Updated September 28, 2026 · AssureCue Editorial Team
Belfius vs Genertel (Generali group)
Belfius vs Genertel (Generali group): the differences
| Compare |  Belfius |  Genertel (Generali group) |
|---|---|---|
| Premium from | €8.50Lower | €9 |
| Insurance types | Home, Renters, Auto, Motorcycle, Van, Travel, Pet, Life, Income protection, Home emergency | Auto, Motorcycle, Van, Home, Landlord, Life, Travel, Pet |
| Excess from | €325.93Lower | €350 |
| Claims channels | Mobile app, Belfius direct net, Online form, Phone, Assistance line 24 7 | Mobile app, Assistance line (24h road assistance), Online contact request form, Reserved customer area |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Belfius scores higher overall: 9.3 vs 9.2.
- Founded is lower at Genertel (Generali group): 1994 vs 1996.
- Premium from is lower at Belfius: €8.50 vs €9.
- Excess from is lower at Belfius: €325.93 vs €350.
- Insurance types: only Belfius offers Renters, Income protection, Home emergency.
- Insurance types: only Genertel (Generali group) offers Landlord.
- Claims channels: only Belfius offers Mobile app, Belfius direct net, Online form.
- Claims channels: only Genertel (Generali group) offers Mobile app, Assistance line (24h road assistance), Online contact request form.
- Support channels: only Belfius offers Chat.
Our verdict on each
Belfius
Belfius is a Belgian insurer writing home, pet, vehicle and life cover itself, with a lowest premium of €8.50. It suits households that want one provider and monthly terms; anyone who needs health cover alongside these should weigh Good Sam Insurance Agency instead.
Genertel (Generali group)
Genertel suits Italian households and drivers who want car, home, motorcycle, van, life, travel and pet cover from one insurer and can pay monthly instead of up front. It sits at 135 of 252 brands on starting premium, so the entry price sits in the middle of the field.
Score breakdown
| Area | Belfius | Genertel (Generali group) |
|---|---|---|
| Cost | 8.7The starting premium of €8.50 is close to the site median of €8.37, and the lowest home excess listed is €325.93. | 8.7 |
| Offer | 9.9Higher | 9.5 |
| Trust | 9.4 | 9.4 |
What each covers
| Insurance types | Belfius | Genertel (Generali group) |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | Yes | No |
| Life | Yes | Yes |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Motorcycle | Yes | Yes |
| Van | Yes | Yes |
| Landlord | No | Yes |
| Income protection | Yes | No |
| Home emergency | Yes | No |
Licences and countries
| Country | Belfius | Genertel (Generali group) |
|---|---|---|
| Belgium | Not confirmed | |
| Italy | Not confirmed |
Additional countries for Belfius: 1. Additional countries for Genertel (Generali group): 1.
How they place
| Ranking | Belfius | Genertel (Generali group) |
|---|---|---|
| Car insurance | 83 of 393 | 108 of 393 |
| Home insurance | 66 of 272 | 94 of 272 |
| Life insurance | 62 of 261 | 92 of 261 |
| Travel insurance | 92 of 291 | 117 of 291 |
| Pet insurance | 44 of 161 | 56 of 161 |
| Motorbike insurance | 34 of 120 | 48 of 120 |
| Van insurance | 8 of 38 | 13 of 38 |
Every fact side by side
| Fact | Belfius | Genertel (Generali group) |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Belfius Insurance NV | Genertel SpA |
| Headquarters | Belgium | Italy |
| Founded | 1996 | 1994Lower |
| Support channels | Email, Chat, Phone, Help centreCovers more | Help centre, Email, Phone |
Where each stands against the rest
| Fact | Belfius | Genertel (Generali group) | Median |
|---|---|---|---|
| Premium from | €8.50above the median | €9above the median | €5.97 |
| Excess from | €325.93highest quarter | €350highest quarter | €70 |
Median across 109 listed insurance providers.
Pros and cons
Belfius
Pros
- One insurer writes home, renters and auto, so several household policies sit with a single provider.
- Claims can be opened through mobile app, belfius direct net and online form, from a mobile app to phone and an assistance line.
- The underwriting company, Belfius Insurance NV, has traded since 1996.
Cons
- Support runs on email, chat and phone only, with no counter service in the list.
- Health cover does not appear in home, renters and auto, where Good Sam Insurance Agency lists it.
- Cost pulls the overall score down to 2.8, and the cost part reads 2.8.
Genertel (Generali group)
Pros
- Cover runs auto, motorcycle and van, so a household can keep car, home, life, travel and pet with the same carrier.
