CosmosDirekt Guide – All important information about the insurance

2026 is just around the corner and brings many new challenges for policyholders. Changes in legislation, digital trends, and rising expectations make choosing the right insurance more important than ever. Many are asking themselves: How do I stay flexible and secure?

This is exactly where CosmosDirekt comes in. This guide helps you reduce uncertainty when selecting and managing your insurance policies. You get a clear overview of tariffs, policy management, digital services, and learn how to proceed correctly in the event of a claim.

Discover how, through money-saving tips and an easy switch to this insurer, you can get the most out of your insurance for 2026. Use this guide to make informed decisions and avoid coverage gaps.

CosmosDirekt at a glance: What defines the provider in 2026

In 2026, CosmosDirekt is the first point of contact for many people when it comes to modern insurance. What makes this insurer so special? Here you get a compact overview of its history, products, target groups, and the most important innovations.

History & development of CosmosDirekt

CosmosDirekt was founded in 1982 and has grown into Germany’s largest direct insurer. From the outset, the insurer focused on innovative digital solutions and consistent customer orientation. Today, the company serves over two million customers and convinces with high customer satisfaction. Digital services such as self-service portals and apps are standard. In independent tests, such as those by Stiftung Warentest, CosmosDirekt regularly comes out on top. Its market position remains strong and future-oriented in 2026.

Product portfolio: Which insurance policies are available?

The offering is broad. The focus is on car insurance with liability, partial comprehensive, and fully comprehensive cover. In addition, there are life insurance, term life insurance, and private pension insurance. Liability, household contents, and accident insurance are also popular. Complementing these are instant-access savings, savings products, and modern retirement provision. Statistics show that car and life insurance are among the most frequently chosen products. This way, the insurer reliably covers the most important areas of life.

Target groups & customer benefits

CosmosDirekt is aimed primarily at private customers, including families, career starters, and seniors. Particularly attractive are the affordable online tariffs and flexible contract design. Customers benefit from fast claims settlement, transparent communication, and high service quality. Examples of benefits:

• Digital policy management

• Fast online processing

• Individual customization options

This makes the insurer the first choice for many target groups.

CosmosDirekt 2026: What's new?

In 2026, the insurer continues to focus on digital features. New additions include AI-supported claim reporting, video identification procedures, and optimized customer portals. The mobile app has been revamped to make policy management even easier. Sustainability also plays a bigger role: ESG criteria are being incorporated into processes. The industry is changing rapidly, as the article Insurers in 2026: Consolidation, cloud and AI set the pace shows. This insurer remains a pioneer in innovation and service.

Insurance in detail: The most important CosmosDirekt products in 2026

The product world of this insurer in 2026 is diverse and digitally driven. Here you’ll get a compact overview of the most important insurance policies, their benefits, and current trends.

Car insurance: benefits, tariffs, special features

CosmosDirekt impresses in 2026 with flexible car insurance tariffs: From the legally required liability to partial comprehensive and fully comprehensive, everything can be concluded digitally. Additional benefits such as no-claims protection, foreign cover, and breakdown cover are particularly in demand.

Tariff	Coverage	Special features
Liability	Basic cover	Very low premiums
Partial comprehensive	Natural perils	Glass breakage included
Fully comprehensive	All-round package	New-for-old compensation

Digital services such as fast online claim reporting via app make CosmosDirekt a pioneer. Practical: Digital workflows support efficient policy management, as the digital management of insurance clearly illustrates.

Current test results confirm: The provider achieves top marks for price and service.

Life and term life insurance: Who benefits from what?

At CosmosDirekt , you’ll find both classic life insurance and flexible term life insurance. The differences are mainly in the focus: capital accumulation or pure survivors’ protection.

Premium structures are transparent, and health checks are carried out digitally. For families, the insurer offers attractive sample calculations; singles benefit from low entry premiums. Statistics show that the share of online sales continues to rise.

Life insurance is particularly sensible when financial protection for dependents matters.

Liability and household contents insurance: Protection for everyday life and property

CosmosDirekt offers comprehensive liability and household contents tariffs with high coverage limits. The tariffs are flexible: You can individually choose add-ons such as key loss or natural perils.

