Verti Assicurazioni

What Verti Assicurazioni does

Verti Assicurazioni S.p.A. is an Italian online direct insurance carrier and a wholly-owned subsidiary of Spanish multinational MAPFRE Group. Founded in 2011 and headquartered in Cologno Monzese (Milan metropolitan area), Verti distributes car, motorcycle, light commercial vehicle (N1-category van), and home/family insurance exclusively through digital channels — its website (verti.it), mobile applications (iOS and Android), and a phone-sales channel at +390236617040. The company operates with no branch or agency network, which structurally underpins its cost position and supports a 10% online-purchase discount on auto and van policies; the brand was previously known as Direct Line in Italy before its transition to the Verti identity.

Verti runs a modular product architecture on a proprietary digital insurance platform. Core products are four subscription-style lines — Assicurazione Auto, Assicurazione Moto, Assicurazione Furgone, and Assicurazione Casa e Famiglia — each built around mandatory RC coverage with optional add-ons (collision, theft, glass, legal protection, driver accident, natural events). The platform is extended by a layer of digital services: VERTISOCCORSO (a WebApp-based roadside assistance product), VERTIARATE (monthly, quarterly, or semi-annual installment plans with a 6-8% premium increase), VERTICASASSISTENZA (24/7 home assistance), the Digital CAI portal (online accident statement filing), and a customer self-service area (my Verti) for policy management and claims. Pricing is personalized per risk profile, with payment processed through PayPal, Visa, Mastercard, American Express, Diners Club, Findomestic installment credit, and Intesa San Paolo bank transfer; the company exposes a Preventivass comparison tool and integrates with the IVASS regulator portal and Telepass for distribution.

Verti's go-to-market is direct-to-consumer with content-led top-of-funnel demand generation across an educational blog, Facebook, Instagram, LinkedIn, YouTube, and TikTok, plus a Spotify-hosted podcast (VertiMoversTalks). Distribution channels are dominated by self-serve web and mobile, supplemented by phone sales, a January 2025 partnership with Telepass Assicura for RC Auto, and earlier collaborations with Esselunga and AllianceInSay. Revenue is generated primarily through recurring annual premiums with a transaction-fee component from installment financing; the company serves Italian consumers seeking lower-cost, digitized P&C coverage, with the most prominent value propositions being 15-second online quotes, 24/7 digital policy management, an affiliated carrozzerie convenzionate (network repair shop) arrangement that eliminates deductibles, and the brand and balance-sheet backing of MAPFRE.

Name

Verti Assicurazioni

Legal name

Verti Assicurazioni S.p.A.

Website

https://verti.it

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

251–500 employees

Short description

Verti Assicurazioni is the Italian online direct insurance subsidiary of MAPFRE Group, selling car, motorcycle, van, and home/family insurance exclusively through digital channels (website, mobile apps, and phone) to Italian consumers seeking low-cost, self-serve P&C coverage.

Ownership category

akta.pro rank

Product category

Online Personal Lines Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126)

akta.pro primary industry

Pay-Per-Mile Personal Auto Insurance (FSAJAAAC)

Keywords

• Auto insurance
• Motorcycle insurance
• Home insurance
• Van insurance
• Online direct insurance

Headquarters

HQ city

Cologno Monzese

HQ country

Italy

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Auto Insurance Premiums: Annual recurring insurance premiums for vehicle coverage including RC Auto (mandatory liability), collision, theft, natural events, and additional protections. Primary revenue driver.
2. Motorcycle Insurance Premiums: Annual recurring premiums for motorcycle and scooter insurance coverage, including RC Moto, theft, and roadside assistance.
3. Van/Commercial Vehicle Insurance: Insurance premiums for light commercial vehicles (N1 category under 35 quintals), covering business and personal use.
4. Home and Family Insurance: Annual premiums for home insurance and family liability coverage, including property damage, theft, and personal liability protections.
5. Installment Payment Processing (VertiArate): Premium increase of 6% (semiannual), 7% (quarterly), or 8% (monthly) for customers choosing to pay annually in installments rather than upfront. Additional revenue from financing fees.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels10 records

