Updated October 17, 2026 · AssureCue Editorial Team
ARAG vs DA Direkt
ARAG vs DA Direkt: the differences
| Compare |  ARAG |  DA Direkt |
|---|---|---|
| Premium from | €14.73 | €6.90Lower |
| Insurance types | Home, Health, Dental, Pet, Travel, Gadget | Auto, Motorcycle, Dental, Health, Pet, Home |
| Cover limit | Unlimited legal expenses sum insured in Europe (Kompakt: EUR 350,000 worldwide) | Dental tariff scale: max EUR 6,000 in first 4 years (Premium Plus), unlimited from year 5 |
| Claims channels | Online, Phone | 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
- DA Direkt scores higher overall: 9.5 vs 9.4.
- Founded is lower at DA Direkt: 1923 vs 1935.
- ARAG is available in 17 more countries.
- Premium from is lower at DA Direkt: €6.90 vs €14.73.
- Insurance types: only ARAG offers Travel, Gadget.
- Insurance types: only DA Direkt offers Auto, Motorcycle.
- Claims channels: only ARAG offers Online.
- Claims channels: only DA Direkt offers Online portal, Email, Chat.
Our verdict on each
ARAG
ARAG is a German insurer founded in 1935 that writes home, health, dental, pet, travel and gadget cover on a monthly basis. It suits readers who want several household risks placed with the insurer itself, and who can live with a legal expenses limit that is fixed outside Europe.
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 | ARAG | DA Direkt |
|---|---|---|
| Cost | 9.1Entry premium of €14.73 sits above the lower-quartile price of €2.92 and the typical price of €8.37. | 9.1 |
| Offer | 9.3 | 9.6Higher |
| Trust | 9.6 | 9.6 |
Where each is licensed and available
| Country | ARAG | DA Direkt |
|---|---|---|
| Germany |
Available in 1 country for both. Additional countries for ARAG: 17.
How they place
| Ranking | ARAG | DA Direkt |
|---|---|---|
| Home insurance | 50 of 273 | 4 of 273 |
| Health insurance | 41 of 216 | 5 of 216 |
| Pet insurance | 38 of 167 | 4 of 167 |
| Dental insurance | 15 of 50 | 3 of 50 |
Side by side, item by item
| Insurance types | ARAG | DA Direkt |
|---|---|---|
| Auto | No | Yes |
| Home | Yes | Yes |
| Health | Yes | Yes |
| Travel | Yes | No |
| Pet | Yes | Yes |
| Motorcycle | No | Yes |
| Dental | Yes | Yes |
| Gadget | Yes | No |
A third option
KS/AUXILIA has premium from at €5.04, against €14.73 for ARAG and €6.90 for DA Direkt.
KS/AUXILIA reviewEvery fact side by side
| Fact | ARAG | DA Direkt |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | ARAG SE | DA Deutsche Allgemeine Versicherung Aktiengesellschaft (Amtsgericht Frankfurt am Main HRB 112118) |
| Headquarters | Germany | Germany |
| Founded | 1935 | 1923Lower |
| Support channels | Email, Chat, Phone, Help centre | Email, Chat, Phone, Help centre |
Where each stands against the rest
| Fact | ARAG | DA Direkt | Median |
|---|---|---|---|
| Premium from | €14.73above 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
ARAG
Pros
- Premium starts at €14.73 with an excess of €0, so nothing is deducted from a legal expenses claim before payment.
- ARAG is the insurer itself, insurer, so the contract sits with the company that pays the claim rather than a broker.
- Home, health, dental, pet, travel and gadget cover all sit with the same provider under home, health and dental, so a household need not shop each line separately.
Cons
- The starting premium of €14.73 is above the typical price of €8.37 across the comparison, so cheaper entry points exist.
- Auto and life are missing from home, health and dental, while Good Sam Insurance Agency lists both in auto, home and renters.
- Claims are handled on online and phone, a narrower set of routes than the email, chat and phone offered for general service.
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
ARAG
Who it suits
- Households wanting home, health, dental, pet, travel and gadget cover written by the insurer itself under home, health and dental.
- Readers who pay monthly, since monthly payments are available and monthly is the only pricing model listed.
- Anyone weighing a claim with no money deducted first, because the excess on the legal expenses policy is €0.
Who should look elsewhere
- Drivers or life savers, since Good Sam Insurance Agency covers auto and life in auto, home and renters while ARAG's home, health and dental does not list them.
- Buyers who need landlord or renters policies, because Hiscox UK sells both under home, renters and landlord and ARAG's list stops at home, health, dental, pet, travel and gadget.
- Readers shopping purely on the lowest entry price, as €14.73 sits above the typical price of €8.37 and Euroasia Insurance quotes from UZS 60,000.
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
ARAG
Current offer
Discount code
ARAG Recht und Heim package: 20% discount
Legal expenses, home contents and liability insurance bundle; claimed directly on the ARAG German site
Source, checked September 26, 2026
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 | ARAG | DA Direkt |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| Canada | Yes | No |
| Denmark | Yes | No |
| Finland | Yes | No |
| Greece | Yes | No |
| Ireland | Yes | No |
| Italy | Yes | No |
8 of 18 countries where either is available.
Questions about each
ARAG
What does ARAG cost to start with?+
The listed entry premium is €14.73, set on monthly terms for the legal expenses policy. That sits above the typical price of €8.37 and above the lower-quartile price of €2.92 across the comparison, so ARAG is priced in the middle of the field rather than at the budget end. The excess on that policy is €0.
Can I pay monthly instead of one annual sum?+
Yes. Monthly payments are available and monthly is the only pricing model listed, so the policy is not sold as a single annual payment. The same pattern runs across the comparison, with 88.9% of the listed brands offering monthly payments. Readers who set money aside each month are paying on the terms most of this market uses.
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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