Verti Versicherung AG
Verti
Verti is a motor casco insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
If the optional workshop-binding option 'Kasko Clever' is agreed, Verti selects the repair workshop and settles many services (towing, cleaning, class-A replacement vehicle) directly with the partner workshop at no cost to the policyholder. Without Kasko Clever, the policyholder pays for repairs and is reimbursed against submission of an invoice.
Geographic scope
Germany
Europe and the non-European territories belonging to the European Union; environmental damage cover also extends to EEA states applying the EU Environmental Liability Directive
Unique selling points
- Optional 'Nix-Passiert-Tarif' lets policyholders keep their no-claims class even after one Kfz-Haftpflicht and one Vollkasko claim per year.
- All-risk cover for the drive battery of electric and hybrid vehicles, going beyond standard Teilkasko/Vollkasko perils.
- The 'Kasko Clever' workshop-binding option includes a six-year repair warranty and a free class-A courtesy car via Verti's partner workshops.
- In the plusBONUS line, consequential damage from animal bites to wiring is covered without any monetary limit.
- Verti markets itself as an award-winning 'fairest direct insurer' with an online quote and purchase process.
Coverage limits
Own-damage cover (self-caused accidents)
Covered
Vollkasko covers damage, destruction, loss or total loss of the insured vehicle from accidents caused by the policyholder, in addition to all Teilkasko perils. Compensation is based on replacement value (Wiederbeschaffungswert) less residual value; total indemnity is capped at the new-car price (Neupreis) of the vehicle.
Total loss, destruction or theft compensation
Covered
Pays the replacement value less residual value. New-price compensation (Neupreisentschädigung) applies if total loss/destruction/loss occurs within 36 months of first registration in Premium/plusBONUS, 18 months in Klassik/Partner, and 12 months in Basis. Used-vehicle purchase-price compensation (Kaufwertentschädigung) applies within 36 months in plusBONUS/Premium and 18 months in Klassik/Partner; it is excluded in Basis.
Repair cost compensation (partial damage)
Covered
Repair costs are paid up to the replacement value if the vehicle is fully and properly repaired (proven by invoice); otherwise costs are paid up to replacement value less residual value, limited to local labour rates. In Klassik, Premium and plusBONUS, an additional depreciation allowance of 5% of proven repair costs is paid if the vehicle is under 24 months old and repair costs exceed EUR 2,000 (not available in Basis or Partner).
Theft and robbery
Covered
Theft, robbery and (under conditions) embezzlement of the vehicle or its co-insured parts are covered under Teilkasko (and thus Vollkasko) in all product lines. In Premium and plusBONUS, Verti additionally pays the cost of replacing locks/keys after key theft.
Glass breakage
unlimited
Breakage damage to vehicle glazing is covered in all product lines, including replacement of light bulbs and the emissions sticker; consequential damage is excluded. The deductible is waived if the repair is carried out by a company agreed with Verti without replacing the glass.
Natural hazards (storm, hail, flood etc.)
Covered
Damage from storm (wind force 8+), hail, lightning, flooding, avalanches (incl. roof avalanches) and mudslides is covered in all product lines. Klassik, Partner, Premium and plusBONUS additionally cover landslide and volcanic eruption; this is excluded in Basis.
Vandalism
Covered
Malicious damage (vandalism) by persons not authorised to use the vehicle, including cyber/hacker attacks directed immediately against the insured vehicle, is covered under Vollkasko in all product lines with no stated sub-limit.
Roadside assistance / breakdown cover (Fahrzeugschutzbrief)
Optional
Roadside assistance is a legally separate contract (Fahrzeugschutzbrief), not automatically part of Vollkasko. If organised by Verti, breakdown recovery and towing costs are covered without limit; if organised by the policyholder, reimbursement is capped (e.g. EUR 110 for self-organised roadside recovery, EUR 160 for self-organised towing).
Replacement/rental vehicle
Conditional
In Premium and plusBONUS, Verti covers a class-A rental car (via its own partner) for up to 10 days within Germany while the vehicle is unusable due to a claim; plusBONUS alternatively offers a monthly public-transport pass or e-bike rental. Independently, if the optional 'Kasko Clever' workshop-binding is agreed and repair takes place at a partner workshop, a free class-A replacement vehicle is provided for the repair duration in any product line.
Driver/occupant accident cover
Optional
Sold as separate, legally independent accident policies alongside Vollkasko. 'Familienschutz Kind & Kegel' pays a fixed sum of EUR 50,000 for invalidity and EUR 15,000 on death of an insured occupant. 'Fahrerschutz' instead compensates the driver's actual personal-injury loss (e.g. loss of earnings, care costs, pain and suffering) as if a third party were liable, up to the agreed sum insured.
Key conditions
Driver age and experience limit
If a driver under 24 uses the vehicle without prior notification, Verti recalculates the premium retroactively and applies an additional deductible of EUR 2,500 per claim on top of any agreed deductible; premiums for named drivers under 24 are also substantially higher.
Repair network requirements
Policyholders may optionally agree the 'Kasko Clever' workshop-binding tariff, under which Verti selects the repair workshop from its partner network in exchange for a lower premium, a six-year repair warranty and a free class-A replacement vehicle; using a non-partner workshop without prior agreement reduces reimbursement to 80% of otherwise payable repair costs.
Territorial scope
Cover applies in Europe and the non-European territories belonging to the EU; certain benefits (e.g. Mallorca-Police, foreign accident assistance) extend to additional listed countries such as the UK, Switzerland, Norway and Andorra.
Anti-theft requirements
In the event of theft, the policyholder must notify Verti immediately in text form and provide the manufacturer's full information on the vehicle's anti-theft security features at the time of the claim, including details of original, duplicate and virtual (smart) keys.
Claim notification deadline
Every claim must be reported to Verti without delay, at the latest within one week of becoming aware of it; theft, fire, animal-collision or vandalism claims exceeding EUR 500 must also be reported to the police immediately.
Deductible rules
The agreed deductible is deducted from each claim payment. It can be protected via the optional 'Nix-Passiert-Tarif', which treats up to one Kfz-Haftpflicht claim and one Vollkasko claim per calendar year as claim-free for no-claims-class purposes. An additional EUR 2,500 deductible applies if an excluded driver under 24 causes a claim.
Where to buy
Policy specifics
New car replacement guarantee (Neupreisentschädigung)
Full replacement value paid for new cars in case of total loss or theft within defined period
SourceBattery all-risk coverage for electric/hybrid vehicles
Covers damage, destruction or loss of vehicle battery through all events for electric and hybrid cars
SourceGAP protection (optional add-on)
Covers difference between residual value and replacement value in case of total loss for leased/financed vehicles
SourceNo-claims protection tariff (Nix-Passiert-Tarif)
Optional add-on protecting damage-free discount class even after filing a claim
SourceOptional workshop binding (Werkstattbindung)
Insurer designates repair workshop; reduces premium but may void manufacturer warranty
SourceDamage-free discount (Schadenfreiheitsrabatt)
Premium reduction based on years without claims; increases premium class after claim filed
SourceAdjustable self-deductible (Selbstbeteiligung)
Policyholder chooses deductible amount; higher deductible = lower premium
SourceTariff levels (Basic, Klassik, Premium)
Three coverage levels; Premium tier includes additional benefits like rental car, value depreciation reimbursement
Source