CosmosDirekt (Cosmos Lebensversicherungs-AG and Cosmos Versicherung AG)
CosmosDirekt
CosmosDirekt is a motor third-party liability insurance for the Germany market with online purchase and limited assistance availability.
Direct payment
For justified third-party liability claims, CosmosDirekt pays the injured party's claim directly in cash. Unjustified or excessive claims asserted against the policyholder are defended by the insurer at its own cost, including court and attorney fees.
Geographic scope
Germany
Coverage applies within the geographic borders of Europe and the overseas territories of the European Union. In Russia and Turkey, cover applies only to the European part. Rental vehicles temporarily hired abroad are covered under the Mallorca-Police extension.
Unique selling points
- Flat liability limit of 100 million EUR per claim event, well above the German statutory minimum, with a 12 million EUR per-person cap.
- Mallorca-Police for rental vehicles driven abroad is included automatically at no extra charge.
- Technology-neutral cover explicitly extending to damage caused by automated/autonomous driving, software updates, sensor failure or hacking of connected vehicles.
- Optional Rabattschutz allows up to three claims without a no-claims class downgrade.
- Barrier-free online application designed around the '2-senses principle' with screen-reader support.
Coverage limits
Bodily injury liability
€100,000,000
Lump-sum liability coverage of up to 100 million EUR per claim event, combined for personal injury, property damage and financial loss, with a sub-limit of 12 million EUR per injured person.
Property damage liability
€100,000,000
Property damage is covered within the same combined lump-sum limit of 100 million EUR per claim event that also covers personal injury and financial loss.
Traffic legal protection (defence costs)
€1,000,000
Within the base MTPL policy, the insurer defends unjustified liability claims at its own cost (no fixed sum). As a separate optional rider, the Verkehrs-Rechtsschutzversicherung provides legal protection up to 1,000,000 EUR per legal case, requiring an existing or simultaneously concluded MTPL contract with CosmosDirekt.
International (Green Card) insurance certificate
Covered
If CosmosDirekt has issued an international insurance card, MTPL coverage extends to non-European countries listed on the card whose names are not crossed out. Cover follows the legally required scope of the country visited, at least the scope of the German contract.
Roadside assistance (Schutzbrief)
Optional
Optional add-on providing 24/7 roadside assistance in Germany and abroad, including breakdown recovery (up to 300 EUR), towing (up to 300 EUR), vehicle recovery, rental car (up to 70 EUR/day, max. 7 days) and overnight stay costs (up to 85 EUR/night, max. 3 nights). Available only for cars, motorcycles over 125cc and campervans up to 4,000 kg.
Driver accident protection (Fahrerschutz)
€12,000,000
Optional rider compensating the driver's own accident-related personal injury as if a third party were liable. Benefits are capped at the personal-injury sum agreed in the linked MTPL contract (up to 12 million EUR per injured person). Requires an existing MTPL policy with CosmosDirekt for the same car.
Passenger accident protection (Fahrerschutz)
€12,000,000
The same optional Fahrerschutz-Versicherung also covers accident-related personal injury of authorised occupants (Insassen) of the insured car, capped at the personal-injury sum agreed in the linked MTPL contract (up to 12 million EUR per injured person).
Key conditions
Territorial scope
Coverage applies within the geographic borders of Europe and the overseas territories belonging to the European Union. In Russia and Turkey, cover is limited to the European part only. Rental vehicles temporarily hired abroad (outside Germany, for up to 6 weeks) are covered via the Mallorca-Police, provided no separate liability insurance exists for the rental vehicle.
Green card rules
If CosmosDirekt has issued an international insurance card (Green Card), MTPL cover extends to the non-European countries printed on the card whose names are not crossed out; the scope follows the higher of the visiting country's legal minimum or the German contract's scope.
Driver restrictions
The vehicle may only be driven by a person holding the required valid driving licence, and must not be driven under the influence of alcohol, drugs or other substances impairing driving ability; breach of these duties can lead to loss or reduction of cover, capped at 5,000 EUR per person in MTPL.
Claim notification deadline
The policyholder must notify CosmosDirekt of any claim event that could lead to a payment within one week; involvement of police, prosecutors or other authorities must also be reported without delay.
Bonus-malus rules
Premium is based on a no-claims class (Schadenfreiheitsklasse, SF) system: a claim-free year improves the class (lower premium rate), while a claimed year triggers a rückstufung (downgrade) according to fixed tables, with the size of the downgrade depending on the number of claims. An optional Rabattschutz feature (available from SF-Klasse 4 in the Comfort tier) allows up to three claims within its duration without triggering a downgrade.
Where to buy
Documents
General Terms and Conditions for Motor Insurance (AKB), valid from September 2025
Terms & conditions
General Terms and Conditions for Motor Insurance (AKB), valid from September 2022
Terms & conditions
General Terms and Conditions for Motor Insurance (AKB), valid from September 2021
Terms & conditions
Insurance Product Information Document (VIB) – Motor Insurance
IPID
Product Information Sheet (PIB) – Motor Insurance
IPID
Accessibility information sheet for motor insurance (BF KFZ)
Other document
Policy specifics
Liability coverage limit
Maximum lump-sum liability coverage of 100 million euros for personal injury, property damage and financial loss combined
SourceSource no longer reachableAbroad rental vehicle coverage (Mallorca-Police)
Coverage extends to rental vehicles temporarily rented abroad (outside Germany) for up to 6 weeks, provided no separate liability insurance exists for the rental vehicle
SourceAccidents with all types of animals
Accidents involving all types of animals (wildlife, livestock, domestic) are included in basic Basis-Schutz tier
SourceInsured persons in motor third-party liability
Coverage includes the vehicle holder, owner, driver, passenger, employer and employees as specified in section A.1.2 of the AKB (General Terms and Conditions for Motor Insurance)
SourceClaim settlement and defense procedure
Insurer examines validity of claims and pays justified claims in full. Unfounded claims are defended at insurer's expense. In lawsuits, insurer defends policyholder in court and covers court and attorney costs
SourceSource no longer reachableProvisional insurance coverage scope
Upon electronic insurance confirmation (eVB number), provisional liability-only coverage is provided. For PKW (passenger cars) this is Basis-Schutz level. Provisional coverage converts to permanent coverage after first premium payment
SourceExcluded damages in motor third-party liability
Exclusions include: damages caused intentionally and unlawfully; damages during participation in motorsport races; damages from non-compliance with delivery/transport deadlines; pure financial damages not linked to personal or property damage; goods transported with vehicle (except passenger belongings); damages from business/professional operation of vehicle
Source