compare your DA direkt car insurance free of charge and without obligation with the offers of the other test winners from the current car insurance comparison.
- Basis
- Comfort
DA german general basic protection
Motor liability insurance
Benefits and benefit modules
Sum insured per person 8 mio. €
Partial cover insurance
Additional benefit modules
Comprehensive insurance
Additional benefit modules
More favorable classification
Comparison: 11.2015 for the 2016 insurance year.
DA german general comfort protection
car liability insurance
Benefits and benefit modules
sum insured per person 15 mio. €
Partial cover insurance
Additional benefit modules
Comprehensive insurance
Additional benefit modules
More favorable classification
Comparison: 11.2015 for the insurance year 2016.
Insured or insurable
Limited or. Restrictedly insured
Not insured or not insurable
Much more expensive than the average price
More expensive than the average price
Cheaper than the average price
Much cheaper than the average price
DA direkt german general car insurance in comparison
DA direkt deutsche allgemeine kfz-versicherung is offered in a more favorable basic tariff with basic coverage and, for an additional charge, in a comfort tariff with additional benefit modules.
DA direkt german general basic tariff
DA direkt german general motor vehicle liability insurance in comparison
DA direkt german general motor vehicle liability insurance as an individual contract is suitable for all customers for whom it is no longer worth repairing the vehicle in the event of a claim, this includes in particular vehicles with a very low time value.
Even the basic cover offered by DA direkt deutsche allgemeine goes far beyond the minimum required by law for motor vehicle liability insurance.
Sums insured
DA direkt deutsche allgemeine provides for a sum insured of €100 million. Euro lump sum for personal injury, property damage and financial loss in motor vehicle liability insurance before. The sum insured per person is limited to 8 million euros. Euro limited.
Currently, the maximum insured sums are 100 mio. € lump sum and 15 mio. € per person on the german insurance market. We recommend tariffs that provide for these maximum benefits in order to be able to exclude the policyholder’s subsequent liability as far as possible in the event of a claim.
Breach of duty
DA direkt deutsche allgemeine kfz-versicherung does not provide full coverage for motor vehicle liability insurance in the event of a breach of duty in this tariff.
In the event of damage resulting from a breach of duty, the insured sums are reduced to the minimum insured sums prescribed by law.
the minimum insurance sums in germany are currently max. 7.5 mio. € for personal injury, 1.12 million. € for property damage and 50.000 € for property damage.
Furthermore, the insurer is liable for damages up to 5.000 € per insured person free of benefits or. Can recourse the policyholder up to this amount.
The obligatory violations include u.A. Driving without a license, driving under the influence of alcohol or other intoxicating substances, intentional breach of the duty of disclosure or loss minimization, in particular unauthorized departure from the scene of an accident (hit-and-run), failure to render assistance or deliberately untruthful statements to the insurer in the event of a claim.
Motor vehicle liability tariffs whose insured sums are not reduced to the statutory minimum insured sums in the event of a claim due to a breach of duty are recommended in order to exclude the policyholder’s subsequent liability as far as possible.
Mallorcapolice
A mallorcapolicy for rental cars in european countries is not included in this tariff of DA direkt german general motor liability insurance.
The mallorca policy offers liability protection for the use of rental cars abroad and protects the policyholder from claims for damages if the sums insured by the foreign insurer are not sufficient to cover the damage. The insurance cover of the mallorca policy is valid up to the agreed insured sums of the German contract at the most.
For policyholders who use rental vehicles abroad, the mallorca policy is a sensible and recommendable component of motor vehicle liability insurance that should not be dispensed with under any circumstances.
discount saver
DA direkt German general vehicle liability insurance does not include a discount saver in this tariff.
The discount saver protects drivers who have been insured accident-free for many years from a premium increase in the following insurance year due to a liability claim that has occurred. In the old tariffs, the discount saver often only applies from 25 claim-free years and in the new tariffs often from 35 claim-free years.
It does not protect the policyholder from a downgrading of the no-claims class (SF class), but it does not change the premium rate for the customer, so that there is no increase in the insurance premium in the new insurance year.
With the introduction of the new generation of tariffs, only a few insurers now offer a discount saver in liability or fully comprehensive insurance. The discount saver has often been eliminated and replaced by the so-called "discount protection". It only offers an attractive supplement to policyholders with a long-term claims-free policy history.