- Monthly payments are available, and the listed payment model is monthly.
- Support runs on help centre, email and phone, and claims can be opened through mobile app, assistance line (24h road assistance) and online contact request form.
Cons
- The motor third-party liability excess starts at €350, so smaller claims are not settled in full.
- Starting premium sits at 135 of 252 brands, against a site median of €8.37, which puts the entry price in the middle of the field.
- Support runs on help centre, email and phone, with no live chat listed.
Who each suits
Belfius
Who it suits
- Belgian households wanting home, renters, vehicle and pet policies from one insurer, given home, renters and auto.
- Pet owners and renters who would rather pay a monthly premium than settle it in one go.
Who should look elsewhere
- Households that need health cover: Good Sam Insurance Agency lists it and home, renters and auto does not.
- Buyers chasing the lowest entry price, since bunq quotes €0 against €8.50.
- Readers who want a non-euro quote alongside this one, where Euroasia Insurance starts at UZS 60,000.
Genertel (Generali group)
Who it suits
- Households that want car, motorcycle, van, home, landlord, life, travel and pet under a single roof (auto, motorcycle and van).
- Drivers who prefer opening claims by app, by phone or through the online form in mobile app, assistance line (24h road assistance) and online contact request form.
- Anyone budgeting month by month rather than annually, since monthly payments are available.
Who should look elsewhere
- Price-first readers who are happy with bunq, where the listed premium starts at €0.
- Motor buyers comparing a single market, where Euroasia Insurance lists premiums from UZS 60,000.
- Shoppers after health or renters cover: Good Sam Insurance Agency includes both in auto, home and renters, while Genertel does not list them in auto, motorcycle and van.
Current offers
Belfius
Current offer
First period offer
2 months discount on the first year premium of Belfius Home fire insurance for tenants: 2 months off the 1st year premium
New Belfius Home tenant home policy signed between 15 June and 18 October 2026 inclusive, subject to acceptance of the application by Belfius Insurance NV
Source, checked September 26, 2026
Bonus
Media option of the fire insurance refunded in year 1 when combined with a Proximus package: 1st year of the Media option paid back (cashback)
Sign a Belfius Home home policy plus a Beats Flex+ telecom package between 15 June and 18 October 2026 inclusive; see campaign regulations
Source, checked September 26, 2026
First period offer
Under-35 discount on the first year premium of new Belfius Home policies: Exclusive discounts on the first year premium
All new Belfius Home home policies subscribed in a branch or via the Belfius Mobile app or Belfius Direct Net, subject to acceptance of the risk by Belfius Insurance NV
Source, checked September 26, 2026
Genertel (Generali group)
Current offer
Discount code
Sconto immediato di 25 EUR su polizza Auto, Moto, Furgoni e Van: 25 EUR
Purchase the policy online autonomously; customer service assistance voids the discount
Source, checked September 26, 2026
Bonus
Promozione Assicurazione Vita Genertel: Buono Regalo Amazon.it fino a 200 EUR: up to 200 EUR Amazon.it gift voucher
Valid 21/09/2026 to 31/12/2026, voucher from 25 EUR to 200 EUR depending on policy premium, restrictions apply
Source, checked September 26, 2026
Bonus
Genertel e partner di PAYBACK: 50 PAYBACK points
Buy a Genertel policy among those in promotion
Source, checked September 26, 2026
Country by country
| Country | Belfius | Genertel (Generali group) |
|---|---|---|
| Belgium | Yes | No |
| Italy | No | Yes |
Questions about each
Belfius
What does Belfius cover cost to start?+
The lowest premium quoted is €8.50, which places Belfius at 128 of 252 on starting price across the brands tracked here. The median starting premium is €8.37, so the entry point sits near the middle of the market rather than the floor.
Can I pay monthly instead of settling the premium in one go?+
Yes. Monthly payments are available, and monthly lists monthly as the only model, so a home or pet premium is spread across the year. The trade-off is that the whole policy is paid over time rather than settled in a single payment.
Genertel (Generali group)
What does Genertel cost to get started with?+
Home cover is priced from €9. On starting premium that puts Genertel at 135 of 252 brands ranked here, and the site median is €8.37. So the entry point sits close to the middle of the field rather than at the cheap end.
Is there an excess to pay on car claims?+
On motor third-party liability the excess starts at €350, which is the share of a claim the insurer leaves with the policyholder. A claim under that figure is not settled in full. That is the excess figure listed, and other parts of a policy carry their own terms.