Updated September 29, 2026 · AssureCue Editorial Team
Genertel (Generali group) vs Verti
Genertel (Generali group) vs Verti: the differences
| Compare |  Genertel (Generali group) |  Verti |
|---|---|---|
| Premium from | €9 | €8.17Lower |
| Insurance types | Auto, Motorcycle, Van, Home, Landlord, Life, Travel, PetCovers more | Auto, Motorcycle, Van |
| Monthly payments | YesHas it | No |
| Excess from | €350 | €150 to €500Lower |
| Claims channels | Mobile app, Assistance line (24h road assistance), Online contact request form, Reserved customer area | 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
- Genertel (Generali group) scores higher overall: 9.2 vs 9.0.
- Founded is lower at Genertel (Generali group): 1994 vs 1996.
- Premium from is lower at Verti: €8.17 vs €9.
- Monthly payments: only Genertel (Generali group).
- Excess from is lower at Verti: €150 to €500 vs €350.
- Insurance types: only Genertel (Generali group) offers Home, Landlord, Life.
- Claims channels: only Genertel (Generali group) offers Mobile app, Assistance line (24h road assistance), Online contact request form.
- Claims channels: only Verti offers Phone, Online form, Email.
Our verdict on each
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.
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 | Genertel (Generali group) | Verti |
|---|---|---|
| Cost | 8.7Higher | 8.5Car premiums start at €8.17 with excess of €150 to €500, below the site median of €8.37. |
| Offer | 9.5Higher | 9.0 |
| Trust | 9.4 | 9.4 |
Where they rank in our lists
| Ranking | Genertel (Generali group) | Verti |
|---|---|---|
| Car insurance | 108 of 393 | 20 of 393 |
| Motorbike insurance | 48 of 120 | 13 of 120 |
| Van insurance | 13 of 38 | 2 of 38 |
Choosing between them
Pick Genertel (Generali group) if offer, insurance types, and monthly payments matter most.
Pick Verti if premium from and excess from matter most.
What we checked
Genertel (Generali group)
- genertel.it: 11 facts, checked September 26, 2026
Verti
- verti.de: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | Genertel (Generali group) | Verti |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | Genertel SpA | Verti Versicherung AG |
| Headquarters | Italy | Germany |
| Founded | 1994Lower | 1996 |
| Support channels | Help centre, Email, Phone | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Genertel (Generali group) | Verti | Median |
|---|---|---|---|
| Premium from | €9above the median | €8.17above the median | €5.97 |
| Excess from | €350highest quarter | €150 to €500above the median | €70 |
Median across 109 listed insurance providers.
Pros and cons
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.
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
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.
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
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
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 | Genertel (Generali group) | Verti |
|---|---|---|
| Germany | No | Yes |
| Italy | Yes | No |
Questions about each
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.
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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