK24
- check24.de: 10 facts, checked September 26, 2026
CosmosDirekt
- cosmosdirekt.de: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | CHECK24 | CosmosDirekt |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | CHECK24 Vergleichsportal GmbH | Cosmos Versicherung Aktiengesellschaft |
| Headquarters | Germany | Germany |
| Founded | 1999 | 1950Lower |
| Support channels | Chat, Email, Phone, Help centreCovers more | Phone, Email, Help centre |
Where each stands against the rest
| Fact | CHECK24 | CosmosDirekt | Median |
|---|---|---|---|
| Premium from | €0.69lowest quarter | €1.73lowest quarter | €5.97 |
Median across 109 listed insurance providers.
Pros and cons
CHECK24
Pros
- One account reaches auto, home and life, so several kinds of cover can be arranged in the same place.
- Monthly payments are the model on offer, monthly, which spreads a policy charge month by month.
- Support runs on chat, email and phone, so a question can go by chat, email, phone or the help centre.
Cons
- comparison site places CHECK24 outside underwriting, so the cover limit, the wording and the payout are set by the insurer you choose.
- The claim route follows the insurer too: CHECK24 Versicherungscenter online claim form, insurer online claim form and post means the form sits with the site's insurance centre, with the insurer, or goes by post.
- Monthly payments are the only model listed, monthly, so nothing annual is shown beside the monthly figure.
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
CHECK24
Who it suits
- People arranging several kinds of cover, since one account reaches auto, home and life.
- Shoppers who want a policy charge spread month by month: monthly.
- Applicants in Germany, where the site is based: DE.
Who should look elsewhere
- Buyers who want one insurer's own cover rather than a comparison: Good Sam Insurance Agency sets out auto, home and renters from a single provider.
- People who want a quote from a single market rather than a German comparison: EuroAsia Insurance lists UZS 60,000, drawn from a different market to DE.
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 | CHECK24 | CosmosDirekt |
|---|---|---|
| Austria | Yes | No |
| Spain | Yes | No |
| Germany | Yes | Yes |
Questions about each
CHECK24
What does cover cost through CHECK24?+
For private liability cover on monthly payments, the entry premium is €0.69. The model is monthly, so a policy is carried month by month rather than settled in one payment, and the monthly figure is the number to weigh when comparing insurers. The exact premium follows the insurer and the cover you select.
Is CHECK24 an insurer?+
CHECK24 is a comparison site rather than an insurer, and the site is operated by CHECK24 Vergleichsportal GmbH. The policy you take out is underwritten and settled by the insurer you choose from the comparison, which is why the cover limit and the claim route both point to that insurer rather than to the site.
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
- CHECK24 vs Income Insurance
- CHECK24 vs WorldTrips
- CHECK24 vs die Bayerische
- CHECK24 vs Principal
- CHECK24 vs ARAG
- CHECK24 vs Allianz Lebensversicherungs-AG
- CHECK24 vs Aviva
- CHECK24 vs Barmenia
- CHECK24 vs Guardian1821
- CosmosDirekt vs Hiscox UK
- CosmosDirekt vs Allianz Assistance ES
- CosmosDirekt vs Groupama MRH
- CHECK24 vs KS Auxilia
- CHECK24 vs MyPhysicianPlan
- CosmosDirekt vs Polizza Vita con Bonus
- CHECK24 vs HanseMerkur Reiseversicherung AT
- CHECK24 vs HanseMerkur
- CHECK24 vs Linxea
- CosmosDirekt vs Explorer Travel Insurance
- CHECK24 vs HelloSafe (Atlas)
- CHECK24 vs MSIG Insurance (Thailand)
- CHECK24 vs TIPINSURE
- CHECK24 vs Vuso UA
- CHECK24 vs Lemonade
- CosmosDirekt vs Compass
- CHECK24 vs Acko
- CHECK24 vs DirectAsia
- CHECK24 vs YouSet
- CHECK24 vs WAS Insurance
- CosmosDirekt vs MoneyHero