Updated September 29, 2026 · AssureCue Editorial Team
RAC vs Verti
Where RAC and Verti differ
| Compare |  RAC |  Verti |
|---|---|---|
| Premium from | £166 | €8.17 |
| Insurance types | Auto, Home, Van, Motorcycle, Travel, BreakdownCovers more | Auto, Motorcycle, Van |
| Monthly payments | YesHas it | No |
| Claims channels | Phone, Chat | Phone, Online form, Email |
| Excess from | Not confirmed | €150 to €500 |
| Cover limit | Not confirmed | Auto liability: EUR 100 million lump sum, EUR 15 million for personal injury |
| Age range | 17-99 | Not confirmed |
Same on both: Provider type (Insurer).
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Key differences
- RAC scores higher overall: 9.2 vs 9.0.
- Founded is lower at RAC: 1897 vs 1996.
- Monthly payments: only RAC.
- Insurance types: only RAC offers Home, Travel, Breakdown.
- Claims channels: only RAC offers Chat.
- Claims channels: only Verti offers Online form, Email.
- Support channels: only RAC offers Chat, Community.
- Support channels: only Verti offers Email.
Our verdict on each
RAC
RAC Insurance is a GB insurer with a long history and a wide book of personal lines, suited to people who want car, home, van, motorbike, travel and breakdown cover from one monthly provider. It sits well down the premium ranking, with car premiums from £166.
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 | RAC | Verti |
|---|---|---|
| Cost | 8.6HigherCar premiums from £166 sit well above the site median of €8.37, with monthly payments as the only pricing model in monthly. | 8.5Car premiums start at €8.17 with excess of €150 to €500, below the site median of €8.37. |
| Offer | 9.3Higher | 9.0 |
| Trust | 9.7Higher | 9.4 |
Where each is licensed and available
| Country | RAC | Verti |
|---|---|---|
| Germany | Not confirmed | |
| United Kingdom | Financial Conduct Authority 310208 | Not confirmed |
Additional countries for RAC: 1. Additional countries for Verti: 1.
What each covers
| Insurance types | RAC | Verti |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | No |
| Travel | Yes | No |
| Motorcycle | Yes | Yes |
| Van | Yes | Yes |
| Breakdown | Yes | No |
How they place
| Ranking | RAC | Verti |
|---|---|---|
| Car insurance | 113 of 393 | 20 of 393 |
| Motorbike insurance | 51 of 120 | 13 of 120 |
| Van insurance | 14 of 38 | 2 of 38 |
Sources behind this comparison
RAC
- rac.co.uk: 11 facts, checked September 26, 2026
Verti
- verti.de: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | RAC | Verti |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | RAC Financial Services Limited | Verti Versicherung AG |
| Headquarters | United Kingdom | Germany |
| Founded | 1897Lower | 1996 |
| Support channels | Phone, Chat, Help centre, Community | Phone, Email, Help centre |
Where each stands against the rest
| Fact | RAC | Verti | Median |
|---|---|---|---|
| Excess from | Not confirmed | €150 to €500above the median | €70 |
Median across 68 listed insurance providers.
Pros and cons
RAC
Pros
- One insurer for the full personal book: car, home, van, motorbike, travel and breakdown in auto, home and van
- Monthly payments confirmed across the book, with monthly the only model listed in monthly
- Support runs on phone, chat and help centre, and claims can be started by phone or chat in phone and chat
Cons
- Car premiums start at £166, above the site median of €8.37
- Van and breakdown cover sit in a small part of the market, 7.7% and 9.9% of brands
- Help centre and community are listed for support, so written and peer help sits behind the phone and chat options in phone, chat and help centre
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
RAC
Who it suits
- GB drivers and households who hold a car, van, motorbike or home policy
- People who pay premiums monthly rather than in a single sum
- Anyone who wants a claims line by phone or chat, per phone and chat
Who should look elsewhere
- People chasing the lowest entry price, since £166 is far above €8.37
- Shoppers who want pet, life or health cover added to the same policy, none of which appear in auto, home and van
- Drivers outside GB, since the policies are written by a GB insurer, RAC Financial Services Limited
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
RAC
Current offer
Bonus
Free upgrade to Online Plus cover for RAC members buying direct: Free upgrade to 5-star Defaqto rated Online Plus cover
RAC members who buy directly from rac.co.uk; no set discount applies on car insurance for breakdown members
Source, checked September 26, 2026
Discount code
Discount for RAC Members on van insurance
Automatic discount applied to RAC members; optional extras selected during the online journey
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 | RAC | Verti |
|---|---|---|
| Germany | No | Yes |
| United Kingdom | Yes | No |
Questions about each
RAC
How much does RAC insurance cost?+
Car premiums are listed from £166, and that sits well above the site median of €8.37 across 252 brands. The entry price puts RAC near the back of the field on premium from, at 237. Quotes depend on your own details.
Can I pay RAC premiums monthly?+
Yes. Monthly payments are confirmed, and monthly lists monthly as the only pricing model. That spreads the cost of a policy across the year rather than asking for one payment, which suits anyone who prefers steady outgoing costs.
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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Related by the facts
- Explorer Travel Insurance, also regulated by Financial Conduct Authority
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