Updated September 28, 2026 · AssureCue Editorial Team
CosmosDirekt vs Vuso UA
Where CosmosDirekt and Vuso UA differ
| Compare |  CosmosDirekt |  Vuso UA |
|---|---|---|
| Insurance types | Auto, Home, Life, Motorcycle, Travel, Pet, Landlord, Income protection | Auto, Travel, Health, Home, Renters |
| Cover limit | up to 20,000 EUR per trip (single) / 40,000 EUR per trip (family) | Up to 3.5 million UAH (KASKO Patriot 2.0 Unlimited) |
| Claims channels | Online, PhoneCovers more | Phone |
| Age range | up to 64 years | Children aged 0-3 and adults aged 60-65 (voluntary medical insurance) |
| Premium from | €1.73 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
| Excess from | Not confirmed | €0 to €50 |
Same on both: Provider type (Insurer).
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Key differences
- CosmosDirekt scores higher overall: 9.4 vs 9.3.
- Founded is lower at CosmosDirekt: 1950 vs 2001.
- Insurance types: only CosmosDirekt offers Life, Motorcycle, Pet.
- Insurance types: only Vuso UA offers Health, Renters.
- Claims channels: only CosmosDirekt offers Online.
- Support channels: only Vuso UA 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.
Vuso UA
Vuso UA is a Ukrainian insurer selling personal lines directly, which suits anyone who wants auto, travel, health, home or renters cover from one provider. Its cost score sits at 8.1, and the excess starts at €0 to €50, so out-of-pocket cost is the first thing to weigh.
Score breakdown
| Area | CosmosDirekt | Vuso UA |
|---|---|---|
| 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. | 9.6Higher |
| Offer | 9.1 | 9.1 |
| Trust | 9.6Higher | 9.3 |
Positions in our rankings
| Ranking | CosmosDirekt | Vuso UA |
|---|---|---|
| Car insurance | 6 of 393 | 13 of 393 |
| Home insurance | 5 of 272 | 12 of 272 |
| Travel insurance | 9 of 291 | 17 of 291 |
Licences and countries
| Country | CosmosDirekt | Vuso UA |
|---|---|---|
| Germany | Not confirmed | |
| Ukraine | Not confirmed |
Additional countries for CosmosDirekt: 1. Additional countries for Vuso UA: 1.
Side by side, item by item
| Insurance types | CosmosDirekt | Vuso UA |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | No | Yes |
| Life | Yes | No |
| Health | No | Yes |
| Travel | Yes | Yes |
| Pet | Yes | No |
| Motorcycle | Yes | No |
| Landlord | Yes | No |
| Income protection | Yes | No |
Every fact side by side
| Fact | CosmosDirekt | Vuso UA |
|---|---|---|
| Audience | Not confirmed | Expats |
| Pricing model | Monthly | Not confirmed |
| Legal entity | Cosmos Versicherung Aktiengesellschaft | PrAT Insurance Company VUSO |
| Headquarters | Germany | Ukraine |
| Founded | 1950Lower | 2001 |
| Support channels | Phone, Email, Help centre | Phone, Email, Chat, Help centreCovers more |
Where each stands against the rest
| Fact | CosmosDirekt | Vuso UA | Median |
|---|---|---|---|
| Premium from | €1.73lowest quarter | Not confirmed | €5.97 |
| Excess from | Not confirmed | €0 to €50below 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.
Vuso UA
Pros
- Insurer rather than a broker, so cover comes direct from insurer
- One provider spans auto, travel and health
- Excess starts at €0 to €50
Cons
- Claims are handled by phone alone, on phone
- Voluntary medical insurance is limited to children and older adults
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.
Vuso UA
Who it suits
- Drivers in Ukraine wanting auto cover with the option of other lines
- Expats settling in Ukraine, listed for expats
- Households wanting home or renters cover alongside a car policy
Who should look elsewhere
- Shoppers wanting to claim online or by message, since claims run on phone only
- Anyone wanting pet, life or motorcycle cover, which sits outside auto, travel and health
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
Vuso UA
Current offer
Discount code
10% discount on medical travel insurance for trips abroad: 10% discount
Covers COVID-19 treatment costs, 24/7 emergency medical assistance worldwide
Source, checked September 26, 2026
Country by country
| Country | CosmosDirekt | Vuso UA |
|---|---|---|
| Germany | Yes | No |
| Ukraine | 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.
Vuso UA
What does an excess look like on a Vuso policy?+
The excess starts at €0 to €50 on the range. Anything above that is the part of a claim that stays with you, so a policy with a low starting excess leaves less of a bill to absorb after a loss.
How are claims made with Vuso?+
Claims are handled on phone only, so a claim starts with a call. That is narrower than the wider support offering, which also covers phone, email and chat for questions that do not involve a claim.
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