Updated September 29, 2026 · AssureCue Editorial Team
Aviva vs Verti
Where Aviva and Verti differ
| Compare |  Aviva |  Verti |
|---|---|---|
| Premium from | £5 | €8.17 |
| Insurance types | Auto, Home, Renters, Landlord, Life, Critical illness, Income protection, Health, Travel, Pet, Van, Breakdown | Auto, Motorcycle, Van |
| Monthly payments | YesHas it | No |
| Claims channels | Online, App, Phone | Phone, Online form, Email |
| Excess from | Not confirmed | €150 to €500 |
| Cover limit | Not confirmed | Auto liability: EUR 100 million lump sum, EUR 15 million for personal injury |
| Age range | 18-77 | Not confirmed |
Same on both: Provider type (Insurer).
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Key differences
- Aviva scores higher overall: 9.4 vs 9.0.
- Monthly payments: only Aviva.
- Insurance types: only Aviva offers Home, Renters, Landlord.
- Insurance types: only Verti offers Motorcycle.
- Claims channels: only Aviva offers Online, App.
- Claims channels: only Verti offers Online form, Email.
- Support channels: only Aviva offers Chat.
- Support channels: only Verti offers Email.
Our verdict on each
Aviva
Aviva suits people who want one regulated insurer for the whole family, from car and home to life and critical illness cover. Life premiums start at £5 a month, a low entry point, and the account is overseen by the Financial Conduct Authority and the Prudential Regulation Authority.
Verti
Verti Versicherung AG is a German insurer for drivers, riders and van owners who want a low entry price and a long-standing provider. Car premiums start at €8.17, with an excess of €150 to €500 and no monthly payments. Cover runs across auto, motorcycle and van.
Score breakdown
| Area | Aviva | Verti |
|---|---|---|
| Cost | 9.1HigherLife premiums start at £5, below the site median of €8.37, and monthly payments are available. | 8.5Car premiums start at €8.17 with excess of €150 to €500, below the site median of €8.37. |
| Offer | 9.4Higher | 9.0 |
| Trust | 9.6Higher | 9.4 |
Licences and countries
| Country | Aviva | Verti |
|---|---|---|
| Germany | Not confirmed | |
| United Kingdom | Financial Conduct Authority 308139 | Not confirmed |
Additional countries for Aviva: 1. Additional countries for Verti: 1.
How they place
| Ranking | Aviva | Verti |
|---|---|---|
| Car insurance | 64 of 393 | 20 of 393 |
| Business insurance | 36 of 150 | 17 of 150 |
| Van insurance | 6 of 38 | 2 of 38 |
Every fact side by side
| Fact | Aviva | Verti |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Monthly | Not confirmed |
| Legal entity | Aviva plc | Verti Versicherung AG |
| Headquarters | United Kingdom | Germany |
| Founded | Not confirmed | 1996 |
| Support channels | Phone, Chat, Help centre | Phone, Email, Help centre |
Business insurance
| Fact | Aviva | Verti |
|---|---|---|
| Cover types | Employers liability, Professional indemnity, Public liability | Not confirmed |
| Industries | vehicles, vans, rental property | Not confirmed |
Where each stands against the rest
| Fact | Aviva | Verti | Median |
|---|---|---|---|
| Excess from | Not confirmed | €150 to €500above the median | €70 |
Median across 68 listed insurance providers.
