Updated September 28, 2026 · AssureCue Editorial Team
CosmosDirekt vs INZMO
CosmosDirekt vs INZMO: the differences
| Compare |  CosmosDirekt |  INZMO |
|---|---|---|
| Premium from | €1.73Lower | €1.99 |
| Insurance types | Auto, Home, Life, Motorcycle, Travel, Pet, Landlord, Income protection | Gadget, Renters, Landlord |
| Provider type | Insurer | Broker |
| Claims channels | Online, Phone | Online self service portal, Mobile app, Email, Chat |
| Cover limit | up to 20,000 EUR per trip (single) / 40,000 EUR per trip (family) | Not confirmed |
| 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 9.0.
- Founded is lower at CosmosDirekt: 1950 vs 2017.
- Premium from is lower at CosmosDirekt: €1.73 vs €1.99.
- Insurance types: only CosmosDirekt offers Auto, Home, Life.
- Insurance types: only INZMO offers Gadget, Renters.
- Claims channels: only CosmosDirekt offers Online, Phone.
- Claims channels: only INZMO offers Online self service portal, Mobile app, Email.
- Support channels: only CosmosDirekt offers Help centre.
- Support channels: only INZMO 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.
INZMO
INZMO suits renters and landlords who want a small monthly premium and self-service handling, with cover starting at €1.99. It is a broker rather than an insurer, and the entity behind it, INZMO Europe GmbH, lists only gadget, renters and landlord cover.
Score breakdown
| Area | CosmosDirekt | INZMO |
|---|---|---|
| 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. | 9.4 |
| Offer | 9.1 | 9.2Higher |
| Trust | 9.6Higher | 8.5 |
Also worth a look
HanseMerkur Reiseversicherung AT has premium from at €1.50, against €1.73 for CosmosDirekt and €1.99 for INZMO.
HanseMerkur Reiseversicherung AT reviewWhat we checked
CosmosDirekt
- cosmosdirekt.de: 12 facts, checked September 26, 2026
INZMO
- inzmo.com: 10 facts, checked September 26, 2026
How they place
| Ranking | CosmosDirekt | INZMO |
|---|---|---|
| Home insurance | 5 of 273 | 160 of 273 |
| Landlord insurance | 2 of 55 | 36 of 55 |
Every fact side by side
| Fact | CosmosDirekt | INZMO |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Cosmos Versicherung Aktiengesellschaft | INZMO Europe GmbH |
| Headquarters | Germany | Germany |
| Founded | 1950Lower | 2017 |
| Support channels | Phone, Email, Help centre | Email, Phone, Chat |
Where each stands against the rest
| Fact | CosmosDirekt | INZMO | Median |
|---|---|---|---|
| Premium from | €1.73lowest quarter | €1.99lowest quarter | €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.
INZMO
Pros
- Cover starts at €1.99, below the landlord cover median of €11.33 and the site median of €8.37
- Monthly payments are offered, and monthly lists monthly as the only payment model
- Claims run through online self service portal, mobile app and email, so most reports need no phone call
Cons
- INZMO is a broker under broker, so the cover is underwritten by another insurer and the policy sits outside its name
- Cover is limited to gadget, renters and landlord, with no home, auto or life policy to add to the same account
- Its landlord cover starts at €1.99, a small sum against a landlord median of €11.33
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.
INZMO
Who it suits
- Renters paying a small monthly premium rather than a yearly one
- Landlords with a single let property who want a digital, self-service policy
- Anyone who wants gadget cover in the same account as renters or landlord cover
Who should look elsewhere
- Householders who want buildings and contents cover, which Hiscox UK lists in home, renters and landlord
- Drivers looking for auto or motorcycle cover, which Good Sam Insurance Agency includes in auto, home and renters
- Shoppers who want many policies under one insurer, such as the set Good Sam Insurance Agency covers
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
INZMO
Current offer
First period offer
First month free on Mobile Phone Insurance: first month free
campaign is valid for monthly payment plan
Source, checked September 26, 2026
Country by country
| Country | CosmosDirekt | INZMO |
|---|---|---|
| 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.
INZMO
What does cover cost from?+
Entry premiums start at €1.99 for the smallest policies on the menu. That is well below the €8.37 median across the site and below the €11.33 median for landlord cover, so the starting figure suits a modest property rather than a large one.
Can I pay monthly?+
Yes. Monthly payments are available and monthly lists monthly as the only model, so there is no annual billing to compare against. The trade-off is that the cost of the policy depends on staying in place month to month rather than on a longer commitment.
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