Discount protection
Discount protection is not included in this tariff in DA direkt German general motor vehicle liability insurance.
Discount protection is often offered as an optional additional benefit for an additional premium. The discount protection prevents the premium increase in the following insurance year in the event of one or more liability claims.
Despite the damage, the contract is either continued in the same SF class or in a more favorable SF class; a negative downgrading of the SF class does not occur under any circumstances.
Unfortunately, when changing insurance, it is always the actual claims history that is confirmed and not the SF class with a claimed discount protection, which in turn considerably limits the advantages of this benefit module.
Foreign damage protection
DA direkt deutsche allgemeine kfz-versicherung does not include foreign damage cover in its motor liability insurance.
This is often offered as an additional service module for an additional premium. Foreign damage protection is available for all customers who frequently travel with their vehicle in other european countries.
The sums insured in other countries are often insufficient to compensate for the damage caused in the event of accidents for which the driver is not responsible. Foreign damage protection ensures that the customer is compensated in accordance with German law. Claims can be made directly to the german insurer.
Especially for cross-border commuters or customers who often travel with their own vehicle in other european countries, the conclusion or inclusion of this benefit module is highly recommended.
Driver accident protection
DA direkt deutsche allgemeine kfz-versicherung does not include any driver accident cover in the motor vehicle liability insurance in this tariff.
Often, driver accident protection is offered as an additional benefit module for an additional premium. In the event of a self-inflicted accident, personal injuries to the passengers are covered by the motor vehicle liability insurance, but personal injuries to the driver are not covered. Driver protection closes this insurance gap.
Usually, the driver protection insurance pays up to the agreed sum insured of the motor vehicle liability insurance for self-inflicted personal injuries of the driver. It must therefore be considered on a case-by-case basis whether, at what altitude and to what extent other accident insurance cover already exists for the driver(s).
Premium trends for DA direkt deutsche allgemeine kfz liability insurance
In a comparison of motor vehicle liability insurance for a ten-year-old used car, the premium of DA direkt deutsche allgemeine kfz-versicherung for drivers of all age categories is much lower than the average price. These are the results of a comparison of 160 car insurance rates in november 2015 for the 2016 insurance year.
Other insurers also offer favorable rates with comparable or better benefits. A precise price and performance comparison of the motor vehicle liability insurance is recommended.
DA direkt german general partial coverage insurance in comparison
The addition of partial comprehensive insurance to DA direkt’s German general vehicle liability insurance is an option for all customers for whom it is still worthwhile to repair the insured vehicle in the event of a claim. This includes in particular used vehicles of middle age whose current value still amounts to a few thousand euros.
The DA direkt deutsche allgemeine partially comprehensive insurance includes all standard market benefits.
Scope of insurance
Partial comprehensive insurance covers damage, destruction or loss of the insured vehicle and offers a lot of protection for little money.
In principle, damage to the vehicle due to fire or explosion; theft and unauthorized use; elementary damage due to storm, hail or flood; collision with deer; damage due to short-circuit as well as glass breakage damage are insured by DA direkt German general partial cover insurance.
The scope of insurance of the partially comprehensive insurance can be supplemented by the following additional service modules.
Free choice of workshop
In this tariff, DA direkt deutsche allgemeine teilkaskoversicherung optionally offers a free choice of repair shop for repairing insured partial coverage damage, so that the policyholder does not generally have to be bound to the repair shop.
For customers with a leased vehicle, a repair in an independent workshop instead of in a workshop contracted by the manufacturer can lead to considerable financial disadvantages when the vehicle is returned to the lessor. For this reason, the conclusion of a tariff with free choice of workshop is particularly recommended for lessees.
New price compensation
DA direkt deutsche allgemeine teilkaskoversicherung does not offer new price compensation for first-time owners in this tariff.
New price compensation is only available for new car owners. In the event of a total loss or destruction due to an event insured under the partial cover insurance and in the event of vehicle theft, the insurer will pay the new price instead of the current market value. The new price compensation applies for the contractually defined period for the policyholder, who must be entered in the documents as the first owner.
The new price compensation in the partial cover insurance is often offered on the german insurance market for a period of up to 24 and sometimes even up to 36 months. This benefit module is recommended for new car buyers, whereby the new price compensation should amount to at least 12 months.
Animal bite damage
DA direkt deutsche allgemeine teilkaskoversicherung does not provide benefits for damage to vehicle parts caused by animal bites in this tariff.
