Updated September 28, 2026 · AssureCue Editorial Team
CosmosDirekt vs Santander Portugal
CosmosDirekt vs Santander Portugal: the differences
| Compare |  CosmosDirekt |  Santander Portugal |
|---|---|---|
| Premium from | €1.73 | €0.38Lower |
| Insurance types | Auto, Home, Life, Motorcycle, Travel, Pet, Landlord, Income protection | Auto, Home, Health, Life, Home emergency, Income protection |
| Provider type | Insurer | Broker |
| Cover limit | up to 20,000 EUR per trip (single) / 40,000 EUR per trip (family) | EUR 500,000 hospitalisation cover (OneCare health plan) |
| Claims channels | Online, Phone | Phone, Mobile app, Online banking (NetBanco) |
| Age range | up to 64 years | No age limit (OneCare health); up to 75 years for auto |
| Excess from | Not confirmed | €0 |
Same on both: Monthly payments (Yes).
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Key differences
- CosmosDirekt scores higher overall: 9.4 vs 9.1.
- Premium from is lower at Santander Portugal: €0.38 vs €1.73.
- Insurance types: only CosmosDirekt offers Motorcycle, Travel, Pet.
- Insurance types: only Santander Portugal offers Health, Home emergency.
- Claims channels: only CosmosDirekt offers Online.
- Claims channels: only Santander Portugal offers Mobile app, Online banking (NetBanco).
- 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.
Santander Portugal
Santander Portugal suits people in Portugal who want auto, home, health, life, home emergency and income protection arranged through their bank, with premiums starting at €0.38 and monthly payments available. The trade-off is the structure: cover is placed as a broker, broker, and help runs on phone and help centre.
Score breakdown
| Area | CosmosDirekt | Santander Portugal |
|---|---|---|
| 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. | 9.5HigherPremiums start at €0.38 and the car excess starts at €0, with monthly payments available. |
| Offer | 9.1Higher | 9.0 |
| Trust | 9.6Higher | 8.8 |
Positions in our rankings
| Ranking | CosmosDirekt | Santander Portugal |
|---|---|---|
| Car insurance | 6 of 375 | 159 of 375 |
| Home insurance | 5 of 273 | 144 of 273 |
| Life insurance | 4 of 263 | 146 of 263 |
| Income protection insurance | 1 of 92 | 55 of 92 |
Licences and countries
| Country | CosmosDirekt | Santander Portugal |
|---|---|---|
| Germany | Not confirmed | |
| Portugal | Not confirmed |
Additional countries for CosmosDirekt: 1. Additional countries for Santander Portugal: 1.
Which one suits you
Pick CosmosDirekt if trust matter most.
Pick Santander Portugal if premium from matter most.
A third option
TF Bank DE has premium from at €0, against €1.73 for CosmosDirekt and €0.38 for Santander Portugal.
TF Bank DE reviewWhat we checked
CosmosDirekt
- cosmosdirekt.de: 12 facts, checked September 26, 2026
Santander Portugal
- santander.pt: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | CosmosDirekt | Santander Portugal |
|---|---|---|
| Audience | Not confirmed | Expats, Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | Cosmos Versicherung Aktiengesellschaft | Banco Santander Totta, S.A. |
| Headquarters | Germany | Portugal |
| Founded | 1950 | Not confirmed |
| Support channels | Phone, Email, Help centreCovers more | Phone, Help centre |
Where each stands against the rest
| Fact | CosmosDirekt | Santander Portugal | Median |
|---|---|---|---|
| Premium from | €1.73lowest quarter | €0.38lowest quarter | €6.02 |
| Excess from | Not confirmed | €0below the median | €50 |
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.
Santander Portugal
Pros
- Premiums start at €0.38 and monthly payments are available, which keeps both the opening cost and the monthly outlay low.
- The auto excess starts at €0, so a claim does not leave a bill with you.
- Health runs through the OneCare plan with hospitalisation cover of EUR 500,000 hospitalisation cover (OneCare health plan), and the age position is set line by line: No age limit (OneCare health); up to 75 years for auto.
Cons
- Support runs on phone and help centre only, so anyone who prefers live chat has to pick up the phone or use the help centre.
- Auto is the line with an upper age limit, No age limit (OneCare health); up to 75 years for auto, so older drivers are sent elsewhere for the car.
- A hospitalisation limit of EUR 500,000 hospitalisation cover (OneCare health plan) is stated for the OneCare health plan alone, so the ceiling on the other lines has to be settled at quote stage.
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.
Santander Portugal
Who it suits
- Anyone based in Portugal who wants auto, home and health arranged through a bank they already use.
- Older buyers and expats, the stated audience is expats and seniors, who want health cover with no age ceiling.
- Drivers who value an auto excess of €0 and monthly payments rather than a single annual charge.
Who should look elsewhere
- Anyone after pet, motorcycle, renters or travel cover: Good Sam Insurance Agency sells auto, home and renters, a longer list than the auto, home and health offered here.
- Shoppers who judge on entry price alone: bunq lists a starting premium of €0 against €0.38 here.
- Readers comparing other markets: Euroasia Insurance quotes UZS 60,000, a different currency from the €0.38 quoted here.
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
Santander Portugal
Current offer
Bonus
Earn up to 9,000 Santander Rewards points a year with your insurance: Up to 9,000 Rewards points per year
Take out or keep your Santander insurance
Source, checked September 26, 2026
Discount code
Open an account online with code MUDAR50 and get 50 EUR: 50 EUR credited to the account
Customers aged 27 or over; request the free debit card in the app, transfer 150 EUR and keep the account active 12 months; until 30/09
Source, checked September 26, 2026
Bonus
University student account: 60 EUR credited: 60 EUR in the account
Open the account, request the debit card, make 4 transactions and keep the account active 12 months; until 15/10
Source, checked September 26, 2026
Country by country
| Country | CosmosDirekt | Santander Portugal |
|---|---|---|
| Germany | Yes | No |
| Portugal | 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.
Santander Portugal
What does cover cost to start with?+
Published premiums start at €0.38, and the excess on the car policy starts at €0, so the amount you are left with after a claim sits at the bottom of the scale. Monthly payments are available, which spreads the cost rather than concentrating it in a single charge.
Can I pay monthly instead of in one go?+
Yes. Monthly payments are available, and monthly records monthly as the payment model. That suits anyone who would rather see the insurance cost land alongside rent and repayments each month than clear as a single large sum, and it keeps a household budget readable through the year.
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