Genertel (Generali group) review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
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.
Key facts
- Best for
- One Italian insurer for car, home and pet cover, with monthly payments.
- Premium from
- €9 (Source, checked September 26, 2026)
- Insurance types
- Auto, Motorcycle, Van, Home, Landlord, Life, Travel, Pet (Source, checked September 26, 2026)
- Provider type
- Insurer (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Excess from
- €350 (Source, checked September 26, 2026)
- Claims channels
- Mobile app, Assistance line (24h road assistance), Online contact request form, Reserved customer area (Source, checked September 26, 2026)
- Legal entity
- Genertel SpA (Source, checked September 26, 2026)
- Headquarters
- Italy (Source, checked September 26, 2026)
- Founded
- 1994 (Source, checked September 26, 2026)
- Support channels
- Help-centre, Email, Phone (Source, checked September 26, 2026)
- Pricing model
- Monthly
- Official website
- genertel.it
Apps and profiles
- Get the app
- Google Play
Pros and cons
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.
- It underwrites the cover itself as an insurer, under IVASS licence 1.00012.
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 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.
Safety and regulation
Genertel is recorded as an insurer, so the company named on the policy is the company that carries the risk. Italian supervision comes through IVASS, with the licence recorded as 1.00012. Claims are settled by the carrier itself rather than by a site selling other insurers' policies.
Who runs it
The legal entity is Genertel SpA, headquartered in Italy and trading since 1994 as part of the Generali group. Support runs on help centre, email and phone, so help is available by phone, by email and through a help centre. The company is authorised to write this cover under IVASS licence 1.00012, and it handles its own policies.
How Genertel (Generali group) compares
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 8.8
9.2 vs 8.7
9.2 vs 9.0
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 9.3
9.2 vs 8.6- 9.2 vs 9.3
9.2 vs 9.3Max Life Insurance
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.8
9.2 vs 8.8
9.2 vs 8.6- 9.2 vs 8.4
- 9.2 vs 8.2
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Where Genertel (Generali group) is available
- Available
- Italy
- Licence in Italy
- IVASS (Istituto Italiano di Vigilanza sulle Assicurazioni Private) (1.00012), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
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.
Who regulates Genertel in Italy?+
IVASS supervises insurers in Italy, and the licence is recorded as 1.00012. Genertel is listed as an insurer, so the cover is underwritten by the company named on the policy and claims are handled by that same company.
Can I pay monthly instead of once a year?+
Yes. Monthly payments are available, and the only payment model listed is monthly. That fits anyone who would rather spread the cost across the month, and it matches 88.9% of the brands on the site.
How do I report a claim?+
Claims can be opened through mobile app, assistance line (24h road assistance) and online contact request form: the mobile app, a round-the-clock road assistance line, an online contact request form and a reserved customer area. Policy questions that are not claims are handled through help centre, email and phone.
What kinds of cover can I buy?+
The listed cover runs auto, motorcycle and van, from car and motorcycle through van, home, landlord, life, travel and pet. Health and renters-only cover are not in that list, so a household needing those would look at another provider.
Who is behind the policy?+
The legal entity is Genertel SpA, based in Italy and trading since 1994 as part of the Generali group. Being an insurer, it writes the policy itself, so the contract, the premium and the claim all sit with the same company.
How does the price compare with other brands?+
Genertel lists home cover from €9. bunq lists a premium from €0, and Euroasia Insurance from UZS 60,000. The currencies differ, so the sensible comparison sits within a single market and currency rather than across the whole list.
Sources
- genertel.it checked September 26, 2026
Backs: Insurance types
- genertel.it/assicurazioni-auto checked September 26, 2026
Backs: Claims channels, Monthly payments
- genertel.it/assicurazioni-auto/garanzie/responsabilita-ci... checked September 26, 2026
Backs: Excess from
- genertel.it/assicurazioni-casa checked September 26, 2026
Backs: Pricing model, Premium from
“Scegli se pagare a rate (mensili o ogni 6 mesi) oppure in un'unica soluzione”
- genertel.it/chi-siamo checked September 26, 2026
Backs: Founded
- genertel.it/chi-siamo/note-legali checked September 26, 2026
Backs: Legal entity, Provider type, Headquarters, Support channels, Licences
“Genertel SpA e una societa per azioni autorizzata all'esercizio dell'attivita assicurativa dall'IVASS. Num. Iscr. all'Albo dell Imprese di Assicurazione e Riassicurazione: 1.00012”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Genertel (Generali group)
One Italian insurer for car, home and pet cover, with monthly payments.