Anyone who has been frequently plagued with vehicle damage caused by marten bites is well advised to choose a tariff without restrictions.
Consequential animal bite damage to the aggregate
Consequential damage to the engine caused by animal bites is not covered by this DA direkt deutsche allgemeine tarif.
If coolant pipes or similar are damaged by marten bites, this can lead to expensive consequential damage to the engine. Many tariffs provide insurance coverage for consequential damage to the aggregate caused by animal bites. Often limited to 2.000 – 3.000 euro, rarely above these amounts.
Extended game damage cover
Extended cover for damage caused by wild animals is not included in the DA direkt German general partial cover insurance in this tariff.
There is insurance cover within the framework of the simple game damage cover for the collision of the vehicle in motion with hairy game in accordance with the federal hunting law. Insured are therefore collision damages with e.g. fox, hare, roe deer or wild boar.
Many insurers offer an extended wild damage coverage. It is possible to include either specific types of animals such as. Cows, cattle, sheep, goats or even animals of any kind. We recommend the extended cover for damage caused by game, which offers insurance protection in the event of collision with animals of all kinds.
extended elementary damage coverage with the inclusion of damage caused by avalanches is included in this tariff of DA direkt deutsche allgemeine teilkaskoversicherung.
Many insurers offer coverage for snow avalanches, avalanches, roof avalanches or mudslides as part of the extended elemental damage coverage. It is necessary to consider the region in which the vehicle to be insured will be used, depending on the risks involved. For customers who live in mountainous regions or who use their vehicle in winter sports areas, this service module is highly recommended.
Waiver of the deduction new for old
In this tariff of DA direkt deutsche allgemeine kfz-versicherung the "deduction new for old" is not waived.
If, in the event of a partially comprehensive claim, old parts have to be replaced with new parts or painted, the repair invoice will be reduced proportionately in accordance with the degree of wear and tear and the age of the parts to be replaced or the painting, in order to compensate for any improvements in value.
If the insurer does not waive the deduction new for old by means of a clause, the policyholder may incur not inconsiderable additional costs in the event of damage for which he is not at fault.
Many tariffs provide for the clause "waiver of deduction new for old", in some cases also without a time limit, so that in the event of a partially comprehensive claim, the policyholder can claim not only the. the agreed deductible does not place an additional financial burden on you. We consider this waiver clause to be an important and recommendable benefit component of the comprehensive insurance policy.
Gross negligence
DA direkt deutsche allgemeine kfz-versicherung does not waive the objection of gross negligence in this tariff. However, this service module can be included as an option for an additional charge.
If a claim is made due to gross negligence on the part of the policyholder or the driver, the insurer is entitled to reduce its benefits proportionately according to the severity of the fault.
With the clause "waiver of the objection of gross negligence", the insurer waives this reduction in benefits to which he would otherwise be entitled in the comprehensive insurance, as is the case for example in the following cases.B. In the event of a traffic accident due to a red light violation in the fully comprehensive insurance can happen. In the case of contracts where the insurer does not waive the objection of gross negligence, there is a not inconsiderable risk for the policyholder to come away empty-handed in the event of a claim.
Special equipment
Special equipment is included in the DA direkt german general partial cover insurance up to 2.500 € included in the insurance free of charge.
The list of parts in the applicable terms and conditions for motor vehicle insurance shows which special accessories are included in the insurance and up to what amount they are covered. It is also possible to see which special accessories can be insured for an additional premium and which accessories cannot be insured.
Whether the insurance sum offered offers sufficient insurance protection always depends on the vehicle accessories to be insured and in particular on the type and amount of the special equipment. In many tariffs, optional extras up to 10.000 € premium-free insurance and in some tariffs even without limit.
Contribution tendency of DA direkt german general motor third party liability and partial cover insurance
In a comparison of motor vehicle liability and partially comprehensive insurance for a six-year-old used car, the premium of DA direkt deutsche allgemeine kfz-versicherung for young, middle-aged and senior drivers is far below the average price. These are the results of a comparison of 160 car insurance tariffs in november 2015 based on a partially comprehensive insurance policy with a deductible of 150 € (SB).
Other insurers also offer favorable rates with comparable or even better benefits. A precise comparison of the prices and benefits of motor vehicle liability and partially comprehensive insurance is recommended.
