Updated October 17, 2026 · AssureCue Editorial Team
andsafe vs DA Direkt
Where andsafe and DA Direkt differ
| Compare |  andsafe |  DA Direkt |
|---|---|---|
| Premium from | €10.57 | €6.90Lower |
| Insurance types | Auto, Home, Travel, Pet, Bicycle | Auto, Motorcycle, Dental, Health, Pet, Home |
| Cover limit | 30 Mio. EUR | Dental tariff scale: max EUR 6,000 in first 4 years (Premium Plus), unlimited from year 5 |
| Claims channels | Online | Online portal, Phone, Email, Chat |
| Excess from | €0 | Not confirmed |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- andsafe scores higher overall: 9.6 vs 9.5.
- Premium from is lower at DA Direkt: €6.90 vs €10.57.
- Insurance types: only andsafe offers Travel, Bicycle.
- Insurance types: only DA Direkt offers Motorcycle, Dental, Health.
- Claims channels: only andsafe offers Online.
- Claims channels: only DA Direkt offers Online portal, Phone, Email.
Our verdict on each
andsafe
andsafe suits small firms in construction, cleaning, crafts, hospitality plus IT and consulting that want direct insurer cover with monthly billing. Premiums run €10.57 with indemnity of €10,000,000 and claims filed through online, which keeps routine protection simple to manage.
DA Direkt
DA Direkt is a German online insurer offering several product lines. The captured material gives the clearest detail on its dental supplementary insurance, including three named tiers, reimbursement categories and network dentist features. Terms and eligibility still depend on the selected tariff and policy documents.
Score breakdown
| Area | andsafe | DA Direkt |
|---|---|---|
| Cost | 9.4HigherPremiums run €10.57 for contents cover, with excess terms at €0 on selected liability. | 9.1 |
| Offer | 9.5Business cover spans public liability, professional indemnity and property alongside personal lines across auto, home and travel. | 9.6Higher |
| Trust | 9.8Higherandsafe acts as insurer under insurer, which keeps cover and claims in house. | 9.6 |
What each covers
| Insurance types | andsafe | DA Direkt |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Health | No | Yes |
| Travel | Yes | No |
| Pet | Yes | Yes |
| Motorcycle | No | Yes |
| Dental | No | Yes |
| Bicycle | Yes | No |
How they place
| Ranking | andsafe | DA Direkt |
|---|---|---|
| Car insurance | 4 of 375 | 5 of 375 |
| Home insurance | 3 of 273 | 4 of 273 |
| Pet insurance | 3 of 167 | 4 of 167 |
Every fact side by side
| Fact | andsafe | DA Direkt |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | andsafe Aktiengesellschaft | DA Deutsche Allgemeine Versicherung Aktiengesellschaft (Amtsgericht Frankfurt am Main HRB 112118) |
| Headquarters | Germany | Germany |
| Founded | Not confirmed | 1923 |
| Support channels | Email, Chat, Phone, Help centre | Email, Chat, Phone, Help centre |
Where each stands against the rest
| Fact | andsafe | DA Direkt | Median |
|---|---|---|---|
| Premium from | €10.57above the median | €6.90above the median | €6.02 |
| Excess from | €0below the median | Not confirmed | €50 |
Median across 116 listed insurance providers.
Pros and cons
andsafe
Pros
- Direct insurer cover across public liability, professional indemnity and property for liability and property risks in listed trades.
- Indemnity of €10,000,000 for business liability alongside private liability of 30 Mio. EUR.
- Excess terms at €0 on selected liability, with premiums run €10.57 for contents.
Cons
- Business cover centres on public liability, professional indemnity and property, while Hiscox also lists employers liability and cyber within public liability, professional indemnity and employers liability.
- Premiums run €10.57 for contents cover, which can look dear against lean entry offers elsewhere.
- Claims run through online, which may feel narrow if you prefer phone led claims handling.
DA Direkt
Pros
- The dental page sets out Komfort, Premium and Premium Plus tariff choices.
- The page describes covered treatment categories and annual dental cleaning allowances.
Cons
- Reimbursement and limits vary by tariff, so the headline maximum is not a universal payout.
- The available capture does not provide every policy exclusion or a personalized premium quote.
Who each suits
andsafe
Who it suits
- Trade and service firms that want liability plus property under public liability, professional indemnity and property from a direct insurer.
- Households that also want auto, home, travel, pet or bicycle cover under auto, home and travel in the same place.
Who should look elsewhere
- Firms that need cyber or employers liability should compare Hiscox, since andsafe centres on public liability, professional indemnity and property.
- Shoppers that want broker choice across many carriers may prefer a marketplace over a direct insurer under insurer.
DA Direkt
Who it suits
- People in Germany who want to compare supplementary dental insurance options.
Who should look elsewhere
- People who need a full policy recommendation without checking their existing statutory cover and policy terms.
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 | andsafe | DA Direkt |
|---|---|---|
| Germany | Yes | Yes |
Questions about each
andsafe
What does andsafe charge for business cover?+
Premiums run €10.57 for contents cover, while excess terms sit at €0 on selected liability. The exact amount you pay depends on trade, turnover, limits and options chosen, so use the quote path to confirm your rate before purchase.
Which types of insurance does andsafe provide?+
Business cover spans public liability, professional indemnity and property, covering public liability, professional indemnity and property risks. Personal lines span auto, home and travel, namely auto, home, travel, pet and bicycle, so you can keep several everyday policies with the same provider.
DA Direkt
What dental options does DA Direkt show?+
The captured product page lists Komfort, Premium and Premium Plus.
Are all dental costs reimbursed in full?+
The page advertises up to full reimbursement depending on tariff, but coverage depends on the treatment and policy conditions.
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