Insurer profile

Sparkassen DirektVersicherung AG (S Direktversicherung Aktiengesellschaft)

Sparkassen DirektVersicherung AG (S Direktversicherung Aktiengesellschaft) · Germany

Founded 1996Düsseldorf, GermanyLast verified Aug 27, 2026

Overview

Sparkassen DirektVersicherung AG (S-Direkt) is a direct insurer of the Sparkassen-Finanzgruppe headquartered in Düsseldorf, specialised in motor insurance for private customers but also offering household contents, personal liability and accident insurance, with additional products distributed via cooperation partners.

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Company details

Parent group: Provinzial Holding AG / Provinzial Rheinland Versicherung AG (Provinzial Next AG)
Regulator: Federal Financial Supervisory Authority (BaFin)
Phone: +49 211 7298811
Email: [email protected]

Official website

Products from Sparkassen DirektVersicherung AG (S Direktversicherung Aktiengesellschaft)

Motor6

Motor Third-Party Liability Insurance

Compulsory car liability insurance with tariffs AutoBasis, AutoPlusProtect and AutoPremium and coverage sums up to €100 million.

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Motor Own-Damage (Comprehensive/Partial) Insurance

Partial and fully comprehensive cover for damage to the customer's own vehicle, including gross-negligence waiver and optional FahrerSchutzPlus.

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Classic Car Insurance

Insurance for oldtimers, premium and enthusiast vehicles offered as part of the vehicle insurance range.

Roadside Assistance Package (Schutzbrief)

Extended breakdown, accident and recovery assistance service including European-wide vehicle recovery and repatriation support.

Repair Cost Protection

Cooperation product that covers repair costs for vehicles beyond standard warranty coverage.

Purchase Price Protection Insurance

Cooperation product reimbursing the purchase/new price of a vehicle after total loss within a defined period.

Property3

Household Contents Insurance

Covers household contents against fire, burglary, water damage and storm at new-value replacement, with an extended HausratPremium tariff.

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Bicycle Insurance

A product of andsafe AG offering theft protection, damage/wear cover and a bicycle roadside-assistance package.

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Home Protection Package (Schutzbrief Haus und Wohnen)

Cooperation product offering emergency assistance services for the home.

Health1

Personal Accident Insurance

Provides financial protection against the consequences of accidents in leisure time, sport, household and traffic, valid worldwide.

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Liability3

Private Liability Insurance

Protects private customers financially against claims for damages caused to third parties.

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Legal Expenses Insurance

Sold via cooperation partners, covers legal costs for disputes in private, traffic and other areas.

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Pet Owner Liability Insurance

Protects pet owners against financial liability claims arising from damage caused by their animals.

Travel1

Travel Insurance

Travel insurance sold through cooperation partners, offering protection for trips including cancellation and medical support.

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Life1

Risk Life Insurance

Term life insurance offered via cooperation partners to financially protect dependents in case of death.

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Financial1

GAPcare Purchase Price Insurance

GAP insurance covering the financial shortfall between the purchase price/financing balance and the casco payout after a total loss, underwritten by ProTect Versicherung AG.

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Pet1

Dog Insurance

Dog health and surgery insurance covering veterinary treatment costs, underwritten by Uelzener Versicherungen.

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Other1

Technology Protection Insurance

Cooperation product covering damage to consumer electronics and technical devices.

Regulatory updates

Sparkassen DirektVersicherung AG is supervised by BaFin and is bundled, together with ProTect Versicherung AG, andsafe AG and (since December 2025) ÖRAG Rechtsschutzversicherungs-AG, under the Provinzial Next AG digital business unit of the Provinzial group; in the 2025 financial year Provinzial reported strong new-business growth for these digitally bundled companies, part of a wider transformation of the Provinzial Konzern.