Motor vehicle insurance: DA Direkt is the test winner of the Stiftung Warentest

The cost of car insurance depends on many factors: the car insurer takes into account the age and driving experience of the insured, mileage, occupation and place of residence, any passengers, the place where the car is parked, the type of vehicle and other points that you are only partially able to actively influence.

But what you can influence is the choice of insurance: the Car liability insurance is required by law in Germany. If you don’t have one, you can’t register your car. Pay for the damage you do to others with your car.

Comprehensive insurance is voluntary. It offers additional protection and ensures the damage that occurs to your vehicle. There are two types of comprehensive insurance:

● To die partial insurance it is the cheapest product, which usually covers fire, explosion, theft, robbery, storm, hail, lightning, flood, glass breakage, damage caused by animals and short circuits, i.e. damage that the insurer has suffered through no fault of his own .

● The goes one step further full insurance. This also covers damage to the vehicle caused by an accident through your fault or by vandalism. However: fully comprehensive insurance is generally much more expensive than partial comprehensive insurance because it covers more risks.

The validity of the full insurance mainly depends on the value of your vehicle. Fully comprehensive insurance is particularly useful for new cars or young used vehicles that are no more than five years old. You should always take this out for rented or loan financed vehicles, as it will cover damage or loss of the car. By the way: if you are in urgent need of the vehicle for work, Comprehensive Insurance will quickly provide a replacement car if you need it, at no extra cost.

Whichever auto insurance you choose, it doesn’t have to be expensive despite the extensive services. In particular, direct insurance companies, which work with lean processes and, for example, without a field service, pass on their savings directly to customers. With DA Direkt’s “Comfort” tariff, for example, you can save up to 60 percent on insurance premiums compared to other providers. In the current edition (11/2022), Finanztest has once again crowned the direct insurer’s favorable offer as test winner, for the ninth time in a row. The testers rated DA Direkt’s contribution level as much better than the average of all the fares examined

● Car liability insurance: You and your car are well protected with flat rate coverage of € 100 million and up to € 15 million for each injured. The sums cover damage regardless of whether it is a person, vehicle or property. A so-called Majorcan policy is also included. This is liability insurance for rental vehicles while traveling. If the sum insured for the vehicle is not sufficient in the event of an accident, the difference will be paid up to the contractually agreed amount.
● Partial coverage insurance: The policy offers you additional insurance protection in the event of damage to your vehicle. The insurance covers, for example, damage caused by theft, storm, hail, lightning, fire, explosion, flood, vandalism after theft and damage to glass. DA Direkt’s “Comfort” tariff also covers short-circuit damage to the wiring and damage caused by animal bites.
● Comprehensive insurance: With DA Direkt it covers, in addition to all partial cover insurance services, the costs of accidental damage caused to your vehicle, as well as malicious or malicious damage caused by third parties.
● Personal customer service: In the event of damage or if you have any questions, a customer advisor is at your disposal at DA Direkt 24 hours a day, 365 days a year. Of course, you can also or alternatively use the intelligent online services at any time, be it the “Meine DA Direkt” customer portal, the online complaint processing or the numerous guides with practical tips.