Updated September 28, 2026 · AssureCue Editorial Team
Compass vs CosmosDirekt
Where Compass and CosmosDirekt differ
| Compare |  Compass |  CosmosDirekt |
|---|---|---|
| Insurance types | Home, Home emergency, Health, Travel, Pet | Auto, Home, Life, Motorcycle, Travel, Pet, Landlord, Income protection |
| Provider type | Broker | Insurer |
| Claims channels | Phone, Email, Online portal, Post | Online, Phone |
| Age range | 18+ (resident in Italy) | up to 64 years |
| Premium from | Not confirmed | €1.73 |
| Cover limit | Not confirmed | up to 20,000 EUR per trip (single) / 40,000 EUR per trip (family) |
Same on both: Monthly payments (Yes).
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Key differences
- CosmosDirekt scores higher overall: 9.4 vs 9.2.
- Founded is lower at CosmosDirekt: 1950 vs 1960.
- Insurance types: only Compass offers Home emergency, Health.
- Insurance types: only CosmosDirekt offers Auto, Life, Motorcycle.
- Claims channels: only Compass offers Email, Online portal, Post.
- Claims channels: only CosmosDirekt offers Online.
Our verdict on each
Compass
Compass is a broker rather than an insurer, so it places home, health, travel and pet cover with providers instead of carrying the risk itself. It suits residents in Italy who want monthly payments and a single point of contact, and it has traded since 1960.
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 | Compass | CosmosDirekt |
|---|---|---|
| Cost | 9.1 | 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 | 9.3Higher | 9.1 |
| Trust | 9.2 | 9.6Higher |
Licences and countries
| Country | Compass | CosmosDirekt |
|---|---|---|
| Germany | Not confirmed |
Additional countries for Compass: 1. Additional countries for CosmosDirekt: 1.
Where these facts come from
Compass
- compass.it: 10 facts, checked September 26, 2026
CosmosDirekt
- cosmosdirekt.de: 12 facts, checked September 26, 2026
How they place
| Ranking | Compass | CosmosDirekt |
|---|---|---|
| Home insurance | 13 of 272 | 5 of 272 |
| Travel insurance | 19 of 291 | 9 of 291 |
| Pet insurance | 9 of 161 | 5 of 161 |
Every fact side by side
| Fact | Compass | CosmosDirekt |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Compass Banca S.p.A. | Cosmos Versicherung Aktiengesellschaft |
| Headquarters | Italy | Germany |
| Founded | 1960 | 1950Lower |
| Support channels | Phone, Email, Help centre | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Compass | CosmosDirekt | Median |
|---|---|---|---|
| Premium from | Not confirmed | €1.73lowest quarter | €5.97 |
Median across 109 listed insurance providers.
Pros and cons
Compass
Pros
- A single broker handles home, home emergency, health, travel and pet, listed under home, home emergency and health.
- Monthly payments are available, and monthly is the payment model, so the premium is spread across the year.
- Claims can be raised by phone, email, the online portal or post, as phone, email and online portal shows.
Cons
- The broker structure means the policy is underwritten elsewhere rather than by Compass, which is the limit of broker.
- General support runs on phone, email and help centre, while claims use the wider set in phone, email and online portal, so customers need to pick the right desk.
- Eligibility follows 18+ (resident in Italy), so the broker works with Italian residents rather than households spread across other markets.
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
Compass
Who it suits
- Adults resident in Italy who want home, health, travel and pet policies arranged through the same desk.
- Households that would rather spread the premium across the month, since monthly payments are available.
- People who want claims raised by phone, email, the online portal or post, as phone, email and online portal allows.
Who should look elsewhere
- Good Sam Insurance Agency, whose auto, home and renters adds life and motorcycle cover, suits people who want those lines alongside home and pet.
- Hiscox UK, listed for home, renters and landlord, is the pick for anyone focused on home, renters and landlord cover rather than a mixed personal policy.
- EuroAsia Insurance, listed for auto, home and travel, fits drivers and gadget owners better, while Compass concentrates on home, health, travel and pet.
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 | Compass | CosmosDirekt |
|---|---|---|
| Germany | No | Yes |
| Italy | Yes | No |
Questions about each
Compass
What kind of company is Compass?+
Compass is a broker, so it arranges cover with insurers rather than underwriting the policies itself. The name sits under Compass Banca S.p.A., based in Italy. Households deal with a single contact, and the policy is issued by the insurer chosen for each line of cover.
Can I pay monthly?+
Monthly payments are available on the policies Compass places, with monthly as the payment model. The premium is spread across the year instead of being asked for in a single payment, which suits households that budget month by month.
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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