The invention relates to a disconnection and switch-over device for overvoltage protection, particularly for DC systems, comprising at least one arresting element, and a thermal cut-off point incorporated into the electrical interconnect path of the arresting element, the thermal cut-off point comprising a movable mechanically prestressed conductor element that moves from a first position to a second position in the event of a cut-off, and when the second position is reached, an electrical switch-over to a safety device is generated, and the thermal cut-off point is formed by the movable conductor element and a stationary contact element, the movable conductor element being attached to the stationary contact element by a thermally releasable means. According to the invention, a completely electrical cut-off of the arresting element regarding the interconnect path only occurs when the movable conductor element has gone beyond the second position and has reached a third position, the safety device being arranged in series with the arresting element and the movable conductor element being designed as a wiper or sliding contact in relation to the second position, the second position being created by a bypass end point.