Driver protection insurance - protection against financial burdens

Februari 03, 2025

Dipublikasikan Desember 03, 2024

Approximately 400,000 people are injured every year in traffic accidents on Germany's roads. They are compensated by the motor vehicle liability insurance of the driver who caused the accident.

What many people don't know: If you as the driver cause the accident, you get nothing. Passengers and vehicle passengers, on the other hand, are protected by motor vehicle liability insurance. This can quickly become a problem: In 72% of traffic accidents, the driver himself is injured. Depending on how badly you are injured, you can expect to incur high personal expenses – e.g. for hospitalization, nursing or loss of earnings. With our driver protection insurance, you won't get into financial distress.

We compensate you in the event of accidents that you are responsible for

If you, as an authorized driver of a car, are at fault for a traffic accident yourself, are seriously injured and spend at least five nights in hospital, our driver protection insurance will pay for your financial compensation. You can also rely on DA Direkt's driver protection insurance for personal injuries caused by accidents caused by contributory causes, unknown perpetrators (e.g. in the case of a hit-and-run) or accidents due to force majeure.

If service providers such as the other party in the accident or the health insurance company pay out compensation, we will offset it and cover the difference between the remaining claims.

Driver protection insurance: your advantages

Our driver protection insurance is an additional insurance to the best car insurance from DA Direkt. You can take it out in conjunction with motor vehicle liability insurance for passenger cars in My Tariff Comfort.

Here we have compiled the most important benefits of DA Direkt driver protection insurance for you:

250 euros lump-sum emergency aid in the event of a hospital stay
up to 10,000 euros per month in the event of loss of earnings or as a benefit to surviving dependents (survivor's pension)
up to 200,000 euros in compensation for pain and suffering
up to 250,000 euros in assistance including assumption of costs (e.g. for conversion to a disabled-friendly house, car and workplace)
Telephone advice in the event of a claim
Assistance such as domestic help, driving services to the doctor, organisation of specialist appointments, help in enforcing third-party benefit claims

Frequently Asked Questions

Can I take out driver protection insurance if my vehicle is insured with another insurance company?

No. You can only take out driver protection insurance as an additional component to your existing motor vehicle liability insurance. With DA Direkt, you simply book driver protection in My Tariff Comfort in addition to your motor vehicle liability insurance.
When does driver protection insurance not pay?
There is no insurance cover if the accident happens while you are

are not wearing seatbelts,

take part in a car race,

are under the influence of alcohol and drugs.

In these cases, the insurance company does not pay. In addition, it does not pay for damage that goes beyond steering, i.e. during boarding and alighting as well as loading and unloading.
Is driver protection insurance worth it for me?
Driver protection insurance closes an important insurance gap: If you are injured as a driver in an accident that is your own fault, motor vehicle liability insurance does not pay. It only pays for the front passenger and vehicle occupants.

You take out driver protection as a component of your motor vehicle liability insurance.

The insurance cover covers accidents,

that you have caused yourself,

for which you are partly to blame,

where the driver cannot be identified (hit-and-run),

caused by collisions with animals or black ice.

Driver protection insurance gives you financial security and covers assistance, compensation for pain and suffering, loss of earnings or survivor's pension (widow's or orphan's pension).
What is the sum insured for driver protection?

There is no flat-rate sum insured for DA Direkt's driver protection insurance. Instead, there are maximum sums for the various benefits, for example, we pay up to 10,000 euros in loss of earnings per month or up to 200,000 euros in compensation for pain and suffering.
What alternatives are there to driver protection insurance?

An alternative to driver protection insurance can be private accident insurance. It covers many costs in the event of damage, but under stricter conditions. Some insurers, for example, only pay from a certain degree of disability. In addition, the benefits of accident insurance differ greatly from each other, so you must check individually whether it is worthwhile for you.

In contrast to accident insurance, passenger accident insurance only offers protection in the event of damage caused by an accident with the motor vehicle. The driver is not always automatically covered by passenger accident protection. Stiftung Warentest considers occupant accident protection to be unnecessary in most cases. The insurance cover overlaps with other insurance companies: For example, occupants and passengers are already covered by motor vehicle liability, the health insurance pays for the treatment and the employer covers the loss of earnings in the first six weeks.

Small contribution – big impact

Driver protection insurance is inexpensive and really worthwhile for you in view of the possible follow-up costs. In the case of serious injuries, the amounts from the statutory social insurance are often not sufficient. Nevertheless, only a few drivers take out driver protection insurance. With our driver protection insurance, you can close this gap.

Benefit from driver protection insurance now

Receive comprehensive financial support in the event of accidents that are your own fault and close an insurance gap
Also protect yourself in the event of accidents that are partly your fault, unknown perpetrators or accidents due to force majeure
Simply take out our inexpensive driver protection insurance as an addition to your DA Direkt motor vehicle liability insurance in My Tariff Comfort