Updated September 28, 2026 · AssureCue Editorial Team
CosmosDirekt vs ERGO Group Deutschland
CosmosDirekt vs ERGO Group Deutschland: the differences
| Compare |  CosmosDirekt |  ERGO Group Deutschland |
|---|---|---|
| Premium from | €1.73Lower | €3.90 |
| Insurance types | Auto, Home, Life, Motorcycle, Travel, Pet, Landlord, Income protection | Auto, Home, Life, Health, Travel, Motorcycle, Dental, Income protection |
| Cover limit | up to 20,000 EUR per trip (single) / 40,000 EUR per trip (family) | 31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg) |
| Age range | up to 64 years | Under 36 (13% start bonus for young people) |
Same on both: Provider type (Insurer), Monthly payments (Yes), Claims channels (Online, Phone).
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Key differences
- Premium from is lower at CosmosDirekt: €1.73 vs €3.90.
- Insurance types: only CosmosDirekt offers Pet, Landlord.
- Insurance types: only ERGO Group Deutschland offers Health, Dental.
- Support channels: only CosmosDirekt offers Help centre.
- Support channels: only ERGO Group Deutschland 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.
ERGO Group Deutschland
ERGO Group Deutschland suits people who want one insurer for home, car and health cover, with premiums starting at €3.90 on a home policy. The support mix and monthly payment option make the account easy to run, and the price sits below the site median of €8.37.
Score breakdown
| Area | CosmosDirekt | ERGO Group Deutschland |
|---|---|---|
| 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. | 9.3Premiums start at €3.90 on the Smart home policy, under the site median of €8.37, with monthly payments available. |
| Offer | 9.1 | 9.1 |
| Trust | 9.6 | 9.6 |
Licences and countries
| Country | CosmosDirekt | ERGO Group Deutschland |
|---|---|---|
| Germany |
Available in 1 country for both.
Sources behind this comparison
CosmosDirekt
- cosmosdirekt.de: 12 facts, checked September 26, 2026
ERGO Group Deutschland
- ergo.de: 10 facts, checked September 26, 2026
- ergo.com: 1 fact, checked September 26, 2026
How they place
| Ranking | CosmosDirekt | ERGO Group Deutschland |
|---|---|---|
| Car insurance | 6 of 393 | 7 of 393 |
| Home insurance | 5 of 272 | 6 of 272 |
| Life insurance | 4 of 261 | 5 of 261 |
| Travel insurance | 9 of 291 | 10 of 291 |
| Motorbike insurance | 3 of 120 | 4 of 120 |
| Income protection insurance | 1 of 92 | 2 of 92 |
Every fact side by side
| Fact | CosmosDirekt | ERGO Group Deutschland |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Cosmos Versicherung Aktiengesellschaft | ERGO Group AG |
| Headquarters | Germany | Germany |
| Founded | 1950 | Not confirmed |
| Support channels | Phone, Email, Help centre | Email, Chat, Phone |
Business insurance
| Fact | CosmosDirekt | ERGO Group Deutschland |
|---|---|---|
| Cover types | Not confirmed | Public liability, Cyber, Property |
Where each stands against the rest
| Fact | CosmosDirekt | ERGO Group Deutschland | Median |
|---|---|---|---|
| Premium from | €1.73lowest quarter | €3.90below the median | €5.97 |
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.
ERGO Group Deutschland
Pros
- Premiums start at €3.90 on the Smart home policy, below the site median of €8.37
- Monthly payments are available, so the cost spreads across the year rather than landing in one bill
- Support runs on email, chat and phone, so you can reach a person on chat, email or phone
Cons
- The starting premium of €3.90 belongs to the Smart home policy for a small flat, so it reads as an entry point rather than a price for a larger home
- The age band shown is Under 36 (13% start bonus for young people), so the starting price applies to a narrower group
- Support runs on email, chat and phone only, with no branch or broker option listed
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.
ERGO Group Deutschland
Who it suits
- Households in Germany who want home, car, health, life, travel, motorbike, dental and income protection from one insurer
- Renters or flat owners who want monthly payments instead of a single annual bill
- Small businesses that need public liability, cyber or property cover alongside personal lines
Who should look elsewhere
- Shoppers whose main need is professional or employers liability, since business cover is limited to public liability, cyber and property
- People wanting pet or renters insurance, as neither appears in auto, home and life
- Anyone who wants branch or in person service, since support runs on email, chat and phone only
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
ERGO Group Deutschland
Current offer
Bonus
13% start bonus for young people on ERGO Hausratversicherung: 13%
Granted while the policyholder has not yet reached age 36; applied automatically
Source, checked September 26, 2026
Country by country
| Country | CosmosDirekt | ERGO Group Deutschland |
|---|---|---|
| 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.
ERGO Group Deutschland
What does ERGO Group Deutschland cost to start with?+
The published entry price is €3.90, attached to the Smart home policy. The site median for this field is €8.37, and the lower quartile is €2.92, so the starting figure sits in the cheaper part of the market range. It applies to that one home product rather than every policy.
Can I pay monthly instead of in one payment?+
Yes. Monthly payments are available, so the premium can be spread over the year rather than paid as a single sum. That is the payment model listed for this insurer, and it is the norm across the site, where 88.9% is the share of brands offering it.
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