What DA Direkt does

DA Direkt (legal name: DA Deutsche Allgemeine Versicherung Aktiengesellschaft) is a German online direct insurance company headquartered in Frankfurt am Main. The company is a wholly-owned subsidiary of Zurich Insurance Group and operates under a direct-to-consumer model, selling insurance products entirely through its website (da-direkt.de) without physical branches. Its product portfolio centers on five core categories: motor vehicle insurance (Kfz), dental supplementary insurance, health supplementary insurance, pet health insurance, and home & family coverage including private liability, household contents, legal protection, and accident insurance. Distribution is conducted across paid search, display advertising, social media, email newsletters, affiliate networks (AWIN, financeAds, Aklamio), and customer referral programs.

The company operates an online insurance platform featuring customer self-service capabilities through the 'Meine DA Direkt' portal, where policyholders can manage contracts, view documents, submit claims, and adjust coverage. Tariff calculators enable online premium calculation and policy purchase, while a Sales Avatar AI chat function handles text-based customer inquiries with automatic anonymization of personal identifiers. Telephone and live chat support operate 24/7 across 365 days. The platform architecture consolidates multiple insurance product lines behind a unified digital account, with dedicated customer sub-portals for dental, health supplementary, and pet insurance contracts.

DA Direkt generates revenue through recurring insurance premiums under monthly subscription billing. Pricing includes a three-tier dental structure (Komfort, Premium, Premium Plus) offering up to 100% cost reimbursement, 15% discounts on motor vehicle insurance, and monthly cancellation flexibility. The company serves individual consumers across Germany—primarily vehicle owners, statutory health insurance members seeking dental supplements, pet owners, and families—rather than enterprise or commercial clients. Multiple product lines have received independent recognition, including six consecutive 'sehr gut' (0.5) ratings from Stiftung Warentest Finanzen for its Premium Plus dental tariff, a TOP-Bewertung from €uro-Magazin for Kfz insurance, and a 'Fairster Tierversicherer' rating from Focus Money for pet insurance.

Name

DA Direkt

Legal name

DA Deutsche Allgemeine Versicherung Aktiengesellschaft

Website

https://da-direkt.de

Company type

Private

Founded year

1923

Operating status

Operating

Headcount range

1–10 employees

Short description

DA Direkt (DA Deutsche Allgemeine Versicherung AG) is a Frankfurt am Main-based online direct insurer and wholly-owned subsidiary of Zurich Insurance Group, selling motor vehicle, dental, health, pet, and home & family insurance to individual consumers in Germany via its website and self-service portal.

Ownership category

akta.pro rank

Product category

Direct Personal Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Health and Medical Insurance Carriers (524114), Insurance Carriers (5241)

SIC

Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321), Insurance Carriers, Nec (6399)

akta.pro primary industry

Commercial Package / Business Owners Policies (BOP) (FSAJAMAG)

akta.pro secondary industry

Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)

Keywords

• Direct insurance
• Motor vehicle insurance
• Dental supplementary insurance
• Personal lines insurance
• Online insurance

Headquarters

HQ city

Frankfurt

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Insurance Premiums: DA Direkt generates revenue through recurring insurance premiums paid by customers for coverage including Kfz (vehicle), dental, supplementary health, pet, liability, household contents, legal protection, and accident insurance.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

DA Direkt is an online direct insurer selling personal insurance products directly to consumers via its website and call center. The company offers motor vehicle (Kfz) insurance, dental supplementary insurance, health supplementary insurance, pet health insurance, and household/family coverage (liability, household contents, legal expenses, accident). Customers calculate premiums, purchase, and manage policies through online tariff calculators and the Meine DA Direkt self-service customer portal.

Product overview

DA Direkt (DA Deutsche Allgemeine Versicherung AG) is a leading online direct insurer in Germany and part of the Zurich Insurance Group. The company offers a portfolio of online insurance products centered around four main categories: Kfz-Versicherung (motor vehicle insurance covering cars, motorcycles, scooters, electric vehicles, motorhomes, and trailers), Zahnzusatzversicherung (dental supplementary insurance with three tiers up to 100% coverage), Krankenzusatzversicherung (health supplementary insurance), and Tierkrankenversicherung (pet health insurance for dogs and cats). Additional products include Hausratversicherung (household contents), Haftpflichtversicherung (liability), Rechtsschutzversicherung (legal expenses), and Unfallversicherung (accident insurance). The core offering emphasizes online self-service through the 'Meine DA Direkt' customer portal, tariff calculators, and 24/7 availability.

