Updated September 28, 2026 · AssureCue Editorial Team
CosmosDirekt vs Hannoversche
Where CosmosDirekt and Hannoversche differ
| Compare |  CosmosDirekt |  Hannoversche |
|---|---|---|
| Premium from | €1.73Lower | €7.91 |
| Insurance types | Auto, Home, Life, Motorcycle, Travel, Pet, Landlord, Income protectionCovers more | Auto, Home, Life, Income protection |
| Cover limit | up to 20,000 EUR per trip (single) / 40,000 EUR per trip (family) | EUR 850,000 sum insured (term life insurance, online conclusion with simplified health check) |
| Claims channels | Online, Phone | Phone, Email, Online service centre |
| Age range | up to 64 years | Cover can run for 5 to 45 years, maximum to age 75 |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Founded is lower at Hannoversche: 1875 vs 1950.
- Premium from is lower at CosmosDirekt: €1.73 vs €7.91.
- Insurance types: only CosmosDirekt offers Motorcycle, Travel, Pet.
- Claims channels: only CosmosDirekt offers Online.
- Claims channels: only Hannoversche offers Email, Online service centre.
- Support channels: only Hannoversche 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.
Hannoversche
Hannoversche is a German insurer selling auto, home, life and income protection cover, suited to households that want everything under one roof with monthly payments on term life policies. Its starting premium is €7.91, and it holds a German regulatory licence, so premiums are paid to a supervised insurer.
Score breakdown
| Area | CosmosDirekt | Hannoversche |
|---|---|---|
| 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 | 9.3Higher |
| Trust | 9.6 | 9.7Higher |
Side by side, item by item
| Insurance types | CosmosDirekt | Hannoversche |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Life | Yes | Yes |
| Travel | Yes | No |
| Pet | Yes | No |
| Motorcycle | Yes | No |
| Landlord | Yes | No |
| Income protection | Yes | Yes |
Availability and regulation
| Country | CosmosDirekt | Hannoversche |
|---|---|---|
| Germany |
Available in 1 country for both.
A third option
HanseMerkur Reiseversicherung AT has premium from at €1.50, against €1.73 for CosmosDirekt and €7.91 for Hannoversche.
HanseMerkur Reiseversicherung AT reviewSources behind this comparison
CosmosDirekt
- cosmosdirekt.de: 12 facts, checked September 26, 2026
Hannoversche
- hannoversche.de: 12 facts, checked September 26, 2026
How they place
| Ranking | CosmosDirekt | Hannoversche |
|---|---|---|
| Car insurance | 6 of 375 | 73 of 375 |
| Home insurance | 5 of 273 | 58 of 273 |
| Life insurance | 4 of 263 | 57 of 263 |
| Income protection insurance | 1 of 92 | 18 of 92 |
Every fact side by side
| Fact | CosmosDirekt | Hannoversche |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Cosmos Versicherung Aktiengesellschaft | Hannoversche Lebensversicherung AG |
| Headquarters | Germany | Germany |
| Founded | 1950 | 1875Lower |
| Support channels | Phone, Email, Help centre | Phone, Email, Chat, Help centreCovers more |
Where each stands against the rest
| Fact | CosmosDirekt | Hannoversche | Median |
|---|---|---|---|
| Premium from | €1.73lowest quarter | €7.91above 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.
Hannoversche
Pros
- Its starting premium of €7.91 sits under the site figure of €8.37.
- Monthly payments are available, and monthly is the only payment model listed.
- Cover spans auto, home and life from a provider founded in 1875.
Cons
- Monthly is the only payment model on the range, so monthly leaves no annual option.
- Claims run through phone, email and online service centre, a narrower set than the phone, email and chat used for general help, so chat and the help centre are not claim routes.
- The starting premium ranks at 121 of 252 brands on the site, so a low entry figure says little about renewal pricing.
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.
Hannoversche
Who it suits
- Households in DE that want auto, home, life and income protection from the same provider
- People who prefer paying monthly, since monthly payments are available on the term life range
- Buyers comfortable concluding term life cover online with a simplified health check
Who should look elsewhere
- bunq, whose starting premium is €0, if you are weighing a banking cost against a cover cost
- Euroasia Insurance, which quotes from UZS 60,000, if you want a different market
- Good Sam Insurance Agency, which lists auto, home and renters for anyone after a wider set of personal lines
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 | Hannoversche |
|---|---|---|
| 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.
Hannoversche
What does the starting premium cover?+
The starting premium of €7.91 is the published entry point for the term life insurance range, which is concluded online with a simplified health check and a set sum insured. That entry point sits under the site figure of €8.37, and starting premiums across the site run €2.92 to €29.72.
Who regulates the insurer?+
The contracting entity is Hannoversche Lebensversicherung AG, based in Germany and listed as an insurer. It is supervised by the Bundesanstalt fur Finanzdienstleistungsaufsicht (BaFin) under licence 1312, so the cover is underwritten by the insurer itself.
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