Updated September 29, 2026 · AssureCue Editorial Team
Churchill vs Verti
Churchill vs Verti: the differences
| Compare |  Churchill |  Verti |
|---|---|---|
| Insurance types | Auto, Home, Pet, Van | Auto, Motorcycle, Van |
| Monthly payments | YesHas it | No |
| Cover limit | GBP 3,000 vets fees per condition per 12 months | Auto liability: EUR 100 million lump sum, EUR 15 million for personal injury |
| Claims channels | Phone, Online | Phone, Online form, Email |
| Premium from | Not confirmed | €8.17 |
| Excess from | Not confirmed | €150 to €500 |
Same on both: Provider type (Insurer).
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Key differences
- Churchill scores higher overall: 9.2 vs 9.0.
- Monthly payments: only Churchill.
- Insurance types: only Churchill offers Home, Pet.
- Insurance types: only Verti offers Motorcycle.
- Claims channels: only Churchill offers Online.
- Claims channels: only Verti offers Online form, Email.
- Support channels: only Churchill offers Chat.
- Support channels: only Verti offers Email.
Our verdict on each
Churchill
Churchill covers car, home, pet and van insurance from a single UK insurer, and it suits households and van operators who want one set of policies rather than separate providers. Payments run on a monthly model, and pet cover pays vets fees of GBP 3,000 vets fees per condition per 12 months.
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 | Churchill | Verti |
|---|---|---|
| Cost | 9.1Higher | 8.5Car premiums start at €8.17 with excess of €150 to €500, below the site median of €8.37. |
| Offer | 8.9 | 9.0Higher |
| Trust | 9.6Higher | 9.4 |
Where each is licensed and available
| Country | Churchill | Verti |
|---|---|---|
| Germany | Not confirmed | |
| United Kingdom | Not confirmed |
Additional countries for Churchill: 1. Additional countries for Verti: 1.
Where they rank in our lists
| Ranking | Churchill | Verti |
|---|---|---|
| Car insurance | 99 of 393 | 20 of 393 |
| Van insurance | 11 of 38 | 2 of 38 |
Side by side, item by item
| Insurance types | Churchill | Verti |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | No |
| Pet | Yes | No |
| Motorcycle | No | Yes |
| Van | Yes | Yes |
What we checked
Churchill
- churchill.com: 8 facts, checked September 26, 2026
- business.churchill.com: 1 fact, checked September 26, 2026
Verti
- verti.de: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | Churchill | Verti |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | U K Insurance Limited | Verti Versicherung AG |
| Headquarters | United Kingdom | Germany |
| Founded | Not confirmed | 1996 |
| Support channels | Help centre, Chat, Phone | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Churchill | Verti | Median |
|---|---|---|---|
| Premium from | Not confirmed | €8.17above the median | €5.97 |
| Excess from | Not confirmed | €150 to €500above the median | €70 |
Median across 109 listed insurance providers.
Pros and cons
Churchill
Pros
- Auto, home, pet and van sit with one provider: auto, home and pet.
- Monthly payments are available, and the monthly model is the only one listed: monthly.
- Support runs on a help centre, chat and phone: help centre, chat and phone.
Cons
- Monthly payments are the only pricing model, so there is no annual option: monthly.
- Claims run on phone and online only: phone and online.
- The range stops at the four lines in auto, home and pet, with no travel, life or health policies listed.
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
Churchill
Who it suits
- Families who want auto, home, pet and van policies under one insurer: auto, home and pet.
- Drivers who spread car cover across the year, since the monthly model is the only one on offer: monthly.
- Policyholders who want to reach help by help centre, chat or phone: help centre, chat and phone.
Who should look elsewhere
- Good Sam Insurance Agency suits anyone after life, health or travel policies, which sit in auto, home and renters but not in Churchill's auto, home and pet.
- Hiscox UK fits renters and landlord cover seekers, which it lists at home, renters and landlord while Churchill's auto, home and pet does not run to those 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
Churchill
Current offer
Discount code
30% off pet insurance when you buy online: 30% off first 12 months
Introductory discount applied over the first 12 months; online purchase only
Source, checked September 26, 2026
Discount code
Multi-pet discount: 10% discount
Apply online for a multi-pet policy to insure up to three cats and dogs on one policy; also available for up to 10 pets
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 | Churchill | Verti |
|---|---|---|
| Germany | No | Yes |
| United Kingdom | Yes | No |
Questions about each
Churchill
What kinds of insurance does Churchill sell?+
Churchill sells auto, home, pet and van insurance: auto, home and pet. That mix suits households and small businesses running a van, since a single provider covers the car, the house, the pet and the working vehicle. Renters, landlord and travel lines are not in the range.
Can I pay Churchill monthly or annually?+
Monthly payments are available, and the monthly model is the only one listed: monthly. There is no annual option among the pricing models, so the cost is spread across the year and set again at renewal rather than fixed in advance for the whole term.
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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