DA direkt deutsche allgemeine fully comprehensive insurance in comparison
DA direkt German comprehensive insurance is available for all new cars, one-day registrations, year-old cars, demonstration cars or young used cars as well as all vehicles with a high current value.
Scope of insurance
Fully comprehensive insurance covers damage, destruction and loss of the insured vehicle. Partial cover insurance is a general component of a fully comprehensive insurance policy.
In addition, fully comprehensive insurance covers damage to the vehicle caused by accidents for which you are responsible or for which you are partly responsible, as well as in the event of wilful or malicious acts by third parties (vandalism).
The range of services offered by fully comprehensive insurance also includes the settlement of accident damage caused by third parties where the person responsible for the damage cannot be identified (hit-and-run driver).
the following service modules to supplement fully comprehensive insurance are of particular interest to buyers of new and used cars.
New price compensation
DA direkt deutsche allgemeine vollkaskoversicherung does not include new price compensation for new cars in this tariff.
New price compensation is only available for owners of new cars. In the event of a total loss or destruction due to an event insured under comprehensive insurance, the insurer will reimburse the new price instead of the current value. The new price compensation is valid for the contractually defined period for the policyholder, who must be registered as the first owner.
The new price compensation in the fully comprehensive insurance is often offered on the german insurance market for a period of up to 48 months. A new price compensation of at least 12, better 24 months is advisable for customers who want to purchase a new car.
Purchase price compensation
DA direkt deutsche allgemeine kfz-versicherung does not offer any purchase price compensation in this fully comprehensive insurance tariff. However, this service module can be included as an option for 12 months at an extra charge.
The purchase price indemnity is especially important for buyers of used vehicles, e.g. Vehicles with a daily registration, yearly cars, demonstration cars or other valuable vehicles with a high current value are interesting.
Many tariffs offer a purchase price compensation of up to 24 months, some even up to 36 months. If purchase value compensation is insured, the insurer reimburses the purchase price of the vehicle instead of the current value in the event of a total loss, destruction or theft. For annual vehicles, the purchase price compensation should be at least 12 months, for daily registrations it is better to have 24 months.
Premium trend of DA direkt german general motor liability and fully comprehensive insurance
In the motor vehicle liability and fully comprehensive insurance comparison for a new car, the premium of DA direkt deutsche allgemeine kfz-versicherung for 20-year-old, 40-year-old and 70-year-old drivers is far below the average price. This is the result of a comparison of 160 car insurance tariffs in november 2015 based on fully comprehensive insurance with a €300 deductible including partial comprehensive insurance with a €150 deductible.
Other insurers also offer favorable rates with comparable or better benefits. A precise price and performance comparison of the motor vehicle liability and fully comprehensive insurance is recommended.
DA direkt deutsche allgemeine comfort tariff
The comfort cover offered by DA direkt deutsche allgemeine kfz-versicherung includes the following extensions and benefit modules in the comparison:
In motor vehicle liability insurance, the sum insured for individuals is 15 mio. €, the mallorcapolice is included in the scope of insurance and a discount protection can be optionally insured for a surcharge.
In the partially comprehensive insurance, the new price compensation for 12 or. 18 months – depending on the type of damage – for new vehicles registered for the first time, damage caused by animal bites to certain vehicle parts is compensated and consequential damage caused by animal bites to the power unit is compensated up to 3.000 € taken over. Extended game damage coverage applies for animals of any kind. The deduction new for old is waived in the comfort cover. Special accessories are covered up to 10.000 € also insured.
In the fully comprehensive insurance, the new price compensation is valid for 6 or more years. 18 months for new cars with first registration to the policyholder, as well as a purchase price compensation for 0 or. 12 months from purchase of used car, in each case according to vehicle and type of damage.
As is well known, better insurance protection also has its price, but DA deutsche allgemeine has calculated the comfort tariff with a sharp pencil, so that the price turns out to be considerably lower than expected. In detail, the DA direkt deutsche allgemeine with its offered comfort protection comes off as follows.
Premium trends for DA direkt deutsche allgemeine kfz liability insurance comfort
In the motor vehicle liability insurance comparison for a ten-year-old used car, the DA direkt deutsche allgemeine kfz-versicherung premium is far below the average premium for drivers of all ages. Thus the result in the motor vehicle insurance comparison.
premium trend of DA direkt german general motor liability and partial casco comfort
In the comparison of motor vehicle liability and partially comprehensive insurance for a six-year-old used car, the premium of DA direkt deutsche allgemeine kfz-versicherung for 20-year-old drivers, 40-year-old drivers and 70-year-old drivers is far below the average price determined in the comparison result. This is the result of the car insurance comparison based on a partially comprehensive insurance with a deductible of 150 € (SB).
