Updated September 28, 2026 · AssureCue Editorial Team
CosmosDirekt vs Nationwide
CosmosDirekt vs Nationwide: the differences
| Compare |  CosmosDirekt | Nationwide ReviewVisitVisit |
|---|---|---|
| Premium from | €1.73 | $35 |
| Insurance types | Auto, Home, Life, Motorcycle, Travel, Pet, Landlord, Income protection | Auto, Home, Renters, Life, Motorcycle, Pet |
| Cover limit | up to 20,000 EUR per trip (single) / 40,000 EUR per trip (family) | USD 50,000 per bike (custom motorcycle insurance) |
| Claims channels | Online, PhoneCovers more | Phone |
| Age range | up to 64 years | Not confirmed |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- CosmosDirekt scores higher overall: 9.4 vs 9.1.
- Founded is lower at Nationwide: 1925 vs 1950.
- Insurance types: only CosmosDirekt offers Travel, Landlord, Income protection.
- Insurance types: only Nationwide offers Renters.
- Claims channels: only CosmosDirekt offers Online.
- 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.
Nationwide
Nationwide suits people in the US who want several policies from a single insurer, covering auto, home, renters, life, motorcycle and pet with monthly payments available. Its listed starting premium is $35, a general entry point rather than a quote for a single policy.
Score breakdown
| Area | CosmosDirekt | Nationwide |
|---|---|---|
| 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. | 8.8 |
| Offer | 9.1Higher | 8.7 |
| Trust | 9.6 | 9.6 |
Where each is licensed and available
| Country | CosmosDirekt | Nationwide |
|---|---|---|
| Germany | Not confirmed |
Additional countries for CosmosDirekt: 1. Additional countries for Nationwide: 1.
Feature by feature
| Insurance types | CosmosDirekt | Nationwide |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | No | Yes |
| Life | Yes | Yes |
| Travel | Yes | No |
| Pet | Yes | Yes |
| Motorcycle | Yes | Yes |
| Landlord | Yes | No |
| Income protection | Yes | No |
Where they rank in our lists
| Ranking | CosmosDirekt | Nationwide |
|---|---|---|
| Car insurance | 6 of 394 | 19 of 394 |
| Home insurance | 5 of 273 | 19 of 273 |
| Life insurance | 4 of 263 | 15 of 263 |
| Pet insurance | 5 of 163 | 12 of 163 |
| Motorbike insurance | 3 of 120 | 12 of 120 |
Where these facts come from
CosmosDirekt
- cosmosdirekt.de: 12 facts, checked September 26, 2026
Nationwide
- nationwide.com: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | CosmosDirekt | Nationwide |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Cosmos Versicherung Aktiengesellschaft | Nationwide Mutual Insurance Company |
| Headquarters | Germany | United States |
| Founded | 1950 | 1925Lower |
| 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.
Nationwide
Pros
- Personal lines span auto, home, renters, life, motorcycle and pet (auto, home and renters).
- Monthly payments available, with monthly as the listed model.
- An insurer rather than a broker, trading as Nationwide Mutual Insurance Company.
Cons
- Starting premium of $35 sits above the site median of €8.37.
- Support runs on phone and help centre only, with no listed chat or email.
- Health and travel are not among its insurance types (auto, home and renters).
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.
Nationwide
Who it suits
- US households wanting auto, home, renters, life, motorcycle or pet from a single provider.
- Readers who prefer spreading premiums across the year.
- Bike owners who want claims handled by phone (phone).
Who should look elsewhere
- bunq suits readers after banking rather than personal insurance.
- EuroAsia Insurance serves a different market, starting at UZS 60,000.
- Good Sam Insurance Agency fits readers wanting health and travel types.
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 | Nationwide |
|---|---|---|
| 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.
Nationwide
What kind of company is Nationwide?+
Nationwide is an insurer (insurer) rather than a broker, trading as Nationwide Mutual Insurance Company. Its headquarters sit in US and it was founded in 1925. Policies are underwritten by the company itself, so the contract and the claims both sit with the same firm.
How much does Nationwide cost?+
Premiums start at $35 across the personal lines it sells. That figure is a starting point rather than a quote, and the site median for the same measure is €8.37, so this opening price reads as high on the page.
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