Updated September 28, 2026 · SumCue Editorial Team
Bayzat vs DA Direkt
Bayzat
DA Direkt
Higher score in this comparison
Where Bayzat and DA Direkt differ
| Compare | BayzatReviewSee alternativesSee alternatives | DA DirektReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Auto, Health, Life | Auto, Motorcycle, Dental, Health, Pet, Home |
| Provider type | Broker | Insurer |
| Claims channels | Mobile app, Account manager | Online portal, Phone, Email, Chat |
| Premium from | Not confirmed | €6.90 |
| Monthly payments | Not confirmed | Yes |
| Cover limit | Not confirmed | Dental tariff scale: max EUR 6,000 in first 4 years (Premium Plus), unlimited from year 5 |
| Age range | 18+ | Not confirmed |
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Key differences
- DA Direkt scores higher overall: 9.4 vs 8.8.
- Founded is lower at DA Direkt: 1923 vs 2012.
- Insurance types: only Bayzat offers Life.
- Insurance types: only DA Direkt offers Motorcycle, Dental, Pet.
- Claims channels: only Bayzat offers Mobile app, Account manager.
- Claims channels: only DA Direkt offers Online portal, Phone, Email.
Our verdict on each
Bayzat
Bayzat suits people in the UAE who want auto, health and life cover arranged through one broker rather than one insurer. It has operated since 2012 and support runs on chat, email and phone. Premiums are quoted per policy, so costs depend on the cover you pick.
DA Direkt
DA Direkt is a German insurer that suits households wanting a single provider for car, dental, health, pet and home cover, with monthly payments available on dental plans. Premiums start at €6.90 and support runs on email, chat and phone, with BaFin supervising in Germany.
Score breakdown
| Area | Bayzat | DA Direkt |
|---|---|---|
| Cost | Not confirmed | 9.1Starting premium of €6.90 on dental top-up sits below the site median of €8.31, and monthly payments spread the cost. |
| Offer | 9.0 | 9.6Higher |
| Trust | 8.6 | 9.6Higher |
How they place
| Ranking | Bayzat | DA Direkt |
|---|---|---|
| Insurance | 374 of 627 | 92 of 627 |
| Health insurance | 138 of 200 | 33 of 200 |
| Car insurance | 188 of 279 | 41 of 279 |
Every fact side by side
| Fact | Bayzat | DA Direkt |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Legal entity | Not confirmed | DA Deutsche Allgemeine Versicherung Aktiengesellschaft (Amtsgericht Frankfurt am Main HRB 112118) |
| Headquarters | United Arab Emirates | Germany |
| Founded | 2012 | 1923Lower |
| Support channels | Chat, Email, Phone, Help centre | Email, Chat, Phone, Help centre |
Where each stands against the rest
| Fact | Bayzat | DA Direkt | Median |
|---|---|---|---|
| Premium from | Not confirmed | €6.90above the median | €6.02 |
Median across 116 listed providers.
Pros and cons
Bayzat
Pros
- Covers auto, health and life so several policy types sit with one broker
- Support runs on chat, email and phone for questions outside a claim
- Health claims go through mobile app and account manager, including a named account manager
Cons
- Cover spans auto, health and life, so a home or travel policy has to be placed elsewhere
- Policy age eligibility starts at 18+, which rules out younger drivers
- Claims run on mobile app and account manager for health, so other policy types rely on chat, email and phone
DA Direkt
Pros
- Dental top-up premiums start at €6.90, below the site median of €8.31.
- Monthly payments are available on the dental top-up, so the premium can be spread across the year.
- Cover spans auto, motorcycle and dental under a single insurer.
Cons
- Dental cover follows the dental tariff scale, so the amount is capped early in the policy and only becomes unlimited much later.
- Terms are written for a single market, DE, so the wording and cover are built for Germany rather than the UK.
Who each suits
Bayzat
Who it suits
- Drivers in the UAE who also want health and life cover in the same place
- People who would rather have a broker shop around than deal with one insurer
- Anyone comfortable managing their policies through the mobile app
Who should look elsewhere
- People wanting home, travel or gadget insurance, which the listed types do not include
- Drivers below the eligible age for these policies
- Shoppers who want a published premium figure before they apply
DA Direkt
Who it suits
- People wanting auto, motorcycle and dental cover from a single German insurer.
- Readers who would rather pay a dental top-up in monthly instalments than a single sum.
- Shoppers who want to reach an insurer by phone, chat or email, since support runs on email, chat and phone.
Who should look elsewhere
- Anyone chasing the lowest starting figure can look at bunq, listed at €0.
- Linxea, listed from €25, is the alternative for readers weighing a higher starting figure.
- bunq Spain matches bunq on the starting figure at €0, so it is a separate listing to compare.
Current offers
DA Direkt
Current offer
Discount code
15% discount on car, e-car and motorcycle insurance: 15% Rabatt
Displayed on the DA Direkt homepage as an ongoing offer for Autoversicherung, Elektroauto-Versicherung and Motorradversicherung
Source, checked September 26, 2026
Country by country
| Country | Bayzat | DA Direkt |
|---|---|---|
| Germany | No | Yes |
| United Arab Emirates | Yes | No |
Questions about each
Bayzat
What kinds of insurance does Bayzat arrange?+
Bayzat lists auto, health and life as its cover. That mix is worth weighing against alternatives: one of the options here lists health, life and gadget instead, and another covers auto, home and travel. Home, travel and gadget lines sit outside what Bayzat sells.
Is Bayzat an insurer or a broker?+
As a broker, Bayzat places policies with insurers rather than carrying the risk itself, so prices can differ between providers for the same type of cover. That is why it is worth asking what a quote includes. Brokers bring options rather than setting a single rate.
DA Direkt
What kinds of cover does DA Direkt sell?+
DA Direkt sells auto, motorcycle and dental cover as an insurer, so the policies sit with the company that issues them. A single provider can hold several product lines, and a household may combine dental and car cover in the same place.
How much is the cheapest cover at DA Direkt?+
Dental top-up premiums start at €6.90, and monthly payments are available, which keeps the entry cost modest. The site median for starting premiums is €8.31, and DA Direkt ranks 117 of 251 brands on this measure.
Other options to compare
Bayzat
DA Direkt