Pros and cons
Aviva
Pros
- One insurer covers auto, home and renters
- Life premiums start at £5, under the site median of €8.37
- Aviva is an insurer, so it carries the risk itself
Cons
- £5 is an entry figure on life cover
- monthly lists monthly as the only model
- Support runs on phone, chat and help centre only
Verti
Pros
- Car premiums start at €8.17, under the site median of €8.37
- Insurance types cover auto, motorcycle and van under one insurer
- Auto liability is set at a high lump sum, with a separate personal injury limit
Cons
- Excess starts at €150 to €500, so claims leave you with a share of the bill
- Home and travel are not among the lines in auto, motorcycle and van, which lists vehicle cover only
Who each suits
Aviva
Who it suits
- Families wanting car, home, renters, landlord, life, health, travel, pet, van and breakdown cover from one regulated insurer
- Older policyholders looking for life cover from an insurer listing seniors as an audience
- Landlords and vehicle businesses needing employers liability, professional indemnity and public liability
Who should look elsewhere
- Anyone wanting annual billing, since monthly lists monthly as the only model
- Readers wanting motorcycle or dental cover, neither of which appears in auto, home and renters
- Businesses needing cyber or property cover, as employers liability, professional indemnity and public liability covers only three lines
Verti
Who it suits
- Drivers who want annual cover at a low entry price
- Motorcycle and van owners wanting one provider
- Policyholders who like phone or online claim reporting
Who should look elsewhere
- Anyone who wants to spread the cost with monthly payments
- Households wanting home, travel or life cover from one insurer
Current offers
Aviva
Current offer
Bonus
Amazon.co.uk gift card reward for Life Insurance Plan: Amazon.co.uk gift card worth GBP 50 to GBP 200
Apply for a Life Insurance Plan by 9 November 2026; claim after paying six monthly premiums; max one reward per person and per policy; GBP 50 for monthly premium GBP 5-9.99, GBP 80 for GBP 10-19.99, GBP 140 for GBP 20-29.99, GBP 200 for GBP 30 or more; limited time offer, restrictions apply, may be withdrawn
Source, checked September 26, 2026
First period offer
Free life insurance when buying a home: up to 90 days free life insurance
Applies when buying a home; terms apply, see policy conditions for full details
Source, checked September 26, 2026
Verti
Current offer
Bonus
Free Fahrerschutz (driver protection) on new car policies: Cover up to EUR 500,000 per claim at no cost for the whole contract term
Only with a new car policy or tariff switch, selection must be made during the quote; cannot be added to existing contracts
Source, checked September 26, 2026
Discount code
Kasko Clever: Up to 15% reduction on the partial or full cover premium
Optional workshop binding in partial or full cover for cars; no replacement vehicle or free pick-up for pure glass damage
Source, checked September 26, 2026
Discount code
Up to 10% on the first car: 5% off liability and full cover, 10% off partial cover
Only when taking out car insurance on verti.de or by phone; not combinable with other promotions; not applicable to existing contracts
Source, checked September 26, 2026
Discount code
10% on Privathaftpflicht: 10% off the private liability premium
Only for existing Verti customers with at least one active car policy; only via verti.de or the Verti customer service
Source, checked September 26, 2026
Country by country
| Country | Aviva | Verti |
|---|---|---|
| Germany | No | Yes |
| United Kingdom | Yes | No |
Questions about each
Aviva
How much does Aviva cost as a starting point?+
Life insurance premiums start at £5. That figure sits below the site median of €8.37, where the market runs from €2.92 to €29.72. Motor, home and health cover are quoted separately rather than from this headline number.
Can I pay Aviva premiums monthly?+
Monthly payments are available and monthly lists monthly as the arrangement. That is the only model on record, so readers who prefer to settle a policy in one payment each year will not find that option here. Instalments can make a policy easier to start, though the total paid over the term is worth checking.
Verti
How much does Verti charge for car insurance?+
Car premiums start at €8.17, under the site median of €8.37. Prices across the table run as high as €3,431.08, so the starting figure is only the cheapest end. A quote depends on the vehicle and driver.
What is the excess on a Verti policy?+
The excess starts at €150 to €500 under the promotional terms. That amount is your share of a claim, so a higher excess costs less but leaves more to pay at the point of loss. The stated terms apply on the promotional offer.
Other options to compare
Other matchups
- Aviva vs Income Insurance
- Aviva vs DZI
- Aviva vs Barmenia
- Aviva vs Allianz Lebensversicherungs-AG
- Aviva vs Groupama MRH
- Aviva vs Porto Seguro
- Aviva vs RAC
- Verti vs AA Breakdown
- Verti vs Zego
- Verti vs Belfius
- Verti vs Admiral Group
- Verti vs Churchill
- Verti vs Genertel (Generali group)
- Verti vs Verti IT
- Aviva vs KS Auxilia
- Verti vs AXA
- Aviva vs CosmosDirekt
- Verti vs TIPINSURE
- Aviva vs Acko
- Aviva vs Getsafe
- Verti vs DirectAsia
- Aviva vs Gigasure
- Verti vs YouSet
- Aviva vs Eversure
- Aviva vs MoneyHero
- Aviva vs Insify.fr
- Aviva vs Emergency Assist
- Verti vs Assurland.com
Related by the facts
- Explorer Travel Insurance, also regulated by Financial Conduct Authority
- Insurance providers with Auto
- Insurance providers available in United Kingdom
- KS Auxilia, also regulated by Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
- Insurance providers with Van
- Insurance providers available in Germany