Change or stay? DA Direct vs Huk24

Hello together, I’ve been with the HUK24 for some time and was actually pretty sure that I had the cheapest provider. Now I get 20% with the DA-Direkt through a company discount. Now there is a difference with identical services of almost 800€ between both. Of course I looked at the ABBs of both and read some through. However, I would also like to ask for current experiences with the DA-Direkt. Specifically, this is about a comprehensive with independent workshop and personal protection in the SF class 3 (2021). Since I had no damage to date, I can’t compare my experience here. However, according to research, the Huk24 seems to me to be the safe insurer. Would you like to change?