Updated October 17, 2026 · AssureCue Editorial Team
DA Direkt vs WAS Insurance
DA Direkt vs WAS Insurance: the differences
| Compare |  DA Direkt |  WAS Insurance |
|---|---|---|
| Insurance types | Auto, Motorcycle, Dental, Health, Pet, Home | Travel, Pet |
| Provider type | Insurer | Broker |
| Cover limit | Dental tariff scale: max EUR 6,000 in first 4 years (Premium Plus), unlimited from year 5 | Unlimited medical |
| Claims channels | Online portal, Phone, Email, Chat | Phone, Email, Online |
| Premium from | €6.90 | Not confirmed |
| Excess from | Not confirmed | A$100 |
| Age range | Not confirmed | 18-99 |
Same on both: Monthly payments (Yes).
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Key differences
- DA Direkt scores higher overall: 9.5 vs 8.9.
- Insurance types: only DA Direkt offers Auto, Motorcycle, Dental.
- Insurance types: only WAS Insurance offers Travel.
- Claims channels: only DA Direkt offers Online portal, Chat.
- Claims channels: only WAS Insurance offers Online.
- Support channels: only DA Direkt offers Chat, Help centre.
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.
WAS Insurance
WAS Insurance suits travellers and pet owners in AU who want a broker with help via email and phone. It accepts a wide age span of 18-99 for cover, so you can check eligibility and claim options before you compare quotes.
Score breakdown
| Area | DA Direkt | WAS Insurance |
|---|---|---|
| Cost | 9.1Higher | 9.0Pet claims carry excess of AUD 100 per claim. |
| Offer | 9.6Higher | 8.8Range covers travel and pet only, focused on travel and pet. |
| Trust | 9.6Higher | 8.8Wiseandsilent Pty Ltd holds licence 536280 under ASIC. |
Licences and countries
| Country | DA Direkt | WAS Insurance |
|---|---|---|
| Australia | Not confirmed | ASIC 536280 |
| Germany | Not confirmed |
Additional countries for DA Direkt: 1. Additional countries for WAS Insurance: 1.
What each covers
| Insurance types | DA Direkt | WAS Insurance |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Health | Yes | No |
| Travel | No | Yes |
| Pet | Yes | Yes |
| Motorcycle | Yes | No |
| Dental | Yes | No |
What we checked
DA Direkt
- da-direkt.de: 10 facts, checked September 26, 2026
- de.wikipedia.org: 1 fact, checked September 26, 2026
WAS Insurance
- wiseandsilent.com: 11 facts, checked September 29, 2026
How they place
| Ranking | DA Direkt | WAS Insurance |
|---|---|---|
| Pet insurance | 4 of 167 | 14 of 167 |
Every fact side by side
| Fact | DA Direkt | WAS Insurance |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | DA Deutsche Allgemeine Versicherung Aktiengesellschaft (Amtsgericht Frankfurt am Main HRB 112118) | Wiseandsilent Pty Ltd |
| Headquarters | Germany | Australia |
| Founded | 1923 | Not confirmed |
| Support channels | Email, Chat, Phone, Help centreCovers more | Email, Phone |
Where each stands against the rest
| Fact | DA Direkt | WAS Insurance | Median |
|---|---|---|---|
| Premium from | €6.90above the median | Not confirmed | €6.02 |
| Excess from | Not confirmed | A$100above the median | A$0 |
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.
WAS Insurance
Pros
- Travel medical protection is listed as Unlimited medical, which addresses high hospital bills abroad.
- Claims accept phone, email and online, so you can call, email or file online when you need help.
- Billing follows monthly and monthly payments are available, which spreads premiums across the year.
Cons
- Range stays limited to travel and pet, so auto or home needs sit elsewhere.
- Support runs on email and phone only, so chat help is outside email and phone.
- Pet claims include excess of AUD 100, which adds to vet bills.
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.
WAS Insurance
Who it suits
- Travellers who want medical led cover should shortlist WAS Insurance over andsafe, thanks to Unlimited medical.
- Pet owners who want phone and online claims should prefer WAS Insurance to LV=, with routes via phone, email and online.
- Budget planners who want to spread premiums should pick WAS Insurance over die Bayerische, as billing follows monthly.
Who should look elsewhere
- Drivers or homeowners who need auto or home cover should consider andsafe, as WAS Insurance covers travel and pet only.
- Shoppers wanting life, health or income protection should consider die Bayerische, which goes beyond travel and pet.
- Households wanting auto, home and life in one place should consider LV=, rather than the focused travel and pet.
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 | DA Direkt | WAS Insurance |
|---|---|---|
| Australia | No | Yes |
| Germany | Yes | No |
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.
WAS Insurance
Is WAS Insurance an insurer or a broker?+
WAS Insurance works as a broker based in Australia under the name Wiseandsilent Pty Ltd. That means it arranges cover rather than underwriting it directly, so you should read each policy for insurer details and terms.
How is WAS Insurance regulated in Australia?+
Australian oversight comes through ASIC under licence 536280 held by Wiseandsilent Pty Ltd. You can search the licence register before you buy, and keep policy documents for any later query about cover or claims.
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