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DA Direkt review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

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.

Key facts

Best for
A single insurer for dental, car, health, pet and home cover, with dental premiums from €6.90 payable monthly.
Premium from
€6.90↗
Insurance types
Auto, Motorcycle, Dental, Health, Pet, Home↗
Provider type
Insurer↗
Monthly payments
Yes↗
Cover limit
Dental tariff scale: max EUR 6,000 in first 4 years (Premium Plus), unlimited from year 5↗
Claims channels
Online-portal, Phone, Email, Chat↗
Legal entity
DA Deutsche Allgemeine Versicherung Aktiengesellschaft (Amtsgericht Frankfurt am Main HRB 112118)↗
Headquarters
Germany↗
Founded
1923↗
Support channels
Email, Chat, Phone, Help-centre↗
Pricing model
Monthly
Official website
da-direkt.de

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
WikidataLinkedInyoutube.com

Pros and cons

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.
  • Claims run through online portal, phone and email, and help is available on email, chat and phone.

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.
DA Direkt

Ready to try DA Direkt?

Scored 9.4 / 10 by SumCue.

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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.

How DA Direkt compares

Where DA Direkt is available

Available
Germany
Licence in Germany
Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

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.

Can I pay monthly instead of settling the premium at once?+

Yes. Monthly payments are available, and monthly is the payment model listed for the dental top-up. Paying in monthly instalments spreads the cost across the year, which suits readers whose money arrives steadily rather than in a single sum.

Who regulates DA Direkt and where is it based?+

DA Direkt is based in Germany, DE, and is supervised by BaFin, the regulator named in its licensing. Cover is written by a German joint stock company registered in Frankfurt, and the insurer has traded since 1923.

How much dental treatment does the policy cover?+

Cover follows the dental tariff scale, so the amount is capped while the policy is young and becomes unlimited only much later on. The Premium Plus tier carries the higher cap in the early years, with the unlimited stage applying once the policy has run long enough.

How do I make a claim?+

Claims run through online portal, phone and email, so a claim can be started in the online portal, by phone, by email or by chat. The mix of channels matters for urgent treatment, where a phone call moves faster than a written request.

How do I reach customer service?+

Help runs on email, chat and phone, so readers can call, write, use the chat function or work through the online help centre. Having phone and email together means a straightforward question does not have to go through a form, and chat covers quick queries.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

DA Direkt

DA Direkt

A single insurer for dental, car, health, pet and home cover, with dental premiums from €6.90 payable monthly.

9.4/10See alternatives