DA Deutsche Allgemeine Versicherung Aktiengesellschaft
DA Direkt
DA Direkt is a motor third-party liability insurance for the Germany market with online purchase and limited assistance availability.
Direct payment
As a direct insurer, DA Direkt is authorized to settle or defend third-party claims directly in the policyholder's name (Regulierungsvollmacht), paying valid claims in cash and defending unfounded claims at its own cost.
Geographic scope
Europe within its geographical borders and non-European territories belonging to the European Union
Coverage applies throughout geographical Europe and EU non-European territories; the Schutzbrief (roadside assistance) additionally covers non-European Mediterranean bordering states; coverage can be extended to other listed countries via the International Insurance Card (Green Card).
Unique selling points
- Flat 100 million EUR combined liability coverage sum per event, well above the German statutory minimum.
- Automatic 'Mallorca Policy' protection for rental cars, motorcycles and camper vans driven abroad on holiday.
- Free hospital daily allowance for belted occupants injured in an accident, included at no extra premium.
- Second-car policies can inherit the first car's no-claims class up to SF 30, cutting the cost of insuring an additional vehicle.
Coverage limits
Bodily injury liability coverage limit
€8,000,000 – €15,000,000
DA Direkt offers a flat combined coverage sum of 100 million EUR per event for personal injury, property damage and pure financial loss together; compensation per injured person is capped at 15 million EUR in the standard tariff and at 8 million EUR in the Basis tariff. A statutory minimum coverage sum can also be selected.
Property damage liability coverage limit
€100,000,000
Property damage (and pure financial loss) is covered under the same flat combined sum of 100 million EUR per event shared with bodily injury claims; no separate per-claimant sublimit applies to property damage.
Defence against unfounded liability claims
Covered
DA Direkt is authorized and obliged to defend the policyholder against unfounded or partly unfounded third-party claims at its own cost; costs incurred by the insurer for this defence are not deducted from the agreed sum insured.
International Insurance Card (Green Card)
Covered
On request, DA Direkt issues an International Insurance Card (Green Card) extending third-party liability coverage to the non-European countries listed on the card, provided the country name is not struck out, at least to the level required by this contract.
Schutzbrief roadside/travel assistance
Optional
Sold as a legally separate contract (Schutzbriefversicherung), it covers e.g. up to 150 EUR for on-the-spot breakdown recovery, up to 200 EUR for towing, up to 100 EUR per night (max 600 EUR/day) for accommodation, a replacement car up to 50 EUR/day for up to 7 days, and up to 350 EUR for a rental car return trip if the breakdown/theft occurs abroad.
Fahrerschutz (driver accident protection)
€200,000
Available as a paid Leistungs-Extra add-on, requiring an MTPL policy with DA Direkt on a Pkw and no S/M claims class. Covers the driver's own personal injury while driving (subsidiary to third-party claims), including pain-and-suffering compensation up to 200,000 EUR, loss of earnings up to 10,000 EUR/month, disability-adapted conversions up to 250,000 EUR, an immediate hospital lump sum of 250 EUR, and a funeral cost lump sum of 5,000 EUR.
Hospital daily allowance for belted occupants (Gurtklausel)
€280
Included free of charge within the MTPL policy: if a belted occupant of the insured Pkw suffers an accident requiring hospitalisation, DA Direkt pays 10 EUR per person per calendar day from the first day, for a maximum of 28 days (up to 280 EUR total). Broader personal accident cover for all occupants is available separately via the optional Kraftfahrtunfallversicherung, with sums insured as stated in the policy schedule.
Key conditions
Territorial scope
Coverage applies throughout geographical Europe and the non-European territories of the EU; extension to other countries must be separately agreed, and an International Insurance Card can extend liability cover further.
Green card rules
If issued, the International Insurance Card (IVK) extends MTPL coverage to the non-European countries listed on it, as long as the country name is not struck through; coverage follows at least the scope of this contract. The card can be requested from the insurer.
Driver restrictions
The vehicle may only be used by a driver authorised by the person entitled to dispose of the vehicle, who holds the legally required driving licence; the permitted circle of drivers is a rating factor (Tarifmerkmal) recorded on the policy schedule and its unauthorised extension can lead to a reduction or loss of cover.
Claim notification deadline
Any event that may lead to a claim must be reported within one week; claims asserted against the policyholder out of court must likewise be reported within one week of being raised. Property damage expected not to exceed 1,000 EUR may first be settled directly by the policyholder and only needs to be reported if self-settlement fails.
Bonus-malus rules
Premiums are based on no-claims classes (SF 0 to SF 50 for cars) with KH rates ranging from 100% (Class 0) down to 16% (SF 50), plus malus classes S and M for heavily claims-loaded contracts; a second vehicle can receive the same no-claims classification as the first vehicle up to a maximum of SF 30, and classes are reassessed annually on 1 January based on the prior year's claims history.
Where to buy
Documents
General Terms and Conditions for Motor Insurance (AKB), as of 07 August 2024
Terms & conditions
General Terms and Conditions for Motor Insurance (AKB) - alternate hosting URL
Terms & conditions
MTPL product overview page (coverage sums, extras)
Table of benefits
Motor insurance product landing page
Other document
Policy specifics
Third-party liability coverage limit
DA Direkt offers 100 million euros flat coverage sum (Pauschaldeckung) for third-party liability insurance with up to 15 million euros coverage per injured person
SourceRental car coverage abroad (Mallorca Policy)
Coverage extends to rented vehicles in European countries when on holiday, providing third-party liability protection for rental cars
SourceBonus-malus system (claim-free years classification)
DA Direkt applies bonus-malus rating for motor third-party liability insurance based on claim-free years; second vehicle can receive same classification as first vehicle up to SF 30
SourceMobility service / rental car replacement
DA Direkt provides free replacement vehicle (small rental car) for the duration of repairs following a covered claim in motor third-party liability insurance
SourceAuthorized repair network requirement
DA Direkt works with authorized partner workshops for claims settlement; repairs with authorized partners may have reduced deductibles
Source