Differentiator

Problem solved

Functional benefit

Products and services

• Kfz-Versicherung (Motor Vehicle Insurance) Comprehensive motor vehicle insurance for individual vehicle owners covering cars, motorcycles, scooters, electric vehicles, mopeds, motorhomes, caravans, and trailers with liability, partial comprehensive, and fully comprehensive coverage options. Includes a 15% premium discount.
• Zahnzusatzversicherung (Dental Supplementary Insurance) Supplementary dental insurance for statutorily insured individuals available in three tariff tiers (Komfort, Premium, Premium Plus) with up to 100% reimbursement of treatment costs, no waiting periods, and access to a network of over 500 quality-checked dentists. Monthly cancellation flexibility.
• Krankenzusatzversicherung (Health Supplementary Insurance) Supplementary health insurance providing additional coverage beyond statutory health insurance for medical treatments and healthcare services for individuals.
• Tierkrankenversicherung (Pet Health Insurance) Pet health insurance covering dogs and cats, including medical treatments and surgical procedures, with sub-products for dog health, dog surgery, cat health, and cat surgery coverage.
• Haftpflichtversicherung (Personal Liability Insurance) Personal liability insurance coverage for individuals and families, including pet owner liability (Tierhalter-Haftpflicht), protecting against financial liability claims in daily life.
• Hausratversicherung (Household Contents Insurance) Insurance covering household contents and personal belongings against damage such as fire, water, theft, and other insured risks for individuals and families.
• Rechtsschutzversicherung (Legal Expenses Insurance) Legal expenses insurance covering costs of legal disputes for individuals and families in areas such as private, traffic, employment, and property law matters.
• Unfallversicherung (Accident Insurance) Personal accident insurance providing financial protection for individuals and families against the consequences of accidents, including disability and invalidity coverage.

Quantifiable outcome

• Stiftung Warentest rating of 0.5 (very good) for dental insurance Premium Plus - 6th consecutive time
• +1 more outcomes

Segments4 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature3 records

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Others

• Check24: Major German comparison platform including insurance, banking, and telecom. Check24 is a key distribution and price-competition channel for DA Direkt's product lines and a major force in commoditizing personal lines insurance.
• Verivox: Leading German price comparison platform for insurance, energy, and financial products. While not a direct insurer, Verivox routes consumer demand to direct insurers including DA Direkt and drives price transparency that pressures margins.

Direct peers

• CosmosDirekt: Generali Germany's online direct insurer operating in life, health, and general insurance with a strong focus on Kfz and supplementary health. CosmosDirekt competes directly with DA Direkt across multiple product lines within the same German direct channel.
• ERGO Direkt: Munich Re's online direct insurer offering Kfz, travel, household, and personal protection insurance in Germany. ERGO Direkt competes directly with DA Direkt in the digital direct channel with similar multi-line product breadth.
• Allianz Direct: Allianz's pan-European direct insurer with a strong German footprint offering Kfz, household, and liability insurance online. Allianz Direct is a direct competitor leveraging the Allianz brand and capital strength, very similar to DA Direkt's Zurich-backed positioning.
• HUK24: HUK-COBURG's online direct insurance arm offering Kfz, household, liability, and legal protection insurance in Germany. HUK24 is the most direct competitor to DA Direkt's online direct-to-consumer model, with a particular stronghold in motor vehicle insurance.
• Verti Versicherung: MAPFRE's German direct insurer offering Kfz, household, liability, and legal protection insurance online. Verti is a direct competitor in the German direct insurance market with a comparable online-first distribution model.

Regional players

• Admiral Group: UK-headquartered direct insurer focused on motor and household insurance across multiple European markets. Admiral is a regional peer demonstrating the European direct insurance business model, though operating primarily outside Germany.

Broad incumbents

• Generali Deutschland: Broader German insurance operations of the Generali Group, spanning life, health, and P&C through multiple brands including CosmosDirekt. Functions as a broad incumbent competitor that includes DA Direkt's direct-channel competitor CosmoDirekt.

Emerging players

• Getsafe: German insurtech offering digital insurance products including household and personal liability through a mobile-first flow. Getsafe is an emerging digital-native player targeting similar consumers with comparable digital UX.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/dadirektversicherung
• Facebookfacebook.com/dadirekt
• Instagraminstagram.com/dadirekt
• Xx.com/DADirekt
• LinkedInlinkedin.com/company/da-direkt

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about DA Direkt