Updated September 29, 2026 · AssureCue Editorial Team
Verti vs Zego
What sets them apart
| Compare |  Verti | Zego ReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly payments | No | YesHas it |
| Excess from | €150 to €500 | £25 |
| Cover limit | Auto liability: EUR 100 million lump sum, EUR 15 million for personal injury | Third party property damage up to GBP 5m; personal accident up to GBP 5,000; motor legal protection up to GBP 100,000 |
| Claims channels | Phone, Online form, Email | App, Online form, Chat, Phone, Email |
| Premium from | €8.17 | Not confirmed |
Same on both: Insurance types (Auto, Motorcycle, Van), Provider type (Insurer).
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Key differences
- Zego scores higher overall: 9.4 vs 9.0.
- Zego is available in 1 more country.
- Monthly payments: only Zego.
- Claims channels: only Verti offers Online form.
- Claims channels: only Zego offers App, Online form, Chat.
- Support channels: only Zego offers Chat.
Our verdict on each
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.
Zego
Zego suits van, car and motorcycle owners who want an insurer that writes the policy itself and keeps the excess low, starting at £25, with monthly payments the only listed model. It is a specialist in road cover rather than a generalist, so anyone also wanting home or travel protection should look elsewhere.
Score breakdown
| Area | Verti | Zego |
|---|---|---|
| Cost | 8.5Car premiums start at €8.17 with excess of €150 to €500, below the site median of €8.37. | 9.1HigherExcess from £25 on the personal van policy, and monthly payments as the only listed model, spread the outlay. |
| Offer | 9.0 | 9.5Higher |
| Trust | 9.4 | 9.6Higher |
Availability and regulation
| Country | Verti | Zego |
|---|---|---|
| Germany | Not confirmed | |
| United Kingdom | Not confirmed | Financial Conduct Authority 757871 |
Additional countries for Verti: 1. Additional countries for Zego: 2.
How they place
| Ranking | Verti | Zego |
|---|---|---|
| Car insurance | 20 of 393 | 80 of 393 |
| Motorbike insurance | 13 of 120 | 31 of 120 |
| Van insurance | 2 of 38 | 7 of 38 |
Every fact side by side
| Fact | Verti | Zego |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Legal entity | Verti Versicherung AG | Extracover Limited |
| Headquarters | Germany | United Kingdom |
| Founded | 1996 | Not confirmed |
| Support channels | Phone, Email, Help centre | Email, Chat, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Verti | Zego | Median |
|---|---|---|---|
| Premium from | €8.17above the median | Not confirmed | €5.97 |
Median across 109 listed insurance providers.
Pros and cons
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
Zego
Pros
- An insurer, insurer, so the cover is underwritten by the company you deal with rather than placed by a broker.
- A Financial Conduct Authority licence for the UK, 757871, which keeps the contract inside a supervised market.
- The excess starts at £25 on the personal van policy, so a smaller claim costs less to absorb.
Cons
- Cover stops at auto, van and motorcycle, while Euroasia Insurance also writes auto, home and travel.
- The app and an online form are not among its support channels, email, chat and phone; both sit in the claims list, app, online form and chat.
- Payments run on monthly only, so the monthly plan is the single listed way to pay.
Who each suits
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
Zego
Who it suits
- Van owners who want the excess kept low at £25 and can settle the premium monthly.
- Drivers and riders who want an insurer, insurer, holding a Financial Conduct Authority licence in the UK, 757871.
- Anyone who would rather open a claim in the app or by chat than wait on hold, app, online form and chat.
Who should look elsewhere
- Home, travel or gadget buyers, since Euroasia Insurance writes auto, home and travel alongside road cover.
- Landlord, renters or home emergency seekers, since Hiscox UK lists home, renters and landlord and Zego's lines are auto, van and motorcycle.
- Readers who want life, health or pet cover in the same place, since Good Sam Insurance Agency lists auto, home and renters.
Current offers
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 | Verti | Zego |
|---|---|---|
| Germany | Yes | No |
| Ireland | No | Yes |
| United Kingdom | No | Yes |
Questions about each
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.
Zego
Is Zego an insurer or a broker?+
Zego is an insurer, recorded as insurer, so the policy sits with the firm you apply to rather than with a broker placing cover on behalf of someone else. Good Sam Insurance Agency and Hiscox UK both run far wider line lists, auto, home and renters and home, renters and landlord, while Zego keeps to auto, van and motorcycle.
Who regulates Zego in the UK?+
The regulator named on the licence is the Financial Conduct Authority, and the reference is 757871. That places the firm inside the UK system for insurance providers, with the same supervisory framework that applies to any other insurer selling in this market. Keep the reference with your policy documents, since it is the item to check on the regulator's record.
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Related by the facts
- KS Auxilia, also regulated by Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
- Insurance providers with Auto
- Insurance providers available in Germany
- Explorer Travel Insurance, also regulated by Financial Conduct Authority
- Insurance providers with Motorcycle
- Insurance providers available in United Kingdom