Updated September 28, 2026 · AssureCue Editorial Team
CosmosDirekt vs die Bayerische
Where CosmosDirekt and die Bayerische differ
| Compare |  CosmosDirekt |  die Bayerische |
|---|---|---|
| Premium from | €1.73Lower | €2.09 |
| Insurance types | Auto, Home, Life, Motorcycle, Travel, Pet, Landlord, Income protection | Auto, Home, Motorcycle, Life, Health, Dental, Travel, Pet, Income protection, Gadget |
| Cover limit | up to 20,000 EUR per trip (single) / 40,000 EUR per trip (family) | 100 million EUR (E-Scooter-Versicherung) |
| Claims channels | Online, Phone | Online, Post, PhoneCovers more |
| Excess from | Not confirmed | €0 to €35 |
| Age range | up to 64 years | Not confirmed |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- die Bayerische scores higher overall: 9.6 vs 9.4.
- Founded is lower at die Bayerische: 1858 vs 1950.
- Premium from is lower at CosmosDirekt: €1.73 vs €2.09.
- Insurance types: only CosmosDirekt offers Landlord.
- Insurance types: only die Bayerische offers Health, Dental, Gadget.
- Claims channels: only die Bayerische offers Post.
- Support channels: only die Bayerische 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.
die Bayerische
die Bayerische is a German insurer writing business since 1858, and it suits people who want personal lines and business cover from one underwriter. It scores 8 overall, with premiums starting at €2.09 on the mobile phone liability line and monthly payments available.
Score breakdown
| Area | CosmosDirekt | die Bayerische |
|---|---|---|
| Cost | 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. | 9.4Entry premium €2.09 sits below the site median, €8.37, and below the lower quartile, €2.92. |
| Offer | 9.1 | 9.6Higher |
| Trust | 9.6 | 9.7Higher |
Feature by feature
| Insurance types | CosmosDirekt | die Bayerische |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Life | Yes | Yes |
| Health | No | Yes |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Motorcycle | Yes | Yes |
| Landlord | Yes | No |
| Dental | No | Yes |
| Income protection | Yes | Yes |
| Gadget | No | Yes |
How they place
| Ranking | CosmosDirekt | die Bayerische |
|---|---|---|
| Car insurance | 6 of 393 | 50 of 393 |
| Home insurance | 5 of 272 | 34 of 272 |
| Life insurance | 4 of 261 | 29 of 261 |
| Travel insurance | 9 of 291 | 64 of 291 |
| Pet insurance | 5 of 161 | 27 of 161 |
| Motorbike insurance | 3 of 120 | 19 of 120 |
| Income protection insurance | 1 of 92 | 5 of 92 |
Every fact side by side
| Fact | CosmosDirekt | die Bayerische |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Cosmos Versicherung Aktiengesellschaft | BY die Bayerische Vorsorge Lebensversicherung a.G. |
| Headquarters | Germany | Germany |
| Founded | 1950 | 1858Lower |
| Support channels | Phone, Email, Help centre | Phone, Email, Chat, Help centreCovers more |
Business insurance
| Fact | CosmosDirekt | die Bayerische |
|---|---|---|
| Cover types | Not confirmed | Public liability, Property |
| Industries | Not confirmed | Retail, construction, cleaning, hospitality and health professions |
Where each stands against the rest
| Fact | CosmosDirekt | die Bayerische | Median |
|---|---|---|---|
| Premium from | €1.73lowest quarter | €2.09lowest quarter | €5.97 |
| Excess from | Not confirmed | €0 to €35below the median | €70 |
Median across 109 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.
die Bayerische
Pros
- Premiums start at €2.09 on the mobile phone liability line, and the excess on that same line runs €0 to €35, so a small loss can cost nothing to settle.
- die Bayerische underwrites the risk itself as insurer, writing auto, home and motorcycle for households and public liability and property for businesses, so cover and claims stay with one company.
- Monthly payments are available, so a premium is spread across the year rather than paid in one sum.
Cons
- The entry premium and the cover limit come from different products: €2.09 is quoted for the mobile phone line, while 100 million EUR (E-Scooter-Versicherung) applies to e-scooter cover, so neither figure describes a motor or home policy.
- Renters cover is missing from auto, home and motorcycle, whereas Good Sam Insurance Agency includes it in auto, home and renters.
- Business cover is limited to public liability and property, a narrower set than the market, where professional indemnity alone is offered by 63.5% of the brands on the site.
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.
die Bayerische
Who it suits
- Households that want dental, health and income protection from the same insurer as their motor and home cover, since auto, home and motorcycle lists all of them.
- Small trades in sectors such as shops, building work, cleaning services, hospitality venues and health practices, the industries die Bayerische names for its public liability and property.
- People who prefer spreading a premium across the year, since monthly payments are available here.
Who should look elsewhere
- Renters who want contents cover, since Good Sam Insurance Agency lists renters in auto, home and renters and die Bayerische does not.
- Shoppers chasing a free starting price elsewhere, since bunq lists €0 against the €2.09 entry premium quoted here.
- Readers comparing a single market, since EuroAsia Insurance quotes from UZS 60,000 in a different currency and the two figures do not line up.
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
die Bayerische
Current offer
Bonus
Happybrush voucher or toothbrush with Zahnzusatzversicherung: Voucher or Happybrush toothbrush
On conclusion of a Zahnzusatzversicherung, depending on the tariff chosen
Source, checked September 26, 2026
Country by country
| Country | CosmosDirekt | die Bayerische |
|---|---|---|
| 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.
die Bayerische
What is the lowest premium at die Bayerische?+
The lowest premium listed is €2.09, quoted for the mobile phone liability cover, and the excess on that same line runs €0 to €35. That entry figure places die Bayerische at 50 of 252 brands ranked on the site's premium measure.
Can I pay monthly rather than in one payment?+
Monthly payments are available, and monthly payment is the only model die Bayerische lists, monthly. The monthly amount itself is set in the policy wording for the line you choose, so the entry premium quoted on the site is a starting point rather than a figure for every product.
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