Updated October 17, 2026 · AssureCue Editorial Team
DA Direkt vs die Bayerische
Where DA Direkt and die Bayerische differ
| Compare |  DA Direkt |  die Bayerische |
|---|---|---|
| Premium from | €6.90 | €2.09Lower |
| Insurance types | Auto, Motorcycle, Dental, Health, Pet, Home | Auto, Home, Motorcycle, Life, Health, Dental, Travel, Pet, Income protection, GadgetCovers more |
| Cover limit | Dental tariff scale: max EUR 6,000 in first 4 years (Premium Plus), unlimited from year 5 | 100 million EUR (E-Scooter-Versicherung) |
| Claims channels | Online portal, Phone, Email, Chat | Online, Post, Phone |
| Excess from | Not confirmed | €0 to €35 |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- die Bayerische scores higher overall: 9.6 vs 9.5.
- Founded is lower at die Bayerische: 1858 vs 1923.
- Premium from is lower at die Bayerische: €2.09 vs €6.90.
- Insurance types: only die Bayerische offers Life, Travel, Income protection.
- Claims channels: only DA Direkt offers Online portal, Email, Chat.
- Claims channels: only die Bayerische offers Online, Post.
Our verdict on each
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.
die Bayerische
die Bayerische is a German insurer writing business since 1858, and it suits people who want personal lines and business cover from one underwriter. It scores 8 overall, with premiums starting at €2.09 on the mobile phone liability line and monthly payments available.
Score breakdown
| Area | DA Direkt | die Bayerische |
|---|---|---|
| Cost | 9.1 | 9.4HigherEntry premium €2.09 sits below the site median, €8.37, and below the lower quartile, €2.92. |
| Offer | 9.6 | 9.6 |
| Trust | 9.6 | 9.7Higher |
Availability and regulation
| Country | DA Direkt | die Bayerische |
|---|---|---|
| Germany |
Available in 1 country for both.
How they place
| Ranking | DA Direkt | die Bayerische |
|---|---|---|
| Car insurance | 5 of 375 | 52 of 375 |
| Home insurance | 4 of 273 | 37 of 273 |
| Health insurance | 5 of 216 | 32 of 216 |
| Pet insurance | 4 of 167 | 31 of 167 |
| Motorbike insurance | 2 of 120 | 20 of 120 |
| Dental insurance | 3 of 50 | 11 of 50 |
Every fact side by side
| Fact | DA Direkt | die Bayerische |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | DA Deutsche Allgemeine Versicherung Aktiengesellschaft (Amtsgericht Frankfurt am Main HRB 112118) | BY die Bayerische Vorsorge Lebensversicherung a.G. |
| Headquarters | Germany | Germany |
| Founded | 1923 | 1858Lower |
| Support channels | Email, Chat, Phone, Help centre | Phone, Email, Chat, Help centre |
Business insurance
| Fact | DA Direkt | die Bayerische |
|---|---|---|
| Cover types | Not confirmed | Public liability, Property |
| Industries | Not confirmed | Retail, construction, cleaning, hospitality and health professions |
Where each stands against the rest
| Fact | DA Direkt | die Bayerische | Median |
|---|---|---|---|
| Premium from | €6.90above the median | €2.09lowest quarter | €6.02 |
| Excess from | Not confirmed | €0 to €35below the median | €50 |
Median across 116 listed insurance providers.
Pros and cons
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.
die Bayerische
Pros
- Premiums start at €2.09 on the mobile phone liability line, and the excess on that same line runs €0 to €35, so a small loss can cost nothing to settle.
- die Bayerische underwrites the risk itself as insurer, writing auto, home and motorcycle for households and public liability and property for businesses, so cover and claims stay with one company.
- Monthly payments are available, so a premium is spread across the year rather than paid in one sum.
Cons
- The entry premium and the cover limit come from different products: €2.09 is quoted for the mobile phone line, while 100 million EUR (E-Scooter-Versicherung) applies to e-scooter cover, so neither figure describes a motor or home policy.
- Renters cover is missing from auto, home and motorcycle, whereas Good Sam Insurance Agency includes it in auto, home and renters.
- Business cover is limited to public liability and property, a narrower set than the market, where professional indemnity alone is offered by 63.5% of the brands on the site.
Who each suits
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.
die Bayerische
Who it suits
- Households that want dental, health and income protection from the same insurer as their motor and home cover, since auto, home and motorcycle lists all of them.
- Small trades in sectors such as shops, building work, cleaning services, hospitality venues and health practices, the industries die Bayerische names for its public liability and property.
- People who prefer spreading a premium across the year, since monthly payments are available here.
Who should look elsewhere
- Renters who want contents cover, since Good Sam Insurance Agency lists renters in auto, home and renters and die Bayerische does not.
- Shoppers chasing a free starting price elsewhere, since bunq lists €0 against the €2.09 entry premium quoted here.
- Readers comparing a single market, since EuroAsia Insurance quotes from UZS 60,000 in a different currency and the two figures do not line up.
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
die Bayerische
Current offer
Bonus
Happybrush voucher or toothbrush with Zahnzusatzversicherung: Voucher or Happybrush toothbrush
On conclusion of a Zahnzusatzversicherung, depending on the tariff chosen
Source, checked September 26, 2026
Country by country
| Country | DA Direkt | die Bayerische |
|---|---|---|
| Germany | Yes | Yes |
Questions about each
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.
die Bayerische
What is the lowest premium at die Bayerische?+
The lowest premium listed is €2.09, quoted for the mobile phone liability cover, and the excess on that same line runs €0 to €35. That entry figure places die Bayerische at 50 of 252 brands ranked on the site's premium measure.
Can I pay monthly rather than in one payment?+
Monthly payments are available, and monthly payment is the only model die Bayerische lists, monthly. The monthly amount itself is set in the policy wording for the line you choose, so the entry premium quoted on the site is a starting point rather than a figure for every product.
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