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CosmosDirekt

From Consumer Rights Wiki
CosmosDirekt
Basic information
Founded 1950
Legal Structure AG
Industry Insurance
Also known as
Official website https://www.cosmosdirekt.de/

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Consumer-impact summary

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Overview of concerns that arise from the conduct towards users of the product (if applicable):

  • User freedom
  • User privacy
  • Business model
  • Market control

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Incidents

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This is a list of all consumer-protection incidents this company is involved in. Any incidents not mentioned here can be found in the CosmosDirekt category.

Login only possible with an app (2024-)

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Main article: link to the main CR Wiki article

The login to the online portal ("meinCosmosDirekt") where one can update account information, view contract documents etc. is possible only via 2 factor authentication, which is possibly only by use of a proprietary app. This app is available only from the Google Play Store and Apple App Store[2]. They write in "Fragen zur Zwei-Schritt-Anmeldung" (translation: "Questions about 2-Step-Login"):

"Die Zwei-Schritt-Anmeldung ist Teil einer Datenschutzrichtlinie und ein Schutz, um Deine Informationen sicher zu halten. Dazu sind wir gesetzlich verpflichtet." (Translation: "2-step-login is part of a data protection regulation and a protection to keep your data safe. We are legally obligated to it.").

This sentence is misleading, as there are alternatives to proprietary apps for 2 factor authentication[3].

An individual user reported being offered an individual workaround, after contacting customer service[4]. Another user report dates back to 2024[5].

Example incident two (date)

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...

Products

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This is a list of the company's product lines with articles on this wiki.

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See also

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Link to relevant theme articles or companies with similar incidents.

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References

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  1. ↑ ref goes here
  2. ↑ "meinCosmosDirekt". CosmosDirekt. 2026-06-16. Archived from the original on 2026-06-16. Retrieved 2026-07-11.
  3. ↑ "Multi-factor authentication". Wikipedia. 2026-07-11. Retrieved 2026-07-11.{{cite web}}: CS1 maint: url-status (link)
  4. ↑ Caliandro, Stefan (2025-11-27). "App Zwang bei Cosmos Direkt?". Caliandro.de - Blog. Archived from the original on 2026-03-13. Retrieved 2026-03-13.
  5. ↑ Kuketz-Blog 🛡 (2024-10-01). "Es ist frustrierend, dass immer mehr Unternehmen einen App-Zwang für die Zwei-Faktor-Authentifizierung einführen". Mastodon - social.tchncs.de. Retrieved 2026-07-11.
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