CosmosDirekt review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

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.

Key facts

Best for
A single insurer for monthly policies across many lines of personal cover, with premiums from €1.73.
Premium from
€1.73 (Source, checked September 26, 2026)
Insurance types
Auto, Home, Life, Motorcycle, Travel, Pet, Landlord, Income-protection (Source, checked September 26, 2026)
Provider type
Insurer (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Cover limit
up to 20,000 EUR per trip (single) / 40,000 EUR per trip (family) (Source, checked September 26, 2026)
Claims channels
Online, Phone (Source, checked September 26, 2026)
Age range
up to 64 years (Source, checked September 26, 2026)
Legal entity
Cosmos Versicherung Aktiengesellschaft (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
1950 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Monthly
Official website
cosmosdirekt.de

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataLinkedInXTrustpilotxing.com

Pros and cons

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.
  • Claims can be filed online or by phone, online and phone, and support runs on phone, email and help centre.
  • Traded since 1950 in DE under BaFin supervision, which gives a long operating record to weigh.

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.
  • The travel policy stops at up to 64 years, leaving older travellers outside that cover.
CosmosDirekt

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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.

Who regulates the provider

CosmosDirekt is the insurer itself, listed as insurer, rather than a broker or a comparison site. The regulator named for it is the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), registered in Germany. That structure matters for the money side of a policy: the company taking the premium is the company carrying the claim, so the contract stays inside a single regulated insurer.

Cover and limits

Cover runs across auto, home and life, so motor, home, life, motorcycle, travel, pet, landlord and income protection all come from the same provider. The travel cancellation policy sets a cover limit per trip, quoted separately for a single traveller and for a family, in euros. Entry ages run to up to 64 years, which leaves older travellers outside that product.

How your money is protected

Because CosmosDirekt is an insurer, insurer, the premium goes to the company that carries the risk and that same company pays the claim, so no broker or comparison layer sits between the two. Supervision sits with the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) in Germany. For a premium collected month after month, that structure is the part worth understanding first.

Price signals

The entry premium is €1.73, and that figure belongs to a monthly policy, since monthly payments are available. The cost is therefore spread across the year instead of being settled in a single sum, which suits a reader who budgets monthly. Read €1.73 as the floor of the entry tier for a single line, not as a price for a whole household.

The company behind it

The contract is with Cosmos Versicherung Aktiengesellschaft, a company based in Germany that has traded since 1950. Support runs on phone, email and help centre: a phone line, an email address and a help centre for wording and documents. A long trading history and a single named legal entity behind every policy make it easier to see who owes money when a claim settles.

How CosmosDirekt compares

Where CosmosDirekt is available

Available
Germany
Licence in Germany
Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

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.

Who regulates CosmosDirekt?+

CosmosDirekt is an insurer, listed as insurer, and the regulator named for it is the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) in Germany. Because the company sells the policy itself, the premium, the contract and the payout all sit with the same regulated insurer rather than a broker passing the risk along.

What kinds of insurance can I buy from it?+

The range covers auto, home and life, so motor, home, life, motorcycle, travel, pet, landlord and income protection all come from the same provider. Good Sam Insurance Agency runs wider with auto, home and renters, which adds renters and health to the motor and home lines.

How do I report a claim if a trip falls through?+

Claims are filed online or by phone, listed as online and phone, so a cancellation can be reported without posting paperwork. The travel cover limit is quoted per trip, once for a single traveller and once for a family, in euros, and entry ages run to up to 64 years.

What support do I get after buying a policy?+

Support runs on phone, email and help centre: a phone line, an email address and a help centre. That list carries no chat line or community forum in it, so a quick question goes by email or phone. The insurer behind the policy is Cosmos Versicherung Aktiengesellschaft, based in Germany and trading since 1950.

How does its price compare with the alternatives here?+

CosmosDirekt's entry figure of €1.73 sits between bunq at €0 and EuroAsia Insurance at UZS 60,000, though the last is quoted in another currency. The cost score on this page reads 8.2, and €1.73 ranks 44 of 252 brands on the same measure.

Who is CosmosDirekt a good fit for?+

It suits a reader who wants the insurer itself rather than a broker, wants to pay monthly, and wants motor, home, travel, pet and landlord cover from a company trading since 1950 in Germany. It suits a reader less if health or renters cover matters, or if a traveller older than up to 64 years needs cover.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

CosmosDirekt

CosmosDirekt

A single insurer for monthly policies across many lines of personal cover, with premiums from €1.73.

9.4/10Visit

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