Updated October 17, 2026 · AssureCue Editorial Team
CosmosDirekt vs DA Direkt
Where CosmosDirekt and DA Direkt differ
| Compare |  CosmosDirekt |  DA Direkt |
|---|---|---|
| Premium from | €1.73Lower | €6.90 |
| Insurance types | Auto, Home, Life, Motorcycle, Travel, Pet, Landlord, Income protection | Auto, Motorcycle, Dental, Health, Pet, Home |
| Cover limit | up to 20,000 EUR per trip (single) / 40,000 EUR per trip (family) | Dental tariff scale: max EUR 6,000 in first 4 years (Premium Plus), unlimited from year 5 |
| Claims channels | Online, Phone | Online portal, Phone, Email, Chat |
| Age range | up to 64 years | Not confirmed |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- DA Direkt scores higher overall: 9.5 vs 9.4.
- Founded is lower at DA Direkt: 1923 vs 1950.
- Premium from is lower at CosmosDirekt: €1.73 vs €6.90.
- Insurance types: only CosmosDirekt offers Life, Travel, Landlord.
- Insurance types: only DA Direkt offers Dental, Health.
- Claims channels: only CosmosDirekt offers Online.
- Claims channels: only DA Direkt offers Online portal, Email, Chat.
- Support channels: only DA Direkt offers Chat.
Our verdict on each
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.
DA Direkt
DA Direkt is a German online insurer offering several product lines. The captured material gives the clearest detail on its dental supplementary insurance, including three named tiers, reimbursement categories and network dentist features. Terms and eligibility still depend on the selected tariff and policy documents.
Score breakdown
| Area | CosmosDirekt | DA Direkt |
|---|---|---|
| Cost | 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. | 9.1 |
| Offer | 9.1 | 9.6Higher |
| Trust | 9.6 | 9.6 |
Licences and countries
| Country | CosmosDirekt | DA Direkt |
|---|---|---|
| Germany |
Available in 1 country for both.
Feature by feature
| Insurance types | CosmosDirekt | DA Direkt |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Life | Yes | No |
| Health | No | Yes |
| Travel | Yes | No |
| Pet | Yes | Yes |
| Motorcycle | Yes | Yes |
| Landlord | Yes | No |
| Dental | No | Yes |
| Income protection | Yes | No |
How they place
| Ranking | CosmosDirekt | DA Direkt |
|---|---|---|
| Car insurance | 6 of 375 | 5 of 375 |
| Home insurance | 5 of 273 | 4 of 273 |
| Pet insurance | 5 of 167 | 4 of 167 |
| Motorbike insurance | 3 of 120 | 2 of 120 |
Every fact side by side
| Fact | CosmosDirekt | DA Direkt |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Cosmos Versicherung Aktiengesellschaft | DA Deutsche Allgemeine Versicherung Aktiengesellschaft (Amtsgericht Frankfurt am Main HRB 112118) |
| Headquarters | Germany | Germany |
| Founded | 1950 | 1923Lower |
| Support channels | Phone, Email, Help centre | Email, Chat, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | CosmosDirekt | DA Direkt | Median |
|---|---|---|---|
| Premium from | €1.73lowest quarter | €6.90above the median | €6.02 |
Median across 116 listed insurance providers.
Pros and cons
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.
DA Direkt
Pros
- The dental page sets out Komfort, Premium and Premium Plus tariff choices.
- The page describes covered treatment categories and annual dental cleaning allowances.
Cons
- Reimbursement and limits vary by tariff, so the headline maximum is not a universal payout.
- The available capture does not provide every policy exclusion or a personalized premium quote.
Who each suits
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.
DA Direkt
Who it suits
- People in Germany who want to compare supplementary dental insurance options.
Who should look elsewhere
- People who need a full policy recommendation without checking their existing statutory cover and policy terms.
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
DA Direkt
Current offer
Discount code
15% discount on car, e-car and motorcycle insurance: 15% Rabatt
Displayed on the DA Direkt homepage as an ongoing offer for Autoversicherung, Elektroauto-Versicherung and Motorradversicherung
Source, checked September 26, 2026
Country by country
| Country | CosmosDirekt | DA Direkt |
|---|---|---|
| Germany | Yes | Yes |
Questions about each
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.
DA Direkt
What dental options does DA Direkt show?+
The captured product page lists Komfort, Premium and Premium Plus.
Are all dental costs reimbursed in full?+
The page advertises up to full reimbursement depending on tariff, but coverage depends on the treatment and policy conditions.
Other options to compare
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Related by the facts
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