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CosmosDirekt review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

CosmosDirekt suits households that want one insurer for several policy lines and a savings account they can draw on at any time, with life cover from €1.73 paid monthly. The trade-off is yield: the fixed rate of 2.2% sits below the site median of 3%.

Key facts

Best for
One provider for several insurance lines plus an easy-access savings account.
Premium from
€1.73↗
Insurance types
Auto, Home, Life, Motorcycle, Travel, Pet, Landlord, Income-protection↗
Provider type
Insurer↗
Monthly payments
Yes↗
Cover limit
up to 20,000 EUR per trip (single) / 40,000 EUR per trip (family)↗
Claims channels
Online, Phone↗
Age range
up to 64 years↗
Legal entity
Cosmos Versicherung Aktiengesellschaft↗
Headquarters
Germany↗
Founded
1950↗
Support channels
Phone, Email, Help-centre↗
Pricing model
Monthly
Official website
cosmosdirekt.de

Savings

Headline rate
2.2%↗
Rate type
Fixed↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
Interest credited quarterly; full balance available at any time; no fixed term, free cancellation at any time↗
Monthly fee
€0↗
Account kind
Easy access↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataLinkedInXTrustpilotxing.com

Pros and cons

Pros

  • The starting premium on life cover is €1.73, under the site median of €8.31.
  • Monthly payments are available, so a life policy can be spread across the year rather than paid in one sum.
  • The savings account pays a fixed rate of 2.2%, the monthly account fee is free, and the balance is available at any time.
  • Cover spans auto, home, life, motorcycle, travel, pet, landlord and income protection from one insurer, and claims can be started online or by phone.

Cons

  • The fixed rate of 2.2% sits below the site median of 3%, so the savings side earns less than a typical fixed account on the site.
  • Deposit cover runs only as far as EU DGS up to EUR 100,000, so any balance above that ceiling is exposed to the bank rather than the scheme.
  • The travel cancellation policy has an entry age limit of up to 64 years, so older travellers cannot buy that cover.
  • Support runs on phone, email and help centre only, with no live chat for a quick answer outside business hours.
CosmosDirekt

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Scored 9.4 / 10 by SumCue.

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Who it suits

  • Households that want auto, home, life, travel, pet and income protection with a single provider.
  • Savers who need the balance at any time and would rather hold a fixed rate than lock a term.
  • Anyone opening life cover with a small monthly payment rather than one large sum.

Who should look elsewhere

  • Savers chasing a higher fixed rate: 2.2% is below the site median of 3%, and bunq is the alternative to weigh for a bank-led savings route.
  • Anyone who wants to reach someone in live chat: support runs on phone, email and help centre only, so linxea is the other alternative to weigh for cover.
  • Travellers past up to 64 years: the travel cancellation policy stops at that age, and bunq is the alternative to check for an older entry age.

Safety of your money

CosmosDirekt is an insurer, and the savings side is a deposit account rather than an investment portfolio, so the balance is not exposed to market swings. Money held there is covered by EU DGS up to EUR 100,000, which protects the deposit itself up to the scheme's limit. That cover applies to the account and not to any policy you buy, and it stops once the limit is reached. One point to weigh is concentration: the insurer is the counterparty for both the account and the policies, so both sides of the relationship rest on a single name rather than separate counterparties.

Regulation and registers

CosmosDirekt is an insurer, supervised in Germany by the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin). The supervision fixes who stands behind the policies: a regulated insurer rather than a comparison site or a marketing intermediary that passes the customer on. A claim therefore sits with a named company on a German register, and there is a supervisory route when a complaint is not settled. The same supervision covers the savings side, so the money you park with the brand is not left outside the framework.

Price signals

Two prices matter here. The starting premium on the life policy runs at €1.73, and monthly payments are available, so the cost is spread across the year rather than paid in one sum. That entry point sits below the site median of €8.31, and CosmosDirekt ranks position 47 of 251 brands on that measure. On the savings side, the account pays a fixed rate of 2.2%, under the site median of 3%, and the monthly account fee is free. Interest is credited quarterly rather than paid sooner, which matters most if you dip into the balance.

Cover and limits

Cover runs across auto, home, life, motorcycle, travel, pet, landlord and income protection policies, all written by one provider, so a household can place several lines in the same place. The travel cancellation policy pays a set limit for each trip, with a lower cap for a single traveller and a higher cap for a family policy. The entry age for that travel policy runs to up to 64 years, which narrows who can still buy it later in life. Claims can be started online or by phone, which shortens the route from an incident to a decision.

Who runs it

Behind the brand sits Cosmos Versicherung Aktiengesellschaft, based in Germany and operating since 1950. A long spell in the market is worth something here, because an insurer that has been writing policies for decades is running the claims machinery that a newer entrant may not have built yet. Support runs on phone, email and help centre, so you can reach a person by phone, by email or through the help centre. The same company also handles the savings account, so questions about money and policies go to one desk.

How CosmosDirekt compares

Where CosmosDirekt is available

Available
Germany
Licence in Germany
Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does the life cover cost to start?+

The life policy starts at €1.73, below the site median of €8.31 for starting premiums, and CosmosDirekt ranks position 47 of 251 brands on that measure. Monthly payments are available, so the cover can be spread across the year instead of paid as one sum.

Can I pay the life policy monthly instead of in one go?+

Monthly payments are available, and the life policy is set up on a monthly model rather than a single yearly figure. That spreads the cost of the cover across the year and makes a policy easier to keep running alongside a savings account. The starting premium on that basis is €1.73.

What rate does the savings account pay?+

The account pays a fixed rate of 2.2%, credited quarterly, with the full balance available at any time. It is an easy-access account with no fixed term, and the rate sits below the site median of 3% for headline rates, so access is the trade-off rather than yield.

Is my money protected if I save with CosmosDirekt?+

Deposits are covered by EU DGS up to EUR 100,000, so the balance is protected up to the scheme's limit rather than exposed to market swings. Anything above that ceiling sits with the bank itself and is not covered, which matters if you are parking a large sum. Keep the ceiling in mind when you decide how much to hold here.

Who regulates CosmosDirekt?+

CosmosDirekt is an insurer supervised in Germany by the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), and it has been underwriting since 1950. Being a supervised insurer means the risk sits with a named company on a German register rather than with a comparison site that passes the customer on.

How do I make a claim?+

Claims can be started online and phone, so a claim can go in online or by phone. What you receive depends on the line you hold: the travel cancellation policy pays a set limit per trip, with a lower cap for a single traveller and a higher cap for family cover. That policy also has an entry age limit of up to 64 years.

Who is behind the brand and who do I contact?+

The company behind the brand is Cosmos Versicherung Aktiengesellschaft, based in Germany and operating since 1950. Support runs on phone, email and help centre, so you can reach a person by phone, by email or through the help centre. The same company handles both the policies and the savings account.

What kinds of insurance can I buy?+

The range covers auto, home, life, motorcycle, travel, pet, landlord and income protection, all written by one insurer. Life cover starts at €1.73 and can be paid monthly, which is a low-cost way into the range if you only want one policy type.

Is CosmosDirekt the right fit for me?+

It fits a household that wants one insurer for several lines plus a savings account it can withdraw from at any time. It suits people who value access over yield, because the fixed rate of 2.2% is below the site median of 3%. Travellers past up to 64 years cannot buy the travel cancellation policy.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

CosmosDirekt

CosmosDirekt

One provider for several insurance lines plus an easy-access savings account.

9.4/10See alternatives