Pending review

Sparkassen DirektVersicherung AG (S Direktversicherung Aktiengesellschaft)

Sparkassen-direkt (S-Direkt)

Sparkassen-direkt (S-Direkt) is a motor casco insurance for the Germany market with online purchase and 24/7 assistance.

Last verified Aug 28, 2026Reviewed by: Boleron EUUnderwritten by: Sparkassen DirektVersicherung AG
Online purchase24/7 helpline

Direct payment

As a direct insurer, Sparkassen-direkt processes premium payments via bank transfer/direct debit referencing the policy number, and claims payments are made directly to the policyholder's account.

Geographic scope

Germany

Coverage applies in Germany and Europe; a Mallorca policy extends liability limits to rental cars used abroad.

Unique selling points

  • Occupants involved in an accident are treated as private patients (chief physician, one/two-bed room) in AutoPlusProtect and AutoPremium, a benefit many competitors charge extra for.
  • AutoPlusProtect allows glass damage repair at any workshop of choice with no workshop-binding and no extra cost.
  • Short-circuit follow-on damage to wiring and adjacent components is covered up to 10,000 EUR (AutoPlusProtect) or 20,000 EUR (AutoPremium).
  • All animal species are covered without restriction for wildlife-collision damage, plus avalanche and mudslide perils beyond the usual storm/hail/flood set.
  • AutoPlusProtect and AutoPremium customers face a milder no-claims-class downgrade after a claim than AutoBasis customers.

Coverage limits

Own damage coverage

Covered

Both Teilkasko and Vollkasko indemnify damage to the insured vehicle based on replacement value less residual value; AutoPlusProtect includes new-price/purchase-price compensation for up to 24 months and AutoPremium up to 36 months after first registration/purchase.

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Total loss compensation

Covered

Only in AutoPlusProtect, AutoPremium

In case of total loss, destruction or theft, Vollkasko/Teilkasko pay the replacement value; AutoPremium adds new-price compensation for a new car and purchase-price compensation for a used car within 36 months of purchase (24 months in AutoPlusProtect).

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Partial damage / repair cost coverage

Covered

Repairable damage to the vehicle is covered up to the necessary repair costs; no fixed monetary ceiling is stated in the reviewed sources.

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Theft and robbery coverage

Covered

Both Teilkasko and Vollkasko cover vehicle theft and attempted theft; AutoPremium additionally covers lock replacement after theft of the vehicle key (unless the key itself was stolen from the vehicle).

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Glass damage coverage

Covered

Windscreen and glass breakage is covered under both Teilkasko and Vollkasko; in AutoPlusProtect, glass repairs can be carried out at a workshop of the customer's choice with no workshop-binding restriction and at no extra cost.

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Natural perils coverage

€10,000 – €20,000

Only in AutoPlusProtect, AutoPremium

Teilkasko/Vollkasko cover storm, hail, lightning, flood, avalanche and mudslide (Muren) damage; short-circuit follow-on damage to wiring and adjacent electrical components is covered up to 10,000 EUR (AutoPlusProtect) or 20,000 EUR (AutoPremium).

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Vandalism coverage (Vollkasko only)

Conditional

Vandalism damage to the insured vehicle is covered only under Vollkasko, not under Teilkasko.

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Roadside assistance (AutoSchutzbrief add-on)

€50

Roadside assistance is not part of the Kasko cover itself but is available as the separately bookable AutoSchutzbrief; if breakdown assistance is not organized through the insurer's ServiceCenter, reimbursement for the breakdown vehicle callout is capped at 50 EUR.

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Replacement vehicle / rental car

Optional

No limit stated

Not found in the reviewed sources with specific terms for this product line.

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Occupant accident protection (private-patient treatment)

€40

Only in AutoPlusProtect, AutoPremium

In AutoPlusProtect and AutoPremium, if the driver or a passenger requires hospitalization after an accident with the insured car, the insurer pays for private-patient treatment (chief physician, one/two-bed room), or alternatively 40 EUR/day hospital daily allowance if the occupant already has private health insurance; not included in AutoBasis.

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Key conditions

Driver age and experience limit

Not specified with concrete age/experience thresholds in the reviewed sources; the policyholder must hold a driving licence appropriate for the insured vehicle.

Repair network requirements

AutoPlusProtect offers free choice of workshop without workshop-binding; other tariffs may offer a reduced premium in exchange for binding repairs to partner workshops.

Territorial scope

Coverage applies in Germany and Europe; contractual liability limits also extend to vehicles rented abroad (Mallorca policy) for all occupants.

Anti-theft requirements

No specific anti-theft device requirements were found in the reviewed sources for this product line.

Claim notification deadline

No specific notification deadline in days was found; standard practice under German insurance law requires prompt notification of a claim.

Deductible rules

A deductible (Selbstbeteiligung) can be individually agreed for Teilkasko and Vollkasko and is a key lever for adjusting the premium; specific amounts were not confirmed for this product line in the reviewed official sources.

Where to buy

Car insurance product page / online quote
AutoPlusProtect tariff page
3-S-Konzept tariff overview

Documents

General Terms and Conditions for Motor Insurance (AKB)

Terms & conditions

Open

Insurance Product Information Document - Motor Insurance

IPID

Open

AutoSchutzbrief terms (roadside assistance add-on)

Other document

Open

Policy specifics

Wildlife collision coverage

Covers damage from collisions with wildlife (in Teilkasko and Vollkasko)

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Vandalism coverage (Vollkasko only)

Vollkasko covers damage caused by vandalism, not covered by Teilkasko

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Self-caused accident coverage (Vollkasko only)

Vollkasko covers damage from accidents the policyholder caused themselves; Teilkasko does not

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Natural disaster coverage (Teilkasko)

Teilkasko covers damage from storms, hail, flooding, lightning, and other natural events

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Glass damage coverage

Both Teilkasko and Vollkasko cover windscreen and glass damage

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Theft and robbery coverage

Both Teilkasko and Vollkasko cover vehicle theft and attempted theft

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Deductible/Self-insurance amount

Amount policyholder must pay towards each claim; typically varies by tariff and coverage type

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Repair network / Workshop binding

Some tariffs may require repairs at approved partner workshops to avoid deductible surcharges

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Claims handling and notification procedure

Policyholders must notify insurer within defined timeframe; 24/7 claims hotline available

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Damage-free years / Claims-free discount

Vollkasko only: Policyholders receive discount for each year without claims; not applicable to Teilkasko

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GAP protection for leasing vehicles

Vollkasko includes automatic GAP coverage for leased vehicles to protect against shortfall if vehicle declared total loss

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Replacement car / Rental car provision

May be available as additional coverage option to cover rental costs while vehicle is being repaired

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