Updated October 16, 2026 · AssureCue Editorial Team
CosmosDirekt vs Liberty Mutual
What sets them apart
| Compare |  CosmosDirekt |  Liberty Mutual |
|---|---|---|
| Premium from | €1.73 | $5 |
| Insurance types | Auto, Home, Life, Motorcycle, Travel, Pet, Landlord, Income protection | Auto, Home, Renters, Landlord, Motorcycle, Life, Pet |
| Cover limit | up to 20,000 EUR per trip (single) / 40,000 EUR per trip (family) | Pet insurance annual maximum: $5,000, $10,000 or $15,000 |
| Claims channels | Online, Phone | Online, Phone, App, EmailCovers more |
| Excess from | Not confirmed | $250 |
| Age range | up to 64 years | Not confirmed |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Founded is lower at Liberty Mutual: 1912 vs 1950.
- Liberty Mutual is available in 1 more country.
- Insurance types: only CosmosDirekt offers Travel, Income protection.
- Insurance types: only Liberty Mutual offers Renters.
- Claims channels: only Liberty Mutual offers App, 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.
Liberty Mutual
Liberty Mutual explains that its listed underwriting companies are separate legal entities that issue the policies.
Score breakdown
| Area | CosmosDirekt | Liberty Mutual |
|---|---|---|
| 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. | 8.9 |
| Offer | 9.1 | 9.5Higher |
| Trust | 9.6 | 9.7Higher |
What each covers
| Insurance types | CosmosDirekt | Liberty Mutual |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | No | Yes |
| Life | Yes | Yes |
| Travel | Yes | No |
| Pet | Yes | Yes |
| Motorcycle | Yes | Yes |
| Landlord | Yes | Yes |
| Income protection | Yes | No |
Availability and regulation
| Country | CosmosDirekt | Liberty Mutual |
|---|---|---|
| Germany | Not confirmed | |
| United States | Not confirmed | NAIC 23025 Iowa (state insurance licence) 1002314428 |
Additional countries for CosmosDirekt: 1. Additional countries for Liberty Mutual: 2.
How they place
| Ranking | CosmosDirekt | Liberty Mutual |
|---|---|---|
| Car insurance | 6 of 375 | 75 of 375 |
| Home insurance | 5 of 273 | 60 of 273 |
| Life insurance | 4 of 263 | 58 of 263 |
| Pet insurance | 5 of 167 | 44 of 167 |
| Motorbike insurance | 3 of 120 | 29 of 120 |
| Landlord insurance | 2 of 55 | 10 of 55 |
Every fact side by side
| Fact | CosmosDirekt | Liberty Mutual |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Cosmos Versicherung Aktiengesellschaft | Liberty Mutual Insurance Company |
| Headquarters | Germany | United States |
| Founded | 1950 | 1912Lower |
| Support channels | Phone, Email, Help centre | Phone, Help centre, Email |
Business insurance
| Fact | CosmosDirekt | Liberty Mutual |
|---|---|---|
| Cover types | Not confirmed | Public liability, Professional indemnity, Employers liability, Cyber, Property |
| Industries | Not confirmed | Construction, energy, healthcare, technology, manufacturing and others |
Where each stands against the rest
| Fact | CosmosDirekt | Liberty Mutual | Median |
|---|---|---|---|
| Excess from | Not confirmed | $250highest quarter | $100 |
Median across 36 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.
Liberty Mutual
Pros
- The captured source states the provider or product information summarized here.
Cons
- This describes the insurer’s stated entity structure and does not determine coverage under any policy.
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.
Liberty Mutual
Who it suits
- Readers looking for the limited background stated in the captured source.
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
Liberty Mutual
Current offer
Discount code
Bundle auto and home insurance online: over $950 average annual savings
Average annual savings based on a countrywide survey of new customers who reported savings when they switched to Liberty Mutual or Safeco between 10/2024 and 9/2025; savings vary; comparison does not apply in MA
Source, checked September 26, 2026
Discount code
Switch to Liberty Mutual auto insurance: over $700
Average annual savings based on a countrywide survey of new customers who reported savings when they switched between 10/2024 and 09/2025; savings vary; comparison does not apply in MA
Source, checked September 26, 2026
Discount code
Pet insurance stackable discounts for existing Liberty Mutual customers: up to 20%
Already a Liberty Mutual customer; products, rates and discounts may vary by state and are subject to change
Source, checked September 26, 2026
Country by country
| Country | CosmosDirekt | Liberty Mutual |
|---|---|---|
| Canada | No | Yes |
| Germany | Yes | No |
| United States | 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.
Who regulates CosmosDirekt?+
CosmosDirekt is an insurer, listed as insurer, and the regulator named for it is the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) in Germany. Because the company sells the policy itself, the premium, the contract and the payout all sit with the same regulated insurer rather than a broker passing the risk along.
What kinds of insurance can I buy from it?+
The range covers auto, home and life, so motor, home, life, motorcycle, travel, pet, landlord and income protection all come from the same provider. Good Sam Insurance Agency runs wider with auto, home and renters, which adds renters and health to the motor and home lines.
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