Updated September 30, 2026 · AssureCue Editorial Team
CosmosDirekt vs YouSet
Where CosmosDirekt and YouSet differ
| Compare |  CosmosDirekt |  YouSet |
|---|---|---|
| Premium from | €1.73 | CA$5 |
| Insurance types | Auto, Home, Life, Motorcycle, Travel, Pet, Landlord, Income protection | Auto, Home, Renters, Motorcycle |
| Provider type | Insurer | Broker |
| Claims channels | Online, PhoneCovers more | Phone |
| Cover limit | up to 20,000 EUR per trip (single) / 40,000 EUR per trip (family) | Not confirmed |
| Age range | up to 64 years | Not confirmed |
Same on both: Monthly payments (Yes).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- CosmosDirekt scores higher overall: 9.4 vs 8.9.
- Founded is lower at CosmosDirekt: 1950 vs 2017.
- Insurance types: only CosmosDirekt offers Life, Travel, Pet.
- Insurance types: only YouSet offers Renters.
- Claims channels: only CosmosDirekt offers Online.
- Support channels: only YouSet 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.
YouSet
YouSet suits renters, homeowners, drivers and riders in Canada seeking side by side broker quotes with monthly payments available alongside premiums that start at CAD 5. Claims run by phone through phone while support spans email, chat and phone for policy help and service enquiries across cover types.
Score breakdown
| Area | CosmosDirekt | YouSet |
|---|---|---|
| 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. | 9.3Premiums start at CAD 5 with monthly payments available for budgeting flexibility. |
| Offer | 9.1Higher | 9.0Cover spans auto, home and renters across auto, home, renters and motorcycle needs. |
| Trust | 9.6Higher | 8.5Broker model disclosed as broker with support across email, chat and phone. |
Where each is licensed and available
| Country | CosmosDirekt | YouSet |
|---|---|---|
| Canada | Not confirmed | |
| Germany | Not confirmed |
Additional countries for CosmosDirekt: 1. Additional countries for YouSet: 1.
Side by side, item by item
| Insurance types | CosmosDirekt | YouSet |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | No | Yes |
| Life | Yes | No |
| Travel | Yes | No |
| Pet | Yes | No |
| Motorcycle | Yes | Yes |
| Landlord | Yes | No |
| Income protection | Yes | No |
Where they rank in our lists
| Ranking | CosmosDirekt | YouSet |
|---|---|---|
| Car insurance | 6 of 393 | 24 of 393 |
| Home insurance | 5 of 272 | 22 of 272 |
| Motorbike insurance | 3 of 120 | 14 of 120 |
Where these facts come from
CosmosDirekt
- cosmosdirekt.de: 12 facts, checked September 26, 2026
YouSet
- youset.ca: 9 facts, checked September 30, 2026
Every fact side by side
| Fact | CosmosDirekt | YouSet |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | Cosmos Versicherung Aktiengesellschaft | YouSet Insurance |
| Headquarters | Germany | Canada |
| Founded | 1950Lower | 2017 |
| Support channels | Phone, Email, Help centre | Email, Chat, Phone, Help centreCovers more |
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.
YouSet
Pros
- Premiums that start at CAD 5 give a clear entry signal for budget comparison.
- Cover spans auto, home and renters, useful versus LV= which covers auto, home and pet.
- Monthly payments are available, helping spread costs across the term.
Cons
- Claims run on phone only, so written or chat claims routes are absent for phone users.
- Broker cover means policies sit with partner insurers rather than YouSet as broker, unlike insurer alternatives such as LV=.
- Entry premiums that start at CAD 5 will vary by profile, and die Bayerische lists €2.09 for strict price comparison.
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.
YouSet
Who it suits
- Canadian drivers and riders bundling motor risks who might otherwise consider LV= which covers auto, home and pet.
- Renters and homeowners comparing property quotes together, unlike die Bayerische at €2.09.
- Budget planners using monthly payments available while watching entry at CAD 5.
Who should look elsewhere
- Drivers needing broader life and travel cover may prefer Allianz Malaysia because it covers auto, motorcycle and home.
- Pet owners may prefer LV= because it covers auto, home and pet including pet cover.
- Shoppers chasing the lowest headline entry signal may compare die Bayerische at €2.09 against CAD 5.
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 | YouSet |
|---|---|---|
| Canada | No | Yes |
| Germany | Yes | No |
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.
YouSet
What does YouSet cover cost at entry level?+
Premiums start at CAD 5 according to the advertised entry signal, although the amount you pay depends on vehicle, property, location and claims history. Monthly payments are available, which helps spread the annual cost rather than paying the full term in advance.
Is YouSet an insurer or a broker?+
YouSet arranges cover as broker, which means it compares options and arranges policies that are then held with partner insurers. Your money for the actual risk cover goes to the insurer shown on your policy documents, while YouSet handles shopping and service support.
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