Updated September 29, 2026 · AssureCue Editorial Team
CosmosDirekt vs Verti
Where CosmosDirekt and Verti differ
| Compare |  CosmosDirekt |  Verti |
|---|---|---|
| Premium from | €1.73Lower | €8.17 |
| Insurance types | Auto, Home, Life, Motorcycle, Travel, Pet, Landlord, Income protection | Auto, Motorcycle, Van |
| Monthly payments | YesHas it | No |
| Cover limit | up to 20,000 EUR per trip (single) / 40,000 EUR per trip (family) | Auto liability: EUR 100 million lump sum, EUR 15 million for personal injury |
| Claims channels | Online, Phone | Phone, Online form, Email |
| Excess from | Not confirmed | €150 to €500 |
| Age range | up to 64 years | Not confirmed |
Same on both: Provider type (Insurer).
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Key differences
- CosmosDirekt scores higher overall: 9.4 vs 9.0.
- Founded is lower at CosmosDirekt: 1950 vs 1996.
- Premium from is lower at CosmosDirekt: €1.73 vs €8.17.
- Monthly payments: only CosmosDirekt.
- Insurance types: only CosmosDirekt offers Home, Life, Travel.
- Insurance types: only Verti offers Van.
- Claims channels: only CosmosDirekt offers Online.
- Claims channels: only Verti offers Online form, 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.
Verti
Verti Versicherung AG is a German insurer for drivers, riders and van owners who want a low entry price and a long-standing provider. Car premiums start at €8.17, with an excess of €150 to €500 and no monthly payments. Cover runs across auto, motorcycle and van.
Score breakdown
| Area | CosmosDirekt | Verti |
|---|---|---|
| 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. | 8.5Car premiums start at €8.17 with excess of €150 to €500, below the site median of €8.37. |
| Offer | 9.1Higher | 9.0 |
| Trust | 9.6Higher | 9.4 |
Side by side, item by item
| Insurance types | CosmosDirekt | Verti |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | No |
| Life | Yes | No |
| Travel | Yes | No |
| Pet | Yes | No |
| Motorcycle | Yes | Yes |
| Van | No | Yes |
| Landlord | Yes | No |
| Income protection | Yes | No |
Where these facts come from
CosmosDirekt
- cosmosdirekt.de: 12 facts, checked September 26, 2026
Verti
- verti.de: 11 facts, checked September 26, 2026
How they place
| Ranking | CosmosDirekt | Verti |
|---|---|---|
| Car insurance | 6 of 393 | 20 of 393 |
| Motorbike insurance | 3 of 120 | 13 of 120 |
Every fact side by side
| Fact | CosmosDirekt | Verti |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | Cosmos Versicherung Aktiengesellschaft | Verti Versicherung AG |
| Headquarters | Germany | Germany |
| Founded | 1950Lower | 1996 |
| Support channels | Phone, Email, Help centre | Phone, Email, Help centre |
Where each stands against the rest
| Fact | CosmosDirekt | Verti | Median |
|---|---|---|---|
| Premium from | €1.73lowest quarter | €8.17above the median | €5.97 |
| Excess from | Not confirmed | €150 to €500above the median | €70 |
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.
Verti
Pros
- Car premiums start at €8.17, under the site median of €8.37
- Insurance types cover auto, motorcycle and van under one insurer
- Auto liability is set at a high lump sum, with a separate personal injury limit
Cons
- Excess starts at €150 to €500, so claims leave you with a share of the bill
- Home and travel are not among the lines in auto, motorcycle and van, which lists vehicle cover only
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.
Verti
Who it suits
- Drivers who want annual cover at a low entry price
- Motorcycle and van owners wanting one provider
- Policyholders who like phone or online claim reporting
Who should look elsewhere
- Anyone who wants to spread the cost with monthly payments
- Households wanting home, travel or life cover from one insurer
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
Verti
Current offer
Bonus
Free Fahrerschutz (driver protection) on new car policies: Cover up to EUR 500,000 per claim at no cost for the whole contract term
Only with a new car policy or tariff switch, selection must be made during the quote; cannot be added to existing contracts
Source, checked September 26, 2026
Discount code
Kasko Clever: Up to 15% reduction on the partial or full cover premium
Optional workshop binding in partial or full cover for cars; no replacement vehicle or free pick-up for pure glass damage
Source, checked September 26, 2026
Discount code
Up to 10% on the first car: 5% off liability and full cover, 10% off partial cover
Only when taking out car insurance on verti.de or by phone; not combinable with other promotions; not applicable to existing contracts
Source, checked September 26, 2026
Discount code
10% on Privathaftpflicht: 10% off the private liability premium
Only for existing Verti customers with at least one active car policy; only via verti.de or the Verti customer service
Source, checked September 26, 2026
Country by country
| Country | CosmosDirekt | Verti |
|---|---|---|
| Germany | Yes | 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.
Verti
How much does Verti charge for car insurance?+
Car premiums start at €8.17, under the site median of €8.37. Prices across the table run as high as €3,431.08, so the starting figure is only the cheapest end. A quote depends on the vehicle and driver.
What is the excess on a Verti policy?+
The excess starts at €150 to €500 under the promotional terms. That amount is your share of a claim, so a higher excess costs less but leaves more to pay at the point of loss. The stated terms apply on the promotional offer.
Other options to compare
Other matchups
- CosmosDirekt vs Income Insurance
- CosmosDirekt vs WorldTrips
- CosmosDirekt vs die Bayerische
- CosmosDirekt vs Principal
- CosmosDirekt vs Allianz Lebensversicherungs-AG
- CosmosDirekt vs Aviva
- CosmosDirekt vs Barmenia
- CosmosDirekt vs Guardian1821
- CosmosDirekt vs Hiscox UK
- CosmosDirekt vs Allianz Assistance ES
- CosmosDirekt vs Groupama MRH
- Verti vs AA Breakdown
- Verti vs Zego
- Verti vs Belfius
- Verti vs Admiral Group
- Verti vs Churchill
- Verti vs Genertel (Generali group)
- Verti vs RAC
- Verti vs Verti IT
- CosmosDirekt vs MyPhysicianPlan
- CosmosDirekt vs Polizza Vita con Bonus
- CosmosDirekt vs HanseMerkur Reiseversicherung AT
- Verti vs AXA
- CosmosDirekt vs Linxea
- CosmosDirekt vs Explorer Travel Insurance
- CosmosDirekt vs TravelSecure
- CosmosDirekt vs HelloSafe (Atlas)
- CosmosDirekt vs MSIG Insurance (Thailand)
- CosmosDirekt vs TIPINSURE
- CosmosDirekt vs Vuso UA
- CosmosDirekt vs Lemonade
- CosmosDirekt vs Compass
- CosmosDirekt vs Getsafe
- CosmosDirekt vs Acko
- Verti vs DirectAsia
- CosmosDirekt vs YouSet
- CosmosDirekt vs WAS Insurance
- CosmosDirekt vs MoneyHero
- Verti vs Assurland.com
Related by the facts
- HanseMerkur Reiseversicherung AT, also regulated by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
- Insurance providers with Auto
- Insurance providers available in Germany
- KS Auxilia, also regulated by Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
- Insurance providers with Motorcycle
- Insurance providers with Home