DA deutsche allgemeine versicherung aktiengesellschaft (DA direkt) is the direct insurer of the zurich insurance group. With more than 1.8 policies, DA direkt is one of the largest German direct motor insurers. in the comparative tests, the assekuranz was able to convince above all with its low premiums. In addition to motor insurance, DA direkt also offers legal protection, liability, household/glass and accident insurance policies.
When it comes to car insurance, DA direkt focuses on flexibility. Customers can choose between a basic and a comfort tariff. Both offers can be individually supplemented with additional options. You are welcome to compare your current car insurance with the current offers in 2019 free of charge here with us to see if you can save money or get better performance for the same price.
DA direkt car insurance: current test results from 2020/2019
DA direkt KFZ versicherung received a very good rating from stiftung wartentest in 2018.
The most recent test of DA direkt motor insurance was carried out by stiftung warentest in 2018. Over 150 different motor vehicle tariffs were tested, which are offered by a total of 70 motor vehicle insurers. Among them also the DA direkt. The test results were published in finanztest issue 11/2018.
The stiftung warentest tested which motor vehicle insurance offers a better premium level than the average. For this, certain minimum criteria were set and various age classes and no-claims classes were also used. One is of an annual kilometer number of 15.000km gone.
Good rating for car insurance of DA direkt
The German Institute for Service Quality (DISQ) conducted a motor insurer test and published the results in June 2016. The test focused on the satisfaction of customers of various car insurance companies. DISQ conducted a survey and found 3.720 customer reviews analyzed. Every provider that was rated at least 100 times was included in the overall result. DA direkt is one of 11 direct insurers that met this condition.
With a score of 73.2 out of 100 and a quality rating of "good," DA direkt came in 9th in the overall ranking of direct insurers. Rank. In the price-performance ratio subcategory, 76.8 points were enough for the quality rating "good" and the 7. Rank. As in the overall ranking, DA direkt also took 9th place in the service subcategory. Rank (73.5 points, quality rating "good").
DA-direkt: top results with stiftung warentest
In its 11/2014 issue, the magazine finanztest tested the premium level of numerous motor vehicle tariffs. On the basis of three model customers, the premiums for 152 tariffs from 71 insurers were requested. In the case of DA direkt, both the inexpensive basic cover and the more powerful premium tariff were able to convince with a good price-performance ratio.
In the case of pure motor vehicle liability cover, both DA direkt tariffs were far better than average. This applies equally to 20-, 40- and 70-year-old policyholders. In addition, the comfort tariff performed far better than average for all model customers for both partial and fully comprehensive insurance. With these results, DA direkt is clearly one of the test winners.
DA direkt: good ratings from DISQ for car insurance
In 2014, the German Institute for Service Quality conducted a comprehensive analysis of the performance and service of motor vehicle insurers. The product analysis was based on twelve defined customer profiles with different car classes and users in terms of marital status, annual mileage, no-claims bonus class, etc. The quality of service was determined on the basis of ten undercover telephone and ten undercover e-mail tests. In addition, ten user assessments per company and an analysis of the content of the website were included in the rating.
Among the direct insurers, DA direkt came in 4th place. Overall ranking. The insurer received a quality rating of "good" for the service offered, with 70.5 out of a possible 100 points. The product analysis examined the level of premiums on the one hand and the contractual benefits on the other hand. In the overall result, DA direkt achieved a score of 7. Ranking out.
In a customer survey conducted in 2015, DA direkt ranked 6th with a quality rating of "good". Ranking among direct insurers. As part of the online survey, 3.746 customer ratings obtained for price-performance ratio, service and contractual benefits. Customer annoyance and willingness to recommend the product were also taken into account in the overall result.
DA-direkt KFZ: top rankings in the autobild survey
In the major motor insurance test conducted by the trade magazine autobild (issue 10/2014), both DA direkt tariffs achieved good rankings. The study was conducted on the basis of several model customer profiles. In the offer for a 40-year-old driver with a partner and fully comprehensive insurance for an audi A6, DA direkt’s komfort rate came in first place.
Top providers for novice drivers by autozeitung
In the test conducted by autozeitung (issue 10/2014), the basic rate was particularly convincing among novice drivers. The policyholder was a 20-year-old trainee with an opel corsa and an annual mileage of 12 kilometers per year.000 kilometers. Insurance cover includes third-party liability and partial casco with a 300-euro deductible. DA direkt’s basic rate came in second for this model customer.
Individual insurance cover with DA direkt
The motor vehicle liability insurance in both tariffs offers a lump sum coverage of 100 million euros for all personal injury, property damage and financial losses. With the basic tariff, the insurer pays out 8 million euros per injured person and 12 million euros with the comfort tariff. In addition, some interesting extras are already included as standard. For example, the scope of services includes a mallorca policy for car rentals in other european countries. Cover for damage caused by passengers getting in and out of the car is also included at no extra charge.
The partially comprehensive insurance already offers extended insurance cover for damage caused by game in the basic tariff. In addition to collisions with furred game, collisions with feathered game, horses, sheep and goats are also insured as standard. For an additional charge, collisions with all animals can also be covered by the comfort cover. marten bite damage is generally insured, consequential damage can be covered up to an amount of 3.000 euro optional cover. The basic tariff includes free insurance cover for optional extras up to a value of 2.500 euro. With the comfort tariff there is an extended coverage of 10.000 euro.
DA direkt offers optional discount protection for all tariffs starting with SF class 1. How drivers avoid a downgrade of their no-claims bonus due to an accident they caused themselves. Insureds have one claim free per year.
Facts about DA direct
deutsche allgemeine versicherung AG was founded more than 80 years ago and can therefore look back on a long tradition. the company is based in oberursel and is now part of the zurich insurance group. As a direct insurer, the policies are primarily offered via the internet. This saves costs and allows the insurer to set a favorable premium. Unlike other direct insurers, however, DA direkt still operates 38 branch offices throughout Germany, where employees also take care of customers’ needs. In addition, the insurer offers a very good telephone service.