DA Deutsche Allgemeine Versicherung Aktiengesellschaft
DA Direkt
DA Direkt is a motor casco insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
Repairs carried out at a workshop arranged by DA Direkt (Werkstattbindung) are settled directly between the insurer and the workshop; if the policyholder uses a different repair shop without the insurer's involvement, only 75% of the invoiced costs are reimbursed to the policyholder (minimum €50 deduction).
Geographic scope
Geographic Europe and the non-European territories belonging to the European Union; the roadside assistance (Schutzbrief) also extends to non-European Mediterranean littoral states.
Coverage applies within geographic Europe and non-European EU territories (A.2.4/O.1.1); an International Insurance Card (IVK) can extend liability cover to additional non-European countries listed on the card.
Unique selling points
- Free pickup and drop-off service: the vehicle is collected, transported to a partner workshop and returned after repair at no extra cost.
- Long workshop guarantee on all repair work carried out at DA Direkt partner workshops.
- New value compensation for total loss or theft extendable up to 36 months after first registration, well beyond the standard 24-month market norm.
- €2,000 cash bonus for policyholders who replace a written-off vehicle with a new electric car under Vollkasko.
- Special equipment (e.g. tuning, custom paint) is co-insured up to €20,000 without a separate premium surcharge.
Coverage limits
Own vehicle damage coverage
Covered
Covers damage to the insured vehicle from accident, vandalism and all Teilkasko perils. Repair costs are reimbursed up to the Wiederbeschaffungswert (replacement value), with no 'new for old' deduction on parts/paint except in the Basis tariff, where such a deduction applies for the first 3-4 years after first registration.
Total loss, destruction or theft settlement
Conditional
Basis tariff pays only the Wiederbeschaffungswert (actual cash value), reduced by any residual value. Komfort and Komfort Plus pay the full new price (Neuwertentschädigung) if total loss, destruction or theft occurs within 24 months of first registration (extendable to 36 months with the 'Erweiterte Neuwertentschädigung' add-on); a €2,000 bonus (Wechselprämie) is paid if the replacement vehicle is a new electric car. For used vehicles, an equivalent purchase-price compensation (Kaufpreisentschädigung) applies for 24 months (36 with the extra), capped at the appraised replacement value at first registration to the policyholder.
Partial damage / repair cost coverage
Covered
If the vehicle is damaged but repairable, costs of full repair (including required consumables) are paid up to the Wiederbeschaffungswert against invoice; without proof of repair, the insurer pays the appraised repair cost up to the Wiederbeschaffungswert minus residual value. No 'new for old' deduction is applied except in the Basis tariff.
Theft, robbery and embezzlement coverage
Covered
Covers theft, robbery and (under conditions) embezzlement of the vehicle. Settlement is reduced by 10% for Pkw/camper vehicles if the vehicle lacked a self-arming electronic immobilizer at the time of theft. The Basis tariff excludes cover where the vehicle was voluntarily handed to the perpetrator (e.g. for a weekend trip, sale, or under retention of title) and excludes malicious acts by non-operating persons inside the vehicle.
Glass breakage coverage
Covered
Covers breakage of vehicle glazing (windscreen, rear, roof, side and partition glass, mirror glass and light covers/bulbs), including cost of an existing emissions sticker if the windscreen must be replaced. Any agreed deductible is waived if the repair is carried out at a workshop arranged by DA Direkt; otherwise reimbursement is limited to 85% of the post-repair invoiced cost.
Natural hazards coverage
Covered
The Basis tariff covers storm, hail, lightning strike and flood (e.g. from heavy rain) only. Komfort and Komfort Plus additionally cover snow/roof avalanches, landslides, earthquakes, ground subsidence and volcanic eruptions.
Vandalism / malicious damage coverage
Covered
Vollkasko covers malicious or mischievous acts by persons not authorized to use the vehicle. This is a Vollkasko-exclusive peril not included in Teilkasko. The defence of gross negligence is generally waived in Komfort and Komfort Plus, but not in the Basis tariff, where the insurer may reduce the payout in proportion to fault.
Roadside assistance / breakdown cover (Schutzbrief)
€350
Sold as a separate, legally independent policy (Schutzbrief). Covers roadside repair (self-organized help reimbursed up to €150), towing (up to €200, or to the nearest charging point for EVs), recovery after leaving the road, plus for breakdowns 50km+ from home: return/onward travel, up to 3 nights' accommodation (max €100/night, €600/day total), and rental car (up to €50/day for 7 days, or up to €350 abroad).
Replacement / rental vehicle
€50 – €100
Available as the 'Ersatzwagen' paid add-on: reimburses a comparable rental vehicle at daily rates by engine power (€50 up to 55kW, €75 for 56-90kW, €85 for 91-125kW, €100 from 126kW), for up to 10 days during repair, or up to 20 days (max €1,000 total) for total loss/theft replacement. Separately, a free replacement vehicle for the repair duration is included when a Komfort Plus workshop-bound bodywork repair is carried out at a directed partner workshop.