Key benefits at a glance:

• Transparent deductible

• Fast online processing

• Comparatively low premiums

Compared to other providers, this insurer scores with digital administration and reliable claims settlement. Real-world claim examples show how straightforward the settlement process is.

Accident insurance and other products

The accident insurance from this insurer protects you in the event of disability and severe injuries. Benefits such as immediate assistance, rehabilitation management, or a monthly accident pension can be combined individually.

Add-ons such as hospital daily allowance provide additional protection. A typical process after an accident: report via app, review by the insurer, prompt payout.

Other products, such as occupational disability or legal protection insurance, round off the offering and provide comprehensive protection.

Retirement planning & savings products

CosmosDirekt also convinces with retirement planning and savings products. The pension insurance is flexibly configurable; Riester and Rürup products offer tax advantages. Instant-access savings accounts attract with attractive interest rates and daily availability.

Recommendation: Depending on your stage of life, you can plan specifically with this insurer—whether you’re a career starter, a family, or retired. Digital management ensures you always have an overview.

Digital & personal: Management and service at CosmosDirekt

A modern insurer like CosmosDirekt impresses in 2026 above all with digital, flexible, and personal services. Managing your insurance becomes as easy as smartphone banking. Whether policy overview, claim reporting, or advice—the digital customer experience is front and center.

Customer portal & app: Contracts, documents, communication

With the CosmosDirekt customer portal and app, you always have all your insurance policies in view. Digital management allows you to view contracts, change premiums, or report claims directly via smartphone.

Functions at a glance:

• Policy overview with all policies

• Change premiums or adjust benefits quickly online

• Report claims easily via app or web

• Document upload for proofs and photos

• Digital policies available at any time

• Push notifications remind you of deadlines and important events

Example: After a minor car claim, you can handle the entire claim report through the app. Upload photos, enter details, send—everything done in a few minutes.

Contact options & customer service 2026

CosmosDirekt offers you service in 2026 that fits your everyday life. You can reach the company through various channels, depending on what you prefer.

Contact options:

• Phone hotline (weekdays 7 am–10 pm)

• 24/7 chat for quick questions

• Email service with prompt responses

• Video consultation for personal matters

Current studies show: Around 90 percent of CosmosDirekt customers are satisfied with the service. A typical case: You have a question about your household contents insurance and immediately get a competent answer in the chat.

Contract changes, cancellation & switching

Flexibility is standard at this insurer. Contract data such as address or bank details can be adjusted at any time in the customer portal. Benefit changes are also possible online.

Cancellations can be submitted digitally or in writing, and deadlines are clearly displayed. Particularly practical: The CosmosDirekt switching service supports you in transferring your car insurance. The entire process often takes less than five minutes. That leaves more time for the important things in life.

Data protection & security

Security is a top priority. All data is transmitted in encrypted form, and two-factor authentication protects access to the portal. Compliance with the GDPR is a matter of course.

You can find full details on how CosmosDirekt ensures data protection and data security in the digital insurance world on the page Data protection and data security.

Sensitive customer data is used only for necessary purposes. In 2026, the insurer also relies on modern security measures to protect your information.

Tips for efficient management

With CosmosDirekt , you can manage your insurance particularly efficiently. Here are a few everyday tips:

• Use the policy overview to keep track of all policies

• Set reminders for deadlines and premium payments

• Archive important documents digitally in the customer portal

• Report claims directly online for faster processing

• Bundle multiple policies and benefit from discounts

This saves you not only time but also real money.

Claims: How to proceed correctly with CosmosDirekt

A claim usually comes unexpectedly. With CosmosDirekt , however, you are well prepared and can report claims quickly and easily. The following guide shows how to proceed in an emergency, which deadlines to observe, and how the insurer handles settlement.

Step-by-step guide: Reporting a claim

As soon as a claim occurs, you should first take all immediate measures, for example securing the accident site in the event of a collision or informing the police in the event of a break-in. You can then report the claim to CosmosDirekt directly online or via the app.

Prepare the following documents:

• Photos of the damage

• Damage report or police report

• Policy number

The digital claim form guides you step by step through the report. Thanks to automated processes, such as those used for automated form processing in the insurance sector, processing is particularly efficient. Observe deadlines—usually you should report claims within seven days to avoid jeopardizing settlement. CosmosDirekt supports you with clear instructions in the customer portal.

