Updated October 17, 2026 · AssureCue Editorial Team
DA Direkt vs Income Insurance
Where DA Direkt and Income Insurance differ
| Compare |  DA Direkt |  Income Insurance |
|---|---|---|
| Premium from | €6.90 | SGD 0.60 |
| Insurance types | Auto, Motorcycle, Dental, Health, Pet, Home | Auto, Home, Life, Health, Travel, Pet, Motorcycle |
| Cover limit | Dental tariff scale: max EUR 6,000 in first 4 years (Premium Plus), unlimited from year 5 | S$8,500 - S$27,000 maximum annual coverage per policy year (Happy Tails Pet Insurance) |
| Claims channels | Online portal, Phone, Email, Chat | Phone, Email, Online form, Mobile app, Customer portal |
| Monthly payments | Yes | Not confirmed |
| Excess from | Not confirmed | SGD 250 |
| Age range | Not confirmed | Pet insured must be at least 16 weeks old and below 9 years old at policy start |
Same on both: Provider type (Insurer).
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Key differences
- DA Direkt scores higher overall: 9.5 vs 9.4.
- Founded is lower at DA Direkt: 1923 vs 1970.
- Insurance types: only DA Direkt offers Dental.
- Insurance types: only Income Insurance offers Life, Travel.
- Claims channels: only DA Direkt offers Online portal, Chat.
- Claims channels: only Income Insurance offers Online form, Mobile app, Customer portal.
- Support channels: only DA Direkt offers Chat.
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.
Income Insurance
Income Insurance suits anyone who wants a single insurer to hold several personal policies from a company based in Singapore, and it scores 5.6 here. On entry price it ranks 24 of 252 brands, so get a quote on your own details before committing to any plan.
Score breakdown
| Area | DA Direkt | Income Insurance |
|---|---|---|
| Cost | 9.1 | 9.1Premiums from SGD 0.60 sit below the site median of €8.37, while the pet excess starts at SGD 250. |
| Offer | 9.6 | 9.6 |
| Trust | 9.6Higher | 9.5 |
Availability and regulation
| Country | DA Direkt | Income Insurance |
|---|---|---|
| Germany | Not confirmed |
Additional countries for DA Direkt: 1. Additional countries for Income Insurance: 1.
How they place
| Ranking | DA Direkt | Income Insurance |
|---|---|---|
| Car insurance | 5 of 375 | 8 of 375 |
| Home insurance | 4 of 273 | 7 of 273 |
| Health insurance | 5 of 216 | 7 of 216 |
| Pet insurance | 4 of 167 | 6 of 167 |
| Motorbike insurance | 2 of 120 | 5 of 120 |
Every fact side by side
| Fact | DA Direkt | Income Insurance |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Not confirmed |
| Legal entity | DA Deutsche Allgemeine Versicherung Aktiengesellschaft (Amtsgericht Frankfurt am Main HRB 112118) | Income Insurance Limited |
| Headquarters | Germany | Singapore |
| Founded | 1923Lower | 1970 |
| Support channels | Email, Chat, Phone, Help centreCovers more | Phone, Email, Help centre |
Business insurance
| Fact | DA Direkt | Income Insurance |
|---|---|---|
| Cover types | Not confirmed | Professional indemnity |
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.
Income Insurance
Pros
- A single insurer for the lot: auto, home and life and professional indemnity can sit with the same company, so personal and trade policies need not be split across providers.
- Claim handling runs through phone, email and online form, so you can start a claim by whichever route suits the moment, from a form to a call.
- Support is listed as phone, email and help centre, so a quote or renewal question has a phone line, an inbox and a help centre behind it.
Cons
- The pet excess starts at SGD 250, so a routine claim still leaves that amount with you before the insurer pays anything.
- The pet age range rules older animals out: the pet must be above a minimum age and below a maximum age at the policy start.
- The pet cover limit moves through a fixed annual range under Happy Tails Pet Insurance rather than a single high ceiling, so a costly year at the vet can outrun the policy.
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.
Income Insurance
Who it suits
- Anyone who wants their auto, home and life cover gathered under a single insurer rather than split across providers.
- Seniors, named as an audience on seniors, and households that still want a phone line on phone, email and help centre.
- Pet owners whose animal sits inside the age window and whose yearly vet bills stay under the pet cover limit.
Who should look elsewhere
- Anyone chasing the lowest entry figure on its own: bunq starts at €0, which is the number to weigh before settling on Income Insurance.
- Renters who need contents-only cover, since Good Sam Insurance Agency lists auto, home and renters and that line is missing from auto, home and life.
- Pet owners with older animals or very large veterinary bills, who are better served by a pet-focused insurer than by Income Insurance.
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
Income Insurance
Current offer
Discount code
Up to 20% off + 188,000 STAR$ on Domestic Helper Insurance: up to 20% off + 188,000 STAR$
Promo code GDH188 at checkout for qualifying policies purchased via Income Insurance website or My Income app
Source, checked September 26, 2026
Bonus
Up to 8% cashback on first-year premium for Complete Life Secure: up to 8% cashback on first-year premium
Purchase of an eligible Complete Life Secure plan, with Early Critical Secure rider
Source, checked September 26, 2026
Country by country
| Country | DA Direkt | Income Insurance |
|---|---|---|
| Germany | Yes | No |
| Singapore | No | 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.
Income Insurance
How much does cover start at?+
Premiums begin at SGD 0.60. That is the entry figure across Income Insurance products and a starting point rather than a quote for your own situation. The cover you pick and the details you give shape the price you are offered, so read it as the entry point of the range, not the amount you are likely to pay.
Is there an excess to pay on a claim?+
On Happy Tails Pet Insurance, the excess starts at SGD 250. The excess is the part of a claim you cover yourself before the insurer pays the rest. A lower excess is gentler on a routine vet visit, while a higher starting excess keeps the premium smaller. Picture a normal appointment and check that the amount you would pay alone still feels comfortable.
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