Updated September 28, 2026 · AssureCue Editorial Team
CosmosDirekt vs TIPINSURE
CosmosDirekt vs TIPINSURE: the differences
| Compare |  CosmosDirekt |  TIPINSURE |
|---|---|---|
| Premium from | €1.73 | THB 699 |
| Insurance types | Auto, Home, Life, Motorcycle, Travel, Pet, Landlord, Income protection | Auto, Home, Travel, Health, Pet, Motorcycle, Critical illness |
| Cover limit | up to 20,000 EUR per trip (single) / 40,000 EUR per trip (family) | 500,000 THB |
| Claims channels | Online, Phone | Phone, App, OnlineCovers more |
| Age range | up to 64 years | 20-60, renewable to 64 |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- CosmosDirekt scores higher overall: 9.4 vs 9.3.
- Founded is lower at CosmosDirekt: 1950 vs 1951.
- Insurance types: only CosmosDirekt offers Life, Landlord, Income protection.
- Insurance types: only TIPINSURE offers Health, Critical illness.
- Claims channels: only TIPINSURE offers App.
- Support channels: only CosmosDirekt offers Email.
- Support channels: only TIPINSURE offers Chat.
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.
TIPINSURE
TIPINSURE suits households in Thailand that want a single monthly policy across motor, home, health and critical illness cover. The starting premium of THB 699 runs well above the site median, so the cost is the trade-off to weigh.
Score breakdown
| Area | CosmosDirekt | TIPINSURE |
|---|---|---|
| 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. | 8.9Starting premium of THB 699 sits well above the site median of €8.37, ranking 169 of 252. |
| Offer | 9.1 | 9.3Higher |
| Trust | 9.6 | 9.6 |
What each covers
| Insurance types | CosmosDirekt | TIPINSURE |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Life | Yes | No |
| Health | No | Yes |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Motorcycle | Yes | Yes |
| Landlord | Yes | No |
| Critical illness | No | Yes |
| Income protection | Yes | No |
How they place
| Ranking | CosmosDirekt | TIPINSURE |
|---|---|---|
| Car insurance | 6 of 393 | 12 of 393 |
| Home insurance | 5 of 272 | 11 of 272 |
| Life insurance | 4 of 261 | 9 of 261 |
| Travel insurance | 9 of 291 | 16 of 291 |
| Pet insurance | 5 of 161 | 8 of 161 |
| Motorbike insurance | 3 of 120 | 8 of 120 |
Licences and countries
| Country | CosmosDirekt | TIPINSURE |
|---|---|---|
| Germany | Not confirmed |
Additional countries for CosmosDirekt: 1. Additional countries for TIPINSURE: 1.
Every fact side by side
| Fact | CosmosDirekt | TIPINSURE |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Cosmos Versicherung Aktiengesellschaft | TIPINSURE Public Company Limited |
| Headquarters | Germany | Thailand |
| Founded | 1950Lower | 1951 |
| Support channels | Phone, Email, Help centre | Phone, Chat, 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.
TIPINSURE
Pros
- Monthly payments are available, so cover is paid for as the policy runs
- Insurance types span auto, home, travel, health, pet, motorcycle and critical illness
- Claims can be started by phone, in the app or online
Cons
- The starting premium of THB 699 sits far above the site median of €8.37
- Support runs on phone, chat and help centre only, with no email listed
- Critical illness cover is capped at 500,000 THB
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.
TIPINSURE
Who it suits
- Households wanting a single monthly policy for motor, home and health cover
- Adults aged 20-60, renewable to 64 looking for a lump sum critical illness payout
- Motorcycle and pet owners who want cover from the same insurer
Who should look elsewhere
- Good Sam Insurance Agency, if you need life and renters cover in the same policy
- Euroasia Insurance, if a lower starting premium matters most
- bunq, if you are comparing banking accounts rather than insurance
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
TIPINSURE
Current offer
Bonus
TIP PET BUDDY: owner pays 50%, insurer pays the other 50% of veterinary treatment: 50% co-payment on veterinary costs up to 50,000 baht
Selected plan; 60-day waiting period for general illness; pets aged 3 months to 7 years
Source, checked September 26, 2026
Country by country
| Country | CosmosDirekt | TIPINSURE |
|---|---|---|
| Germany | Yes | No |
| Thailand | 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.
TIPINSURE
What does TIPINSURE cost to start?+
The starting premium is THB 699. That is well above the site median of €8.37, and the site pokes 252 brands ranked on this figure, placing TIPINSURE at 169.
How do I pay for cover?+
TIPINSURE offers monthly payments, so premiums are spread across the policy year instead of paid in one sum. Payment is a yes on the monthly payments point for this brand.
Other options to compare
CosmosDirekt vs Income InsuranceTIPINSURE vs Income Insurance
CosmosDirekt vs Polizza Vita con BonusTIPINSURE vs Polizza Vita con Bonus
HanseMerkur Reiseversicherung AT
CosmosDirekt vs HanseMerkur Reiseversicherung ATTIPINSURE vs HanseMerkur Reiseversicherung AT
CosmosDirekt vs MSIG Insurance (Thailand)TIPINSURE vs MSIG Insurance (Thailand)
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