Updated September 28, 2026 · AssureCue Editorial Team
CosmosDirekt vs Linxea
What sets them apart
| Compare |  CosmosDirekt |  Linxea |
|---|---|---|
| Premium from | €1.73Lower | €25 |
| Insurance types | Auto, Home, Life, Motorcycle, Travel, Pet, Landlord, Income protectionCovers more | Life |
| Provider type | Insurer | Broker |
| Claims channels | Online, Phone | Phone, Email, Post |
| Age range | up to 64 years | 18+ |
| Cover limit | up to 20,000 EUR per trip (single) / 40,000 EUR per trip (family) | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- CosmosDirekt scores higher overall: 9.4 vs 8.9.
- Founded is lower at CosmosDirekt: 1950 vs 2001.
- Premium from is lower at CosmosDirekt: €1.73 vs €25.
- Insurance types: only CosmosDirekt offers Auto, Home, Motorcycle.
- Claims channels: only CosmosDirekt offers Online.
- Claims channels: only Linxea offers Email, Post.
- Support channels: only Linxea offers Chat, Community.
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.
Linxea
Linxea suits expats in France who want a life policy with monthly payments and a wide support choice. Fees start at €25, which sits above the €8.37 across the ranking, so the account runs on price rather than entry cost.
Score breakdown
| Area | CosmosDirekt | Linxea |
|---|---|---|
| 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. | 8.8Fees start at €25, above the €8.37 and the €7.95 in this ranking. |
| Offer | 9.1 | 9.1 |
| Trust | 9.6Higher | 8.9 |
Licences and countries
| Country | CosmosDirekt | Linxea |
|---|---|---|
| France | Not confirmed | |
| Germany | Not confirmed |
Additional countries for CosmosDirekt: 1. Additional countries for Linxea: 1.
Where these facts come from
CosmosDirekt
- cosmosdirekt.de: 12 facts, checked September 26, 2026
Linxea
- linxea.com: 12 facts, checked September 26, 2026
How they place
| Ranking | CosmosDirekt | Linxea |
|---|---|---|
| Life insurance | 4 of 261 | 3 of 261 |
Every fact side by side
| Fact | CosmosDirekt | Linxea |
|---|---|---|
| Audience | Not confirmed | Expats |
| Pricing model | Monthly | Monthly |
| Legal entity | Cosmos Versicherung Aktiengesellschaft | LINXEA, societe par actions simplifiee, RCS Paris 478 958 762 |
| Headquarters | Germany | France |
| Founded | 1950Lower | 2001 |
| Support channels | Phone, Email, Help centre | Phone, Chat, Email, Help centre, CommunityCovers more |
Where each stands against the rest
| Fact | CosmosDirekt | Linxea | Median |
|---|---|---|---|
| Premium from | €1.73lowest quarter | €25highest quarter | €5.97 |
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.
Linxea
Pros
- Monthly payments are available, which most providers in this ranking also offer.
- Support runs on phone, chat and email, wider than the median provider in this ranking.
- Linxea is a broker, listed in the Orias register under 07 031 073.
Cons
- Fees start at €25, above the €7.95 for this ranking.
- Only life insurance is offered, narrower than auto, home and renters.
- The entry age starts at 18+, so younger savers cannot open an account.
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.
Linxea
Who it suits
- Expats living in France who want a life policy with monthly payments
- Adults who prefer broker advice rather than a direct insurer
- People who want help by phone, chat, email and a help centre
Who should look elsewhere
- Anyone wanting auto, home, health or travel cover alongside life, where Good Sam Insurance Agency covers more ground
- Anyone looking for the lowest entry fee, since bonus.ch starts at CHF 0
- Borrowers comparing loan amounts, since Oney Préstamos ES quotes €1,000
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
Linxea
Current offer
Bonus
100 EUR welcome gift for opening a Linxea Spirit 2 contract for a minor child: 100 EUR
Opening a Linxea Spirit 2 contract for a minor child, under the conditions of the welcome offer
Source, checked September 26, 2026
Bonus
Boost Suravenir Opportunites 2 yield bonus on Linxea Avenir 2 (2026-2027): +1.50% net (target 4.50% net)
From 15/09/2026 to 31/12/2026, minimum 20,000 EUR deposit in free management split between the Suravenir Opportunites 2 euro fund and unit accounts; +1.00% net if at least 30% in non-guaranteed unit accounts, +1.50% net if at least 50%; excludes programmed deposits and Pacte transfers
Source, checked September 26, 2026
Country by country
| Country | CosmosDirekt | Linxea |
|---|---|---|
| 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.
Linxea
What does a Linxea policy cost to start?+
The entry point is €25, and monthly payments are available if you would rather spread the commitment. For context, the median starting fee across this site is €8.37, and Linxea ranks at 183 out of 252 brands on this measure. So the starting figure is above the middle of the pack rather than at the budget end.
Can I pay a Linxea policy monthly?+
Yes. Monthly payments are offered, and monthly describes the payment structure. Most brands in this life insurance ranking also offer monthly payments, so this is a common feature rather than a differentiator. It still matters for cash flow, since it turns one yearly commitment into smaller sums spread through the year.
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