Premium trend of DA direkt deutsche allgemeine kfz-haftpflicht and vollkasko komfort
In a comparison of motor vehicle liability and fully comprehensive insurance for a new car, the premium of DA direkt deutsche allgemeine kfz-versicherung is far below the average price determined in the comparison for all age categories. This is the result of a car insurance comparison based on fully comprehensive insurance with a € 300 deductible, including partial comprehensive insurance with a € 150 deductible.
Other insurers also offer favorable rates with comparable or better benefits. An exact price and performance comparison of the motor vehicle insurance is absolutely recommended.
This is how we evaluated the benefits of the car tariffs
We evaluated the car rates according to a points system for various modules and benefits of car insurance. The modules include motor vehicle liability insurance, partially comprehensive insurance and fully comprehensive insurance.
With 8 different benefit criteria for which max. 12 points were achieved, the benefits of the motor vehicle liability insurance were evaluated. We evaluated the partially comprehensive insurance with 9 different performance criteria for which a maximum of 25 points could be achieved, and the fully comprehensive insurance with 2 additional performance criteria for which 8 points could be achieved.
The overall score awarded is made up of the total number of points for the motor vehicle liability and own-damage benefits offered at the max. A score of 45 points could be achieved.
The test scores are based on the school grading system, and we awarded a score of 0.5 for excellent performance – a 1, so to speak – for a score of between 40 and 45 points+.
For 36 to 39 points we awarded the grade 1.0 for very good performance, for 28 to 35 points we awarded the grade 2.0 for good performance, for 23 to 27 points we awarded the grade 3.0 for satisfactory and. Average services.
All tariffs with a score of up to 22 points received a 4.0 for sufficient services, as all tariffs provide at least the standard and usual services on the insurance market.
Basis of the insurance comparison
160 tariffs from 73 insurers were compared. The contract is in SF class 3. You drive 15.000 km per year and use your vehicle alone. you do not own a home or garage. The price level is compared to the average premium. In liability insurance for a ten-year-old used car. In liability and partial casco for a six-year-old used vehicle. In the liability and fully comprehensive insurance for a current new car. The deductible (SB) is € 150 in the partially comprehensive insurance and € 300 in the fully comprehensive insurance incl. Partial coverage with 150 € deductible.
All data without guarantee
Despite careful research, we assume no liability for the correctness or completeness of the information in this insurance comparison.
The description of benefits is only a brief overview. The legally binding scope of insurance is determined exclusively by the declarations and insurance conditions agreed for this contract, including in particular the application, the general conditions for motor vehicle insurance and the applicable tariff provisions for motor vehicle insurance.
This is how high the savings potential is
After a car insurance comparison in sep. In 2015, there are still considerable price differences between the various car insurance companies in all regions.
The largest price difference between the cheapest and most expensive offer is 2.430 €. On average, this amounts to 1.310 €.
The average price difference between the cheapest offer (5 stars) and the average offer price (2.5 stars) was compared as a realistic savings potential. As a result, the potential savings range from €320 to €935 when comparing the lowest to the average price.
In percentage terms, this averages 47 percent and also applies when rates with lower or more extensive benefits are compared separately.
On average, the price difference between the cheapest and most expensive offer for tariffs with low benefits is over 1.000 € or. For tariffs with extensive benefits at more than 1.200 €. These also apply if only rates with extensive benefits below the average value are compared.
Find out here about your
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DA directly compare car insurance
It is worthwhile for every customer to compare the prices and benefits of DA direkt car insurance, because how good or bad a car insurance policy is often only becomes apparent when the insurance claim is made.
Therefore, before taking out a DA direkt car insurance policy, just as before changing tariff or insurance company, not only the price but also the contractually guaranteed benefits should be correct.
We recommend our free car insurance comparison service, which gives you non-binding information about the current prices and benefits of the various tariffs and protects the policyholder from unpleasant surprises in the event of a claim.
Compare your DA direkt car insurance with the rates of the other test winners in the current insurance comparison and find cheap car insurance with excellent benefits and outstanding prices.