Processing and settlement: What happens after the report?

After your report, CosmosDirekt checks all submitted documents. Communication often takes place directly via the customer portal or by email. If necessary, a loss adjuster is appointed, for example in the case of major car damage.

For standard claims, settlement usually takes no longer than 48 hours. The insurer pays the compensation directly into your account or quickly forwards queries. You can view the status digitally at any time. Short processing times and transparent procedures ensure high customer satisfaction.

Tips for successful claim handling

With these tips, claim handling with CosmosDirekt runs smoothly:

• Document the damage thoroughly (photos, witnesses, receipts)

• Submit all documents completely and on time

• Use customer service support if anything is unclear

• Regularly check processing status online

Avoid common mistakes such as late reporting or incomplete information. CosmosDirekt helps you correct errors and provides clear feedback if additional information is required.

Special claim types & frequently asked questions

Some claims require special attention. The following table provides a quick overview:

Claim type	Special consideration	Recommendation
Total loss (car)	Loss adjuster required	Report promptly
Partial loss (home)	Photos & cost estimate	Hire a contractor
Vandalism	Police report required	Inform the police
Natural events	Check natural perils coverage	Document immediately

In case of disputes or rejection, the insurer recommends contacting them directly. Misunderstandings are often quickly resolved by submitting missing documents or taking a closer look at the case.

Legal notes & consumer rights

In the event of a claim, you have clear rights. You can appeal a decision or contact the ombudsman if you are not satisfied with the settlement.

Important tips:

• Check deadlines for objections and additional submissions

• Use arbitration bodies in case of disagreements

• Assert your claims clearly and objectively

CosmosDirekt informs you transparently about every step and supports you in enforcing your consumer rights. This way, you stay on the safe side even in the event of a claim.

Savings tips & switching options: Get more out of your insurance

Want to get the most out of your insurance? With the right savings tips and smart switching options, you can not only reduce premiums but also optimize your coverage. Here you’ll find practical recommendations on how to save real money in 2026 while staying optimally covered.

Premium optimization & tariff changes at CosmosDirekt

With CosmosDirekt , you can actively optimize your insurance premiums. An annual tariff check is worthwhile, as there are often cheaper alternatives or new discounts. Bundling car and liability insurance, in particular, can offer attractive price advantages.

• Increase your deductible for lower premiums.

• Adjust benefits to your current life situation.

• Use digital tools for quick comparisons.

Some customers have saved up to 20 percent of their premiums this way. Those who want to manage even more efficiently benefit from modern financial management solutions, as presented here.

Switching to CosmosDirekt : Process and benefits

Switching to the insurer is straightforward and often done in just a few minutes. Terminate your old contracts on time and use the provider’s online switching service. This way, you benefit from immediate coverage and receive your digital policy directly on your smartphone.

• Observe cancellation deadlines (usually 1 month before expiry).

• Use the switching service: simply enter data and complete.

• Example: Switching car insurance often takes less than 10 minutes.

With CosmosDirekt , you secure favorable terms and flexible contract design.

Special cancellation rights and deadlines

Special cancellation rights keep you flexible. In the event of premium increases, claims, or a vehicle change, you can terminate extraordinarily. It’s important to keep an eye on the respective deadlines and proof.

• After a premium increase, you generally have one month to cancel.

• After a settled claim, a special right of termination may exist.

• In the event of a vehicle change, cancel immediately and take out a new policy.

This way, you always remain capable of acting with CosmosDirekt and can quickly react to changes.

Comparison with other insurers

Compared to other providers, CosmosDirekt scores with a strong price-performance ratio and innovative digital services. Independent tests also regularly confirm the high service quality and customer satisfaction.

A current study such as the Insurtech Global Outlook 2025 shows that modern direct insurers lead the way, particularly in digital offerings and personalized services.

Avoid common mistakes when switching insurance

When switching to this insurer, avoid common mistakes to ensure a smooth process:

• Missing cancellation deadlines

• Double insurance due to signing up too early

• Missing proof or incomplete information

A checklist helps you keep track of all steps and make the most of the benefits at CosmosDirekt .

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