Driver protection insurance (Fahrerschutz)
€250,000
Available as the 'Fahrerschutz' add-on (marketed as included in the Komfort Plus tariff), covering the driver's own bodily injury or death while driving. Benefits include pain and suffering compensation up to €200,000, loss of earnings up to €10,000/month, disability-related conversion of home/car/workplace up to €250,000 in total, an immediate hospital lump sum of €250, and funeral costs of €5,000.
Key conditions
Driver age and experience limit
The AKB does not set a minimum driver age or experience exclusion for Kasko cover itself; however, the contractually agreed driver circle (Fahrerkreis) is a rating factor, and no-claims class inheritance/sonderersteinstufung rules apply special treatment for drivers licensed at least 3 years.
Repair network requirements
If workshop binding (Werkstattbindung) is agreed, the vehicle must be repaired at a DA Direkt-arranged partner workshop for bodywork and glass damage; otherwise only 75% of the invoiced repair cost is paid (minimum €50 deduction), and cost estimates for notional settlement must be obtained within 15km of the policyholder's home. Free choice of workshop is available via the 'Freie Werkstattwahl' add-on (typically for a surcharge). Marketing pages additionally advertise a free pickup/drop-off service and a workshop guarantee on repairs performed at partner garages.
Territorial scope
Cover applies in geographic Europe and non-European EU territories; the roadside assistance (Schutzbrief) additionally covers non-European Mediterranean littoral states; an International Insurance Card can extend liability cover to further listed countries.
Anti-theft requirements
For Pkw and camper vehicles, the settlement for theft, destruction or loss is reduced by 10% unless the vehicle was secured with a self-arming electronic immobilizer at the time of the theft.
Claim notification deadline
Any claim event must generally be reported within one week (E.1.1). Vehicle theft must be reported immediately in text form (E.3.1). A police report is required without delay if a theft, fire or vandalism claim exceeds €500, or an animal-collision claim exceeds €1,000 (E.3.3).
Deductible rules
The deductible is individually agreed and stated in the Versicherungsschein (policy schedule). It is waived for windscreen glass repairs carried out at a DA Direkt-arranged workshop (A.2.11.1). An additional €500 deductible applies for game-collision-only claims under the Basis tariff (A.2.2.4(2)). A separate €500 deductible applies to 'Eigenschaden' (damage to other vehicles registered to the same policyholder) claims under the MTPL cover (A.1.9.1).
Documents
General Terms and Conditions for Motor Insurance (AKB), as of 07 August 2024
Terms & conditions
Policy specifics
New value compensation (Vollkasko)
Full coverage includes new value compensation for total loss or theft within 24 months after first registration (extendable to 36 months in certain tariff levels)
SourceAnimal collision coverage
Both Teilkasko and Vollkasko cover collisions with all animals including game, poultry, livestock, and domestic animals, plus marten bite damage with coverage for resulting engine damage up to €20,000
SourceExtended purchase price compensation (Kaskoversicherung)
For used vehicles in both Teilkasko and Vollkasko, provides three-year money-back guarantee paying the actual purchase price (not just residual value) in case of total loss or theft within 24 months of registration under the policyholder's name
SourceGross negligence waiver (Kasko)
In Kasko insurance, no performance limitations are applied in case of accidents caused by gross negligence (unavailable in Basis tariff)
SourceFree workshop choice (Komfort+ tariff)
In case of damage, policyholders in Komfort and Komfort Plus tariffs can choose their own repair workshop instead of being bound to partner workshops; Komfort Plus includes complimentary replacement vehicle during repairs
SourceElectric vehicle replacement bonus (Vollkasko)
If switching from combustion or plug-in hybrid to a new electric vehicle after total loss or theft under Vollkasko, policyholder receives an additional €2,000 bonus on top of new value compensation
SourceNew value compensation (Vollkasko)
Komfort and Komfort Plus include new value compensation for total loss, destruction or theft within 24 months after first registration (extendable to 36 months with the 'Erweiterte Neuwertentschädigung' add-on). Not available in the Basis tariff, which pays only the replacement value (Wiederbeschaffungswert).
SourceRepair and mobility service via partner workshop network
DA Direkt operates a large partner workshop network providing fast, uncomplicated claims processing including repair coordination, mobile service, and even cover for accident victims; binding to partner workshops applies except in premium tariffs with free choice option
SourceStandard deductible ranges
For Kasko insurance, standard deductibles typically range from €150 to €300 per claim; higher deductibles reduce premiums
SourceNo-claims discount class system (Schadenfreiheitsklasse)
Kasko premiums are influenced by no-claims bonus class (SF-Klasse); upgrade occurs automatically after claim-free years; downgrade occurs after reported claims
SourceMulti-tier tariff structure (Basis, Komfort, Komfort Plus)
DA Direkt offers Kasko in three tariff tiers: Basis (minimal features), Komfort (enhanced animal collision and new value coverage), and Komfort Plus (includes free workshop choice with complimentary replacement vehicle)
SourceDeductible rules
The deductible is individually agreed and shown in the Versicherungsschein; it is waived for windscreen repairs at a partner-arranged workshop, an additional €500 deductible applies for game-only claims under Basis, and a separate €500 deductible applies to Eigenschaden claims under the MTPL policy.
Source