Updated September 28, 2026 · AssureCue Editorial Team
CosmosDirekt vs Getsafe
Where CosmosDirekt and Getsafe differ
| Compare |  CosmosDirekt |  Getsafe |
|---|---|---|
| Premium from | €1.73Lower | €2.90 |
| Insurance types | Auto, Home, Life, Motorcycle, Travel, Pet, Landlord, Income protection | Home, Dental, Life, Health, Travel, Pet, Income protection |
| Provider type | Insurer | Broker |
| Cover limit | up to 20,000 EUR per trip (single) / 40,000 EUR per trip (family) | Up to 4x the official German vet fee rate |
| Claims channels | Online, Phone | App, Phone, Chat |
| Excess from | Not confirmed | €0 |
| Age range | up to 64 years | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- CosmosDirekt scores higher overall: 9.4 vs 9.1.
- Founded is lower at CosmosDirekt: 1950 vs 2015.
- Getsafe is available in 1 more country.
- Premium from is lower at CosmosDirekt: €1.73 vs €2.90.
- Insurance types: only CosmosDirekt offers Auto, Motorcycle, Landlord.
- Insurance types: only Getsafe offers Dental, Health.
- Claims channels: only CosmosDirekt offers Online.
- Claims channels: only Getsafe offers App, Chat.
- Support channels: only Getsafe 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.
Getsafe
Getsafe suits people in Germany who want one broker for personal lines and a monthly bill rather than a yearly one. Premiums start at €2.90 and monthly payments are available, though the broker model means the cover sits with an insurer, not with Getsafe itself.
Score breakdown
| Area | CosmosDirekt | Getsafe |
|---|---|---|
| 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. | 9.4Premiums start at €2.90 with an excess of €0, and monthly is monthly only. |
| Offer | 9.1 | 9.5Higher |
| Trust | 9.6Higher | 8.6 |
Which one suits you
Pick CosmosDirekt if premium from matter most.
Pick Getsafe if offer matter most.
Where they rank in our lists
| Ranking | CosmosDirekt | Getsafe |
|---|---|---|
| Home insurance | 5 of 272 | 18 of 272 |
| Life insurance | 4 of 261 | 14 of 261 |
| Travel insurance | 9 of 291 | 26 of 291 |
| Pet insurance | 5 of 161 | 11 of 161 |
| Income protection insurance | 1 of 92 | 4 of 92 |
A third option
HanseMerkur Reiseversicherung AT has premium from at €1.50, against €1.73 for CosmosDirekt and €2.90 for Getsafe.
HanseMerkur Reiseversicherung AT reviewWhere these facts come from
CosmosDirekt
- cosmosdirekt.de: 12 facts, checked September 26, 2026
Getsafe
- hellogetsafe.com: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | CosmosDirekt | Getsafe |
|---|---|---|
| Audience | Not confirmed | Expats, Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | Cosmos Versicherung Aktiengesellschaft | Getsafe Digital GmbH |
| Headquarters | Germany | Germany |
| Founded | 1950Lower | 2015 |
| Support channels | Phone, Email, Help centre | Email, Phone, Chat, Help centreCovers more |
Where each stands against the rest
| Fact | CosmosDirekt | Getsafe | Median |
|---|---|---|---|
| Premium from | €1.73lowest quarter | €2.90below the median | €5.97 |
| Excess from | Not confirmed | €0below 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.
Getsafe
Pros
- Premiums start at €2.90, below the site median of €8.37.
- The excess starts at €0 on liability cover, so a claim need not reduce a payout.
- Monthly payments are available, and monthly lists monthly as the only payment model.
Cons
- Getsafe is a broker, so you buy cover from an insurer and the policy terms sit outside this site.
- home, dental and life does not list car, renters or landlord cover, so you would need a second provider for those.
- Monthly payments are the only option in monthly, with no annual payment to cut the cost.
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.
Getsafe
Who it suits
- People living in Germany who want one app for home, dental, life, health, travel, pet and income protection.
- Expats and newcomers to Germany, since expats and seniors lists expats and seniors.
- Anyone who prefers a monthly bill and a €0 excess rather than paying a year up front.
Who should look elsewhere
- Drivers and landlords: home, dental and life has no car, renters or landlord lines.
- Anyone wanting annual payments to cut the cost, because monthly is monthly only.
- Buyers who want to contract with an insurer directly, as Getsafe is a broker.
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 | CosmosDirekt | Getsafe |
|---|---|---|
| Austria | No | Yes |
| 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.
Getsafe
How much does Getsafe cost?+
Premiums start at €2.90, and the site median across listed brands is €8.37. The €0 excess on liability cover sits at the lower end too, so a liability claim does not come out of your pocket first. Actual price depends on which line you take.
Can I pay monthly instead of yearly?+
Yes, monthly payments are available, and monthly lists monthly as the only payment model. There is no annual option in the same fact, so anyone hoping to pay once a year to save on the total should look elsewhere or ask the insurer directly.
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