Updated September 28, 2026 · AssureCue Editorial Team
CosmosDirekt vs Groupama MRH
What sets them apart
| Compare |  CosmosDirekt |  Groupama MRH |
|---|---|---|
| Premium from | €1.73Lower | €12.90 |
| Insurance types | Auto, Home, Life, Motorcycle, Travel, Pet, Landlord, Income protection | Auto, Home, Landlord, Life, Health, Dental, Pet, Motorcycle, Gadget, Home emergency, Travel |
| Cover limit | up to 20,000 EUR per trip (single) / 40,000 EUR per trip (family) | Contents (capital mobilier) from EUR 10,627 on Protection Indispensable to EUR 60,402 on Protection Premium, which can also insure furniture with unlimited value |
| Claims channels | Online, Phone | Online, Mobile app, Phone, AgencyCovers more |
| Age range | up to 64 years | Reduced student tariff for tenants under 26 (2 rooms maximum) |
| Excess from | Not confirmed | €174 to €354 |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- CosmosDirekt scores higher overall: 9.4 vs 9.3.
- Founded is lower at Groupama MRH: 1900 vs 1950.
- Premium from is lower at CosmosDirekt: €1.73 vs €12.90.
- Insurance types: only CosmosDirekt offers Income protection.
- Insurance types: only Groupama MRH offers Health, Dental, Gadget.
- Claims channels: only Groupama MRH offers Mobile app, Agency.
- Support channels: only CosmosDirekt offers Email.
- Support channels: only Groupama MRH 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.
Groupama MRH
Groupama MRH is a French insurer founded in 1900, with a personal book spanning motor, home, health and pet cover, and it suits households who want every policy with a single provider. Older customers in particular are the listed audience, while the catch is what a claim leaves you paying.
Score breakdown
| Area | CosmosDirekt | Groupama MRH |
|---|---|---|
| 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. | 8.8Claim excess runs €174 to €354, and the starting premium sits above the site median of €8.37. |
| Offer | 9.1 | 9.6Higher |
| Trust | 9.6 | 9.7Higher |
Choosing between them
Pick CosmosDirekt if cost and premium from matter most.
Pick Groupama MRH if offer and claims channels matter most.
A third option
HanseMerkur Reiseversicherung AT has premium from at €1.50, against €1.73 for CosmosDirekt and €12.90 for Groupama MRH.
HanseMerkur Reiseversicherung AT reviewWhere these facts come from
CosmosDirekt
- cosmosdirekt.de: 12 facts, checked September 26, 2026
Groupama MRH
- groupama.fr: 12 facts, checked September 26, 2026
- fr.wikipedia.org: 2 facts, checked September 26, 2026
How they place
| Ranking | CosmosDirekt | Groupama MRH |
|---|---|---|
| Car insurance | 6 of 393 | 88 of 393 |
| Home insurance | 5 of 272 | 70 of 272 |
| Life insurance | 4 of 261 | 68 of 261 |
| Travel insurance | 9 of 291 | 96 of 291 |
| Pet insurance | 5 of 161 | 46 of 161 |
| Motorbike insurance | 3 of 120 | 38 of 120 |
| Landlord insurance | 2 of 55 | 14 of 55 |
Every fact side by side
| Fact | CosmosDirekt | Groupama MRH |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | Cosmos Versicherung Aktiengesellschaft | Assurances Mutuelles Agricoles Groupama |
| Headquarters | Germany | France |
| Founded | 1950 | 1900Lower |
| Support channels | Phone, Email, Help centre | Phone, Chat, Help centre |
Where each stands against the rest
| Fact | CosmosDirekt | Groupama MRH | Median |
|---|---|---|---|
| Premium from | €1.73lowest quarter | €12.90above the median | €5.97 |
| Excess from | Not confirmed | €174 to €354above 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.
Groupama MRH
Pros
- Auto, home, landlord, life, health, dental, pet, motorcycle, gadget, home emergency and travel are all on the book (auto, home and landlord), so policies can sit with the same insurer.
- Claims can be opened online, in the mobile app, by phone or in an agency (online, mobile app and phone), so help is not tied to a single channel.
- Monthly payments are available, so the premium is collected as a regular payment rather than a single sum.
Cons
- The excess on a home claim runs €174 to €354, so a small loss can cost you money.
- Support runs on phone, chat and help centre only, with no email route listed.
- Contents cover is capped on the entry home tier, and unlimited furniture value comes with the top tier alone.
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.
Groupama MRH
Who it suits
- Households that want home, motor, health and pet cover with a single French provider.
- Older policyholders, the audience the brand is listed for.
- Tenants who are students and can use the reduced home tariff.
Who should look elsewhere
- Price-first readers, since bunq shows a premium from €0 while Groupama MRH starts at €12.90.
- Shoppers who want a leaner book, since Good Sam Insurance Agency covers auto, home and renters and leaves landlord, dental and gadget cover to others.
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
Groupama MRH
Current offer
Bonus
EUR 50 off the first year of a Groupama Habitation policy: EUR 50
Subscribe in 2026 to two new contracts, minimum annual premium EUR 100 incl. tax; 1 January to 31 December 2026; page header shows the offer running until 30 October 2026; not combinable, see conditions in agency
Source, checked September 26, 2026
Bonus
Up to EUR 250 off on Groupama Sante Active, Groupama Sante Active Senior or Groupama Sante: EUR 200 (page banner: up to EUR 250)
Contract of at least 1 year, minimum annual premium EUR 200 incl. tax, plus a second contract in the same period; 7 September to 17 October 2026; not combinable with other advantages
Source, checked September 26, 2026
First period offer
One month free on the first year of a Groupama chien-chat policy: 1 month of premium
New subscription of a Groupama assurance chien-chat, offer valid 1 January to 31 December 2026
Source, checked September 26, 2026
Country by country
| Country | CosmosDirekt | Groupama MRH |
|---|---|---|
| France | No | Yes |
| Germany | Yes | No |
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.
Groupama MRH
How much does cover start at?+
Home cover starts at a premium from €12.90, and monthly payments are available so the cost is spread out. That entry figure sits above the site median of €8.37, and the excess on a claim runs €174 to €354, so small claims can end up costing you.
Who regulates Groupama MRH?+
It is an insurer (insurer) registered in France, supervised by ACPR, the Autorite de controle des assurances et des caisses d'epargne. Because the company carries the risk itself, a claim is paid by the insurer named on the policy rather than being passed to another provider.
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