Updated September 29, 2026 · AssureCue Editorial Team
ERGO Group Deutschland vs Verti
What sets them apart
| Compare |  ERGO Group Deutschland |  Verti |
|---|---|---|
| Premium from | €3.90Lower | €8.17 |
| Insurance types | Auto, Home, Life, Health, Travel, Motorcycle, Dental, Income protection | Auto, Motorcycle, Van |
| Monthly payments | YesHas it | No |
| Cover limit | 31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg) | Auto liability: EUR 100 million lump sum, EUR 15 million for personal injury |
| Claims channels | Online, Phone | Phone, Online form, Email |
| Excess from | Not confirmed | €150 to €500 |
| Age range | Under 36 (13% start bonus for young people) | Not confirmed |
Same on both: Provider type (Insurer).
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Key differences
- ERGO Group Deutschland scores higher overall: 9.4 vs 9.0.
- Premium from is lower at ERGO Group Deutschland: €3.90 vs €8.17.
- Monthly payments: only ERGO Group Deutschland.
- Insurance types: only ERGO Group Deutschland offers Home, Life, Health.
- Insurance types: only Verti offers Van.
- Claims channels: only ERGO Group Deutschland offers Online.
- Claims channels: only Verti offers Online form, Email.
- Support channels: only ERGO Group Deutschland offers Chat.
- Support channels: only Verti offers Help centre.
Our verdict on each
ERGO Group Deutschland
ERGO Group Deutschland suits people who want one insurer for home, car and health cover, with premiums starting at €3.90 on a home policy. The support mix and monthly payment option make the account easy to run, and the price sits below the site median of €8.37.
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 | ERGO Group Deutschland | Verti |
|---|---|---|
| Cost | 9.3HigherPremiums start at €3.90 on the Smart home policy, under the site median of €8.37, with monthly payments available. | 8.5Car premiums start at €8.17 with excess of €150 to €500, below the site median of €8.37. |
| Offer | 9.1Higher | 9.0 |
| Trust | 9.6Higher | 9.4 |
What each covers
| Insurance types | ERGO Group Deutschland | Verti |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | No |
| Life | Yes | No |
| Health | Yes | No |
| Travel | Yes | No |
| Motorcycle | Yes | Yes |
| Van | No | Yes |
| Dental | Yes | No |
| Income protection | Yes | No |
Where they rank in our lists
| Ranking | ERGO Group Deutschland | Verti |
|---|---|---|
| Car insurance | 7 of 393 | 20 of 393 |
| Business insurance | 8 of 150 | 17 of 150 |
| Motorbike insurance | 4 of 120 | 13 of 120 |
Where these facts come from
ERGO Group Deutschland
- ergo.de: 10 facts, checked September 26, 2026
- ergo.com: 1 fact, checked September 26, 2026
Verti
- verti.de: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | ERGO Group Deutschland | Verti |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | ERGO Group AG | Verti Versicherung AG |
| Headquarters | Germany | Germany |
| Founded | Not confirmed | 1996 |
| Support channels | Email, Chat, Phone | Phone, Email, Help centre |
Business insurance
| Fact | ERGO Group Deutschland | Verti |
|---|---|---|
| Cover types | Public liability, Cyber, Property | Not confirmed |
Where each stands against the rest
| Fact | ERGO Group Deutschland | Verti | Median |
|---|---|---|---|
| Premium from | €3.90below the median | €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
ERGO Group Deutschland
Pros
- Premiums start at €3.90 on the Smart home policy, below the site median of €8.37
- Monthly payments are available, so the cost spreads across the year rather than landing in one bill
- Support runs on email, chat and phone, so you can reach a person on chat, email or phone
Cons
- The starting premium of €3.90 belongs to the Smart home policy for a small flat, so it reads as an entry point rather than a price for a larger home
- The age band shown is Under 36 (13% start bonus for young people), so the starting price applies to a narrower group
- Support runs on email, chat and phone only, with no branch or broker option 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
ERGO Group Deutschland
Who it suits
- Households in Germany who want home, car, health, life, travel, motorbike, dental and income protection from one insurer
- Renters or flat owners who want monthly payments instead of a single annual bill
- Small businesses that need public liability, cyber or property cover alongside personal lines
Who should look elsewhere
- Shoppers whose main need is professional or employers liability, since business cover is limited to public liability, cyber and property
- People wanting pet or renters insurance, as neither appears in auto, home and life
- Anyone who wants branch or in person service, since support runs on email, chat and phone only
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
ERGO Group Deutschland
Current offer
Bonus
13% start bonus for young people on ERGO Hausratversicherung: 13%
Granted while the policyholder has not yet reached age 36; applied automatically
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 | ERGO Group Deutschland | Verti |
|---|---|---|
| Germany | Yes | Yes |
Questions about each
ERGO Group Deutschland
What does ERGO Group Deutschland cost to start with?+
The published entry price is €3.90, attached to the Smart home policy. The site median for this field is €8.37, and the lower quartile is €2.92, so the starting figure sits in the cheaper part of the market range. It applies to that one home product rather than every policy.
Can I pay monthly instead of in one payment?+
Yes. Monthly payments are available, so the premium can be spread over the year rather than paid as a single sum. That is the payment model listed for this insurer, and it is the norm across the site, where 88.9% is the share of brands offering it.
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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