Updated September 28, 2026 · AssureCue Editorial Team
CosmosDirekt vs Hiscox UK
What sets them apart
| Compare |  CosmosDirekt |  Hiscox UK |
|---|---|---|
| Premium from | €1.73 | £5.20 |
| Insurance types | Auto, Home, Life, Motorcycle, Travel, Pet, Landlord, Income protection | Home, Renters, Landlord, Auto, Home emergency |
| Cover limit | up to 20,000 EUR per trip (single) / 40,000 EUR per trip (family) | GBP 100,000 |
| Claims channels | Online, Phone | Phone, Online, PostCovers more |
| Age range | up to 64 years | Not confirmed |
Same on both: Provider type (Insurer), Monthly payments (Yes).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Hiscox UK scores higher overall: 9.5 vs 9.4.
- Insurance types: only CosmosDirekt offers Life, Motorcycle, Travel.
- Insurance types: only Hiscox UK offers Renters, Home emergency.
- Claims channels: only Hiscox UK offers Post.
- Support channels: only CosmosDirekt offers Email.
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.
Hiscox UK
Hiscox UK suits small businesses, sole traders and freelancers who want an insurer with a high indemnity limit at a low entry price. It sits first of 11 on indemnity limit and second of 14 on premium from, with business cover priced from £5.20 a month.
Score breakdown
| Area | CosmosDirekt | Hiscox UK |
|---|---|---|
| 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. | 9.5HigherPremium from £5.20 ranks 2 of 14 and sits under the site median of €8.37. |
| Offer | 9.1 | 9.4HigherIndemnity limit of £10,000,000 ranks 1 of 11, above the median of €3,486,547.74. |
| Trust | 9.6 | 9.7Higher |
Where each is licensed and available
| Country | CosmosDirekt | Hiscox UK |
|---|---|---|
| Germany | Not confirmed |
Additional countries for CosmosDirekt: 1. Additional countries for Hiscox UK: 1.
Where they rank in our lists
| Ranking | CosmosDirekt | Hiscox UK |
|---|---|---|
| Car insurance | 6 of 393 | 57 of 393 |
| Home insurance | 5 of 272 | 40 of 272 |
| Landlord insurance | 2 of 55 | 7 of 55 |
What each covers
| Insurance types | CosmosDirekt | Hiscox UK |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | No | Yes |
| Life | Yes | No |
| Travel | Yes | No |
| Pet | Yes | No |
| Motorcycle | Yes | No |
| Landlord | Yes | Yes |
| Income protection | Yes | No |
| Home emergency | No | Yes |
What we checked
CosmosDirekt
- cosmosdirekt.de: 12 facts, checked September 26, 2026
Hiscox UK
- hiscox.co.uk: 9 facts, checked September 26, 2026
Every fact side by side
| Fact | CosmosDirekt | Hiscox UK |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | Cosmos Versicherung Aktiengesellschaft | Hiscox Underwriting Ltd |
| Headquarters | Germany | United Kingdom |
| Founded | 1950 | Not confirmed |
| Support channels | Phone, Email, Help centreCovers more | Phone, Help centre |
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.
Hiscox UK
Pros
- Indemnity limits of £10,000,000 rank first of 11 brands on our data, well above the site median of €3,486,547.74.
- Business lines cover public liability, professional indemnity, employers liability and cyber, so several core covers sit with one insurer.
- Premium from £5.20 sits below the site median of €8.37, and Hiscox UK ranks 2 of 14 on entry price.
Cons
- Support runs on phone and help centre only, so a help centre and phone line are the listed ways to reach the team.
- Business cover is limited to public liability, professional indemnity and employers liability, with no property business line among the listed lines.
- The entry premium is a starting figure, and business insurance premium from £5.20 sits under a category spread running to €3,431.08.
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.
Hiscox UK
Who it suits
- IT companies, consultancies and trades that need a high indemnity limit on professional indemnity
- Freelancers and sole traders buying their first business policy
- Businesses wanting public liability, employers liability and cyber from one insurer
Who should look elsewhere
- Buyers who want a broker to shop the whole market for them, such as broker
- Buyers needing property business cover, which sits outside public liability, professional indemnity and employers liability
- Personal only shoppers, as the listed cover centres on business lines in public liability, professional indemnity and employers liability
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 | Hiscox UK |
|---|---|---|
| Germany | Yes | No |
| United Kingdom | No | 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.
Hiscox UK
How much does business insurance cost at Hiscox UK?+
Business cover starts at £5.20 a month with monthly payments available. That entry figure sits below the site median of €8.37 and under the business insurance median of €8.37. Your own price depends on the cover, the limit and the trade.
What is the highest indemnity limit offered?+
Professional indemnity cover reaches £10,000,000. That ranks Hiscox UK 1 of 11 brands on our data, and the site median for the same limit is €3,486,547.74. Higher limits usually cost more, so pair the figure with the premium.
Other options to compare
Other matchups
- CosmosDirekt vs Income Insurance
- CosmosDirekt vs WorldTrips
- CosmosDirekt vs die Bayerische
- CosmosDirekt vs Principal
- CosmosDirekt vs Allianz Lebensversicherungs-AG
- CosmosDirekt vs Aviva
- CosmosDirekt vs Barmenia
- CosmosDirekt vs Guardian1821
- CosmosDirekt vs Allianz Assistance ES
- CosmosDirekt vs Groupama MRH
- CosmosDirekt vs MyPhysicianPlan
- CosmosDirekt vs Polizza Vita con Bonus
- CosmosDirekt vs HanseMerkur Reiseversicherung AT
- CosmosDirekt vs Linxea
- CosmosDirekt vs Explorer Travel Insurance
- CosmosDirekt vs TravelSecure
- CosmosDirekt vs HelloSafe (Atlas)
- CosmosDirekt vs MSIG Insurance (Thailand)
- CosmosDirekt vs TIPINSURE
- CosmosDirekt vs Vuso UA
- CosmosDirekt vs Lemonade
- CosmosDirekt vs Compass
- CosmosDirekt vs Getsafe
- CosmosDirekt vs Acko
- CosmosDirekt vs YouSet
- CosmosDirekt vs WAS Insurance
- CosmosDirekt vs MoneyHero
- Hiscox UK vs Insify.fr
- Hiscox UK vs hotline.finance