Updated September 29, 2026 · AssureCue Editorial Team
Belfius vs Verti
Belfius vs Verti: the differences
| Compare |  Belfius |  Verti |
|---|---|---|
| Premium from | €8.50 | €8.17Lower |
| Insurance types | Home, Renters, Auto, Motorcycle, Van, Travel, Pet, Life, Income protection, Home emergencyCovers more | Auto, Motorcycle, Van |
| Monthly payments | YesHas it | No |
| Excess from | €325.93 | €150 to €500Lower |
| Claims channels | Mobile app, Belfius direct net, Online form, Phone, Assistance line 24 7 | Phone, Online form, Email |
| Cover limit | Not confirmed | Auto liability: EUR 100 million lump sum, EUR 15 million for personal injury |
Same on both: Provider type (Insurer).
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Key differences
- Belfius scores higher overall: 9.3 vs 9.0.
- Premium from is lower at Verti: €8.17 vs €8.50.
- Monthly payments: only Belfius.
- Excess from is lower at Verti: €150 to €500 vs €325.93.
- Insurance types: only Belfius offers Home, Renters, Travel.
- Claims channels: only Belfius offers Mobile app, Belfius direct net, Assistance line 24 7.
- Claims channels: only Verti offers Email.
- 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.
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 | Belfius | Verti |
|---|---|---|
| Cost | 8.7HigherThe starting premium of €8.50 is close to the site median of €8.37, and the lowest home excess listed is €325.93. | 8.5Car premiums start at €8.17 with excess of €150 to €500, below the site median of €8.37. |
| Offer | 9.9Higher | 9.0 |
| Trust | 9.4 | 9.4 |
Which one suits you
Pick Belfius if offer, insurance types, and monthly payments matter most.
Pick Verti if premium from and excess from matter most.
Feature by feature
| Insurance types | Belfius | Verti |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | No |
| Renters | Yes | No |
| Life | Yes | No |
| Travel | Yes | No |
| Pet | Yes | No |
| Motorcycle | Yes | Yes |
| Van | Yes | Yes |
| Income protection | Yes | No |
| Home emergency | Yes | No |
Licences and countries
| Country | Belfius | Verti |
|---|---|---|
| Belgium | Not confirmed | |
| Germany | Not confirmed |
Additional countries for Belfius: 1. Additional countries for Verti: 1.
Positions in our rankings
| Ranking | Belfius | Verti |
|---|---|---|
| Car insurance | 83 of 393 | 20 of 393 |
| Motorbike insurance | 34 of 120 | 13 of 120 |
| Van insurance | 8 of 38 | 2 of 38 |
Every fact side by side
| Fact | Belfius | Verti |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | Belfius Insurance NV | Verti Versicherung AG |
| Headquarters | Belgium | Germany |
| Founded | 1996 | 1996 |
| Support channels | Email, Chat, Phone, Help centreCovers more | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Belfius | Verti | Median |
|---|---|---|---|
| Premium from | €8.50above the median | €8.17above the median | €5.97 |
| Excess from | €325.93highest quarter | €150 to €500above the median | €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.
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
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.
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
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
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 | Belfius | Verti |
|---|---|---|
| Belgium | Yes | No |
| Germany | 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.
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.
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