Insurer profile
Sparkassen DirektVersicherung AG (S Direktversicherung Aktiengesellschaft)
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.
Source- Legal entity
- Sparkassen DirektVersicherung AG (S Direktversicherung Aktiengesellschaft)
- Headquarters
- Düsseldorf, Germany
- Parent group
- Provinzial Holding AG / Provinzial Rheinland Versicherung AG (Provinzial Next AG)
- Regulator
- Federal Financial Supervisory Authority (BaFin)
- Phone
- +49 211 7298811
- service@sparkassen-direkt.de
- Founded
- 1996
- Last verified
- Aug 27, 2026
Products from Sparkassen DirektVersicherung AG (S Direktversicherung Aktiengesellschaft)
motor
Motor Third-Party Liability Insurance
Compulsory car liability insurance with tariffs AutoBasis, AutoPlusProtect and AutoPremium and coverage sums up to €100 million.
motor
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.
motor
Classic Car Insurance
Insurance for oldtimers, premium and enthusiast vehicles offered as part of the vehicle insurance range.
motor
Roadside Assistance Package (Schutzbrief)
Extended breakdown, accident and recovery assistance service including European-wide vehicle recovery and repatriation support.
property
Household Contents Insurance
Covers household contents against fire, burglary, water damage and storm at new-value replacement, with an extended HausratPremium tariff.
liability
Private Liability Insurance
Protects private customers financially against claims for damages caused to third parties.
health
Personal Accident Insurance
Provides financial protection against the consequences of accidents in leisure time, sport, household and traffic, valid worldwide.
liability
Legal Expenses Insurance
Sold via cooperation partners, covers legal costs for disputes in private, traffic and other areas.
travel
Travel Insurance
Travel insurance sold through cooperation partners, offering protection for trips including cancellation and medical support.
life
Risk Life Insurance
Term life insurance offered via cooperation partners to financially protect dependents in case of death.
liability
Pet Owner Liability Insurance
Protects pet owners against financial liability claims arising from damage caused by their animals.
property
Bicycle Insurance
A product of andsafe AG offering theft protection, damage/wear cover and a bicycle roadside-assistance package.
other
Technology Protection Insurance
Cooperation product covering damage to consumer electronics and technical devices.
motor
Repair Cost Protection
Cooperation product that covers repair costs for vehicles beyond standard warranty coverage.
property
Home Protection Package (Schutzbrief Haus und Wohnen)
Cooperation product offering emergency assistance services for the home.
motor
Purchase Price Protection Insurance
Cooperation product reimbursing the purchase/new price of a vehicle after total loss within a defined period.
financial
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.
pet
Dog Insurance
Dog health and surgery insurance covering veterinary treatment costs, underwritten by Uelzener Versicherungen.
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.
Reputation and reviews
Offer pages
Motor casco
Sparkassen-direkt (S-Direkt) is a motor casco insurance for the Germany market with online purchase and 24/7 assistance.
Last verified Aug 28, 2026
Motor third-party liability
Sparkassen DirektVersicherung is a motor third-party liability insurance for the Germany market with online purchase and 24/7 assistance.
Last verified Aug 28, 2026
Travel insurance
Sparkassen-DirektVersicherung is a travel insurance for the Germany market with online purchase and 24/7 assistance.
Last verified Aug 28, 2026