Sparkassen DirektVersicherung AG (S Direktversicherung Aktiengesellschaft)
Sparkassen DirektVersicherung
Sparkassen DirektVersicherung is a motor third-party liability insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
For certain product variants, Sparkassen DirektVersicherung settles the customer's own damages directly, as if the at-fault third party were insured with them, allowing claims to be filed directly with the insurer.
Geographic scope
Nationwide (Germany)
Cover applies throughout Germany and the EU/EEA and other Green Card countries; a Mallorca policy tops up liability cover for rental vehicles abroad up to the domestic sums insured.
Unique selling points
- Automatically switches existing customers to a cheaper new tariff each year if it becomes available, without requiring the customer to act.
- AutoPlusProtect and AutoPremium include private-patient hospital treatment for the driver and all occupants after an accident.
- Up to 6% premium discount for installed driver assistance systems, plus an additional 5% discount for online conclusion.
- Own damages can be settled directly with Sparkassen DirektVersicherung as if the at-fault third party were insured with them.
- Claims can be reported around the clock via phone, app, or online form, backed by a 24/7 claims hotline.
Coverage limits
Bodily injury liability
€15,000,000
Bodily injury caused to third parties is covered up to 15 million EUR per injured person, within the overall 100 million EUR flat sum insured, identically across all three tariffs (AutoBasis, AutoPlusProtect, AutoPremium).
Property damage liability
€100,000,000
Property, financial and bodily injury damage together are covered by a flat 100 million EUR sum insured, the same in all three tariffs (AutoBasis, AutoPlusProtect, AutoPremium).
Legal defence (passive legal protection)
Not established from the insurer's documents
Not explicitly confirmed for this specific product in the reviewed sources.
Green Card / international insurance card
Not established from the insurer's documents
An international insurance card (Green Card) is issued and cover applies to the countries listed on it, per the AKB provisions on insurance protection abroad.
Roadside assistance (AutoSchutzbrief)
Optional
Optional AutoSchutzbrief add-on covers on-the-spot breakdown/accident assistance and towing to the nearest suitable garage; costs are covered in full if the insurer organises the service, otherwise capped (e.g. around 100 EUR) if arranged independently by the customer.
Driver accident cover (FahrerSchutzPlus)
€15,000,000
The optional FahrerSchutzPlus add-on covers the driver's own bodily injury in self-caused accidents (not covered by liability or casco), with cost coverage up to 15 million EUR for rehabilitation, loss of earnings and household help.
Passenger accident / hospital treatment
Conditional
Only in AutoPlusProtect, AutoPremium
Unlike AutoBasis, the AutoPlusProtect and AutoPremium tariffs include treatment of all occupants as private patients (single/double room, chief physician treatment) if hospitalisation is required after an accident, or alternatively 40 EUR daily hospital allowance.
Key conditions
Territorial scope
Cover extends across Germany, the EU and other countries listed on the Green Card; a Mallorca policy tops up cover for rental cars abroad up to the domestic sums insured if the rental vehicle's own liability cover is insufficient.
Green card rules
An international insurance card (Green Card) is issued for cross-border travel; where countries are crossed out on the card, proof of border insurance must be shown separately.
Driver restrictions
Cover extends to the policyholder and other authorised occupants/drivers of the insured vehicle, who can also assert claims directly against the insurer, unless other liability cover already applies to them.
Claim notification deadline
No specific notification deadline was found in the reviewed sources; claims can be reported at any time via app, online form or the 24/7 claims phone line.
Bonus-malus rules
Premiums are influenced by the no-claims class (Schadenfreiheitsklasse, SF-Klasse); no-claims years are preserved when switching insurer and are not lost.
Policy specifics
Mallorca Policy
Not established from the insurer's documents
Coverage for liability damages caused with rental vehicles in foreign countries when the rental vehicle's insurance is insufficient
SourceThird-party source, not the insurer's documentSource no longer reachableCoverage for gross negligence
Not established from the insurer's documents
Motor Third-Party Liability covers damages even in cases of gross negligence by the policyholder
SourceThird-party source, not the insurer's documentSource no longer reachableCoverage for collisions with animals
Not established from the insurer's documents
Motor Third-Party Liability covers damages caused by collisions with animals of all kinds without restriction to game animals
SourceThird-party source, not the insurer's documentSource no longer reachableCoverage limits for liability
Not established from the insurer's documents
Motor Third-Party Liability provides flat coverage up to 100 million EUR, with maximum 15 million EUR per injured person
SourceThird-party source, not the insurer's documentSource no longer reachable