Updated September 29, 2026 · SumCue Editorial Team
Allianz Direct Versicherungen DE vs BoatUS
Allianz Direct Versicherungen DE
Higher score in this comparison
BoatUS
Where Allianz Direct Versicherungen DE and BoatUS differ
| Compare | Allianz Direct Versicherungen DEReviewSee alternativesSee alternatives | BoatUSReviewSee alternativesSee alternatives |
|---|---|---|
| Premium from | €6.06 | $25 |
| Provider type | Insurer | Broker |
| Excess from | €150 | $100 |
| Cover limit | Kfz-Haftpflicht: up to 100 million EUR sum insured, max 15 million EUR per injured person | $1,000,000 |
| Claims channels | Online portal, Phone, Email | Online, Phone |
| Insurance types | Auto, Motorcycle, Home, Travel | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- Allianz Direct Versicherungen DE scores higher overall: 9.1 vs 8.8.
- Founded is lower at BoatUS: 1966 vs 2005.
- Claims channels: only Allianz Direct Versicherungen DE offers Online portal, Email.
- Claims channels: only BoatUS offers Online.
- Support channels: only Allianz Direct Versicherungen DE offers Email, Chat.
Our verdict on each
Allianz Direct Versicherungen DE
Allianz Direct suits German households who want several kinds of personal cover bought and managed online, with car premiums of €6.06 and an overall score of 4.1 out of ten. It is a direct insurer rather than a broker, so you handle quotes, documents and claims yourself.
BoatUS
BoatUS is a broker for boat owners in the US, scoring 3.5 on a page where most brands are banking and savings products. Cover can reach $1,000,000 from a $25 premium floor, which suits owners of a boat and nobody else.
Score breakdown
| Area | Allianz Direct Versicherungen DE | BoatUS |
|---|---|---|
| Cost | 8.9HigherThe car premium of €6.06 is below the site median of €8.31, ranking 109 of 251 brands on price. | 8.8 |
| Offer | 9.3Higher | 8.4 |
| Trust | 9.2Higher | 9.1 |
How they place
| Ranking | Allianz Direct Versicherungen DE | BoatUS |
|---|---|---|
| Insurance | 213 of 627 | 378 of 627 |
Sources behind this comparison
Allianz Direct Versicherungen DE
- allianzdirect.de: 12 facts, checked September 26, 2026
BoatUS
- boatus.com: 9 facts, checked September 26, 2026
- linkedin.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Allianz Direct Versicherungen DE | BoatUS |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | Allianz Direct Versicherungs-AG | Boat Owners Association of The United States |
| Headquarters | Germany | United States |
| Founded | 2005 | 1966Lower |
| Support channels | Email, Chat, Phone, Help centreCovers more | Phone, Help centre |
Pros and cons
Allianz Direct Versicherungen DE
Pros
- A single insurer holds auto, motorcycle and home policies, so car, motorcycle, home and travel cover can sit with the same provider.
- Monthly payments are available, so cover can be paid for month by month rather than as a single annual sum.
- Support runs on email, chat and phone, giving you phone, chat, email and a help centre.
Cons
- An excess of €150 applies on car cover, so smaller losses can be cheaper to absorb than to claim.
- The product list stops at auto, motorcycle and home, with no life, health or pet lines.
- Claims run through online portal, phone and email, so no broker or adviser works the file on your behalf.
BoatUS
Pros
- Monthly payments are available, spreading the $25 starting premium across the year.
- Claims start online and phone, so a loss can be reported without post.
- Cover runs to $1,000,000, a useful ceiling on a high value craft's total loss payout.
Cons
- Support runs on phone and help centre only, so there is no live chat or email route.
- As a broker in the US, BoatUS is built around boat cover rather than everyday saving and borrowing.
- A $100 excess is deducted from a claim before cover pays.
Who each suits
Allianz Direct Versicherungen DE
Who it suits
- Drivers and motorcyclists in Germany who want cover with monthly payments.
- Households that want car, home and travel policies from the same insurer and are happy to manage them online.
Who should look elsewhere
- People after life, health or pet insurance, which sits outside auto, motorcycle and home.
- People shopping for a bank account or savings pot instead: bunq and bunq Spain start at €0, and Linxea is a life savings product starting at €25.
BoatUS
Who it suits
- US boat owners who want a broker placing their cover and can pay monthly.
- Owners of expensive craft who need cover reaching $1,000,000.
- People who want the policy handled by a long standing owner body: BoatUS is Boat Owners Association of The United States, trading since 1966.
Who should look elsewhere
- Anyone after a bank account rather than boat cover: bunq and bunq Spain start at €0 and €0 on their own products.
- Readers saving for the long term: Linxea's €25 entry point sits in a different product family.
Current offers
Allianz Direct Versicherungen DE
Current offer
Bonus
15 EUR Amazon voucher with Direct-Preis-Gaudi 2026 private liability or household contents policy: 15 EUR Amazon voucher
Take out a Privathaftpflicht or Hausratversicherung policy by 29.09.2026
Source, checked September 26, 2026
Country by country
| Country | Allianz Direct Versicherungen DE | BoatUS |
|---|---|---|
| Germany | Yes | No |
| United States | No | Yes |
Questions about each
Allianz Direct Versicherungen DE
How much does car cover cost at Allianz Direct?+
The advertised car premium is €6.06. That is the entry figure: the median across car policies on the site is €8.50, and the median across all insurance brands is €8.31. Allianz Direct sits at position 109 of 251 on the site's premium ranking.
Is there an excess to pay on a car claim?+
Yes. The excess on car cover is €150, the share of a car claim you pay yourself before the insurer covers the rest. Buying cover mainly to handle small losses is worth weighing against that amount.
BoatUS
What does boat insurance from BoatUS cost?+
Premium starts at $25, and monthly payments are available, so that figure can be spread rather than paid in one go. Across the comparison set BoatUS sits at 180 of 251 brands on starting premium, above the insurance median of €7.95.
Can I pay the premium monthly?+
Monthly payments are available, so the $25 starting premium does not have to be settled at once. That matches most of this market, where 89% of the brands ranked offer the same choice. A premium that starts at $25 is easier to absorb month by month than in one payment for most boat owners.
Other options to compare
Allianz Direct Versicherungen DE
BoatUS