Updated September 29, 2026 · AssureCue Editorial Team
CosmosDirekt vs Polizza Vita con Bonus
What sets them apart
| Compare |  CosmosDirekt |  Polizza Vita con Bonus |
|---|---|---|
| Insurance types | Auto, Home, Life, Motorcycle, Travel, Pet, Landlord, Income protectionCovers more | Life |
| Provider type | Insurer | Broker |
| Cover limit | up to 20,000 EUR per trip (single) / 40,000 EUR per trip (family) | 1000000 EUR |
| Age range | up to 64 years | 18-75 |
| Premium from | €1.73 | Not confirmed |
| Claims channels | Online, Phone | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- CosmosDirekt scores higher overall: 9.4 vs 9.0.
- Insurance types: only CosmosDirekt offers Auto, Home, Motorcycle.
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.
Polizza Vita con Bonus
Polizza Vita con Bonus suits residents in Italy who want dedicated life cover with monthly payments and direct broker guidance during the application. Cover runs to 1000000 EUR, which helps you match the sum assured to family needs, outstanding commitments and long term plans for dependants.
Score breakdown
| Area | CosmosDirekt | Polizza Vita con Bonus |
|---|---|---|
| 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. | 9.1Monthly model using monthly keeps payments spread across the year. |
| Offer | 9.1Higher | 9.0Dedicated life focus shown by life keeps choice clear. |
| Trust | 9.6Higher | 8.8Broker status shown by broker plus E000765298 supports checks. |
Positions in our rankings
| Ranking | CosmosDirekt | Polizza Vita con Bonus |
|---|---|---|
| Life insurance | 4 of 261 | 1 of 261 |
Where each is licensed and available
| Country | CosmosDirekt | Polizza Vita con Bonus |
|---|---|---|
| Germany | Not confirmed | |
| Italy | Not confirmed | IVASS E000765298 |
Additional countries for CosmosDirekt: 1. Additional countries for Polizza Vita con Bonus: 1.
What each covers
| Insurance types | CosmosDirekt | Polizza Vita con Bonus |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Life | Yes | Yes |
| Travel | Yes | No |
| Pet | Yes | No |
| Motorcycle | Yes | No |
| Landlord | Yes | No |
| Income protection | Yes | No |
What we checked
CosmosDirekt
- cosmosdirekt.de: 12 facts, checked September 26, 2026
Polizza Vita con Bonus
- polizzavitaconbonus.it: 6 facts, checked September 29, 2026
Every fact side by side
| Fact | CosmosDirekt | Polizza Vita con Bonus |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Cosmos Versicherung Aktiengesellschaft | Not confirmed |
| Headquarters | Germany | Not confirmed |
| Founded | 1950 | Not confirmed |
| Support channels | Phone, Email, Help centre | Not confirmed |
Where each stands against the rest
| Fact | CosmosDirekt | Polizza Vita con Bonus | Median |
|---|---|---|---|
| Premium from | €1.73lowest quarter | Not confirmed | €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.
Polizza Vita con Bonus
Pros
- Dedicated life focus through life keeps the choice clear for family protection.
- Cover available to 1000000 EUR supports larger sums assured for dependants.
- Monthly payments are supported, with the model including monthly for budgeting.
Cons
- Cover is limited to life, so households wanting health or home cover alongside life will need a separate provider.
- Broker distribution under broker means the policy is arranged rather than issued directly by the brand.
- Eligibility is bounded by 18-75, so applicants outside that range will need to look elsewhere.
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.
Polizza Vita con Bonus
Who it suits
- Adults in Italy seeking life only cover who find the focused life scope clearer than the wider auto, home and motorcycle range at die Bayerische.
- Applicants who want monthly budgeting and guided help and prefer this broker route over the broader auto, home and pet mix at LV=.
- Family planners comparing sums assured to 1000000 EUR who value email, phone, chat and help centre access during the search.
Who should look elsewhere
- Shoppers wanting bundled home, health and life cover in a single place may prefer die Bayerische for its broad auto, home and motorcycle range.
- Households wanting wider everyday protection beyond life may prefer LV= for its auto, home and pet spread across life and general needs.
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 | Polizza Vita con Bonus |
|---|---|---|
| Germany | Yes | No |
| Italy | 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.
Polizza Vita con Bonus
Is Polizza Vita con Bonus an insurer or a broker?+
Polizza Vita con Bonus arranges life cover as a broker under broker, so it helps you compare and apply rather than underwriting the risk itself. That structure is common for guided search, and you still receive policy terms from the insurer before commitment.
Can I pay monthly?+
Yes, monthly payments are available, which lets you spread the annual cost into smaller regular amounts. The brand model includes monthly, so you can plan household budgets around a steady outflow rather than a large annual payment.
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