The cost of car insurance depends on many factors: The motor vehicle insurer takes into account the age and driving experience of the policyholder, mileage, occupation and place of residence, any passengers, where the car is parked, the type of vehicle – and other points that only matter to you can partially actively influence.
Car insurance: liability or comprehensive insurance?
What you can influence, however, is the choice of insurance: Motor vehicle liability is required by law in Germany. If you don’t have one, you can’t even register your car. It pays for damage that you cause to others with your car.
Comprehensive insurance is voluntary. It offers additional protection and insures damage that occurs to your vehicle. There are two types of comprehensive insurance: Partial comprehensive insurance is the cheaper product, which usually covers fire, explosion, theft, robbery, storm, hail, lightning, flood, glass breakage, damage caused by game and short-circuit – i.e. damage that the insurer can do without own guilt arose.
Fully comprehensive insurance goes one step further. This also insures damage to the vehicle caused by a self-inflicted accident or vandalism. However: fully comprehensive is usually significantly more expensive than partially comprehensive, as it covers more risks.
For whom is fully comprehensive insurance worthwhile?
Whether a fully comprehensive insurance is worthwhile depends primarily on the value of your vehicle. Comprehensive insurance is particularly worthwhile for new or young used cars that are not more than five years old. You should always lock it for leased vehicles or loan-financed vehicles, as it will step in if the vehicle is damaged or lost. Speaking of which: if you urgently need the vehicle for work, fully comprehensive insurance will quickly provide you with a replacement vehicle if you need one – at no additional cost.
DA Direkt impresses with top price and performance
Whichever car insurance you choose, it does not have to be expensive despite the extensive benefits. Direct insurance companies in particular, which work with lean processes and, for example, without field service, pass their savings directly on to customers. With the “Comfort” tariff from DA Direkt, for example, you can save up to 51 percent on insurance premiums compared to other providers. This favorable offer from the direct insurer was crowned test winner by the Stiftung Warentest in the current issue (11/2021). The testers rated the contribution level far better than the average.
How much you actually pay for the insurance of your car is very individual, as – as already explained above – it depends on many different factors. Hardly any motor insurance holder is like another.
This is what the motor vehicle policies from DA Direkt offer
● Motor vehicle liability insurance: You and your car are optimally protected with 100 million euros lump-sum coverage and up to 15 million euros coverage per injured person. The sums cover damage regardless of whether it concerns people, vehicles or property. A so-called Mallorca policy is also included. This is a liability insurance for rental vehicles when traveling. If the sum insured for the vehicle is insufficient in the event of a claim, the difference will be paid up to the contractually agreed amount.
● Partial insurance: The policy offers you additional insurance protection in the event of damage to your own vehicle. The insurance covers, for example, damage caused by theft, storm, hail, lightning strike, fire, explosion, flood, vandalism following theft and damage to the glazing. The “comfort” tariff from DA Direkt also covers short-circuit damage to the cabling and damage caused by animal bites.
● Fully comprehensive insurance: With DA Direkt, in addition to all partial coverage benefits, it covers the costs of self-inflicted accident damage to your own vehicle as well as willful or malicious damage by third parties.
● Personal customer service: In the event of damage or if you have any questions, a customer advisor is available for you personally at DA Direkt around the clock, 365 days a year.