Insurer profile
CosmosDirekt (Cosmos Lebensversicherungs-AG and Cosmos Versicherung AG)
CosmosDirekt is a group of legally independent companies based in Saarbrücken that sells and services insurance exclusively directly, without field agents; it has belonged to the insurer Generali Deutschland since 1998 and is Germany's largest direct insurer and largest term life insurer.
Source- Legal entity
- CosmosDirekt (Cosmos Lebensversicherungs-AG and Cosmos Versicherung AG)
- Headquarters
- Saarbrücken, Germany
- Parent group
- Generali Deutschland (Assicurazioni Generali S.p.A.)
- Regulator
- Federal Financial Supervisory Authority (BaFin)
- Phone
- +49 681 9666800
- info@cosmosdirekt.de
- Founded
- 1950
- Last verified
- Aug 27, 2026
Products from CosmosDirekt (Cosmos Lebensversicherungs-AG and Cosmos Versicherung AG)
motor
Motor Third-Party Liability Insurance
Mandatory car liability cover for damage caused to third parties.
motor
Comprehensive/Partial Motor Insurance (Kasko)
Covers damage to the policyholder's own vehicle, available as partial or comprehensive cover.
liability
Motor Legal Protection Insurance
Add-on to the car policy covering legal costs for disputes related to road traffic.
life
Term Life Insurance
Pure death-benefit life cover that protects survivors financially if the insured dies.
life
Occupational Disability Insurance
Provides a monthly pension if the policyholder becomes unable to work in their profession.
life
Funeral Expense Insurance
Pays a lump sum on death (up to €15,000) to cover funeral costs for beneficiaries.
financial
Private Pension Insurance (FlexInvest)
Flexible fund-linked retirement savings product balancing security and market returns.
financial
Unit-Linked Pension Insurance (FlexInvest)
Pension product investing contributions in selected funds/ETFs for long-term wealth building.
financial
Riester Pension
State-subsidised private retirement savings scheme for eligible employees.
financial
Rürup (Basic) Pension
Tax-advantaged basic pension aimed particularly at self-employed people.
financial
Tagesgeld Plus (Call Money Savings Account)
Flexible daily-availability savings account offered by CosmosDirekt with quarterly interest payments.
property
Home Contents Insurance
Covers household contents against risks such as fire, burglary, storm and water damage.
property
Building/Homeowners Insurance
Protects the building structure against fire, storm, hail and water damage, with optional natural hazard cover.
liability
Private Liability Insurance
Covers personal, property and financial damage claims made by third parties against the insured.
liability
House and Property Owner's Liability
Liability cover for property owners against claims arising from ownership of a building or land.
pet
Animal Owner's Liability Insurance
Covers liability claims arising from damage caused by the policyholder's dog or horse.
health
Personal Accident Insurance
Provides financial protection worldwide, 24/7, against the consequences of accidents.
health
Winter Sports Accident Insurance
Accident cover tailored to risks of skiing and other winter sports.
travel
Overseas Travel Health Insurance
Covers medical treatment, repatriation and rescue costs worldwide during trips abroad.
travel
Trip Cancellation Insurance
Reimburses cancellation fees if a booked trip cannot be undertaken for an insured reason.
travel
Premium Travel Insurance
All-inclusive package combining travel health, cancellation, baggage and other travel protections.
financial
Residual Debt Insurance
Protects loan repayments in case of death, disability or other insured events.
other
Young & Safe Package
Bundled protection package for young people combining disability, accident and travel cover.
Regulatory updates
CosmosDirekt is supervised by BaFin as part of the Generali Deutschland group; no sanctions or enforcement actions specifically against CosmosDirekt were found. BaFin has generally pushed insurers, including CosmosDirekt, toward greater fee transparency in fund-linked pension products, and CosmosDirekt continued strong sales growth in 2024/2025, marking its 75th anniversary in 2025 with new products such as FlexInvest.
Reputation and reviews
Offer pages
Motor casco
CosmosDirekt is a motor casco insurance for the Germany market with online purchase and limited assistance availability.
Last verified Aug 27, 2026
Motor third-party liability
CosmosDirekt is a motor third-party liability insurance for the Germany market with online purchase and limited assistance availability.
Last verified Aug 27, 2026
Travel insurance
CosmosDirekt is a travel insurance for the Germany market with online purchase and 24/7 assistance.
Last verified Aug 27, 2026