Core offering

Verti Assicurazioni is a 100% online direct insurance company in Italy and the digital subsidiary of MAPFRE Group, selling personal lines insurance products — Auto (RC Auto liability plus optional comprehensive coverages), Motorcycle, Van (N1 light commercial vehicles), and Home & Family — directly to consumers through its website, mobile apps, and phone sales channel. The offering is delivered via a digital pipeline of 15-second online quoting, electronic policy issuance, online claims filing, and digital roadside/home assistance WebApps, with no physical branches or agent intermediaries.

Product overview

Verti Assicurazioni is a digital insurance company and online subsidiary of MAPFRE Group, offering a unified digital insurance platform through its website and mobile services. The core product portfolio comprises four main insurance lines: Assicurazione Auto (car insurance), Assicurazione Moto (motorcycle insurance), Assicurazione Furgone (van insurance), and Assicurazione Casa e Famiglia (home and family insurance). These are complemented by value-added services including VERTISOCCORSO (roadside assistance WebApp), VERTIARATE (installment payments), VERTICASASSISTENZA (home assistance), and specialized liability coverages such as RC Vita Privata, RC Proprietario, and RC Animali Domestici. The company also provides digital tools like CAI Digitale for accident reporting and Preventivass for quote comparison. The product architecture follows a modular approach where base RC coverage can be enhanced with optional add-ons and rider coverages. All products are distributed exclusively online with digital-first customer experience including quote generation in 15 seconds, online policy management, and digital claims processing.

Differentiator

Problem solved

Functional benefit

Brands

• Verti Movers: An observatory by Verti Assicurazioni on new trends, habits, and behaviors related to mobility and vehicle usage in Italy, featuring podcast series #VERTIMOVERSTALKS.
• VertiSoccorso
• VertiArate
• VertiCasAssistenza
• Digital CAI

Products and services

• Assicurazione Auto (Online Auto Insurance) Comprehensive online car insurance for Italian private vehicle owners, providing mandatory third-party liability (RC Auto) coverage with optional additional protections (assistance, vandalism, collision, glass, natural events, theft/fire, driver accident, legal protection, and "Super Protected"). Customers obtain quotes and policies online through verti.it, with 10% online purchase discount and installment payment via VertiArate.
• Assicurazione Moto (Online Motorcycle Insurance) Online motorcycle and scooter insurance for Italian owners (50cc through full motorcycles), providing RC Moto coverage with optional theft, fire, roadside assistance, and Super Protected riders. The product supports semi-annual billing suited to seasonal riding patterns.
• Assicurazione Furgone (Online Van / Light Commercial Vehicle Insurance) Online insurance for Italian owners of light commercial vehicles (N1 category under 35 quintals), providing RC coverage with optional riders for commercial and personal use. Sold with a 10% online discount and available across the year via the standard online quote and policy flow.
• Assicurazione Casa e Famiglia (Online Home & Family Insurance) Online home and family insurance for Italian households, covering property damage, theft, domestic accidents, owner liability, and pet liability. Entry-level pricing starts from EUR 59 per year and includes access to VERTICASASSISTENZA 24/7 home assistance.
• VERTISOCCORSO (Digital Roadside Assistance WebApp) Standalone digital roadside-assistance service delivered via a smartphone WebApp. Policyholders request help directly from their phone, reducing dependence on phone-based incident reporting and aligning with the digital-first customer experience.
• VERTCASASSISTENZA (24/7 Home Assistance) 24/7 home assistance service for Verti home insurance customers, available 7 days a week to support home damage, breakdowns and household injuries. Provides an emergency-response layer complementing the Home & Family insurance product.
• CAI Digitale (Digital European Accident Statement) Online service hosted at cai.verti.it enabling Verti customers to complete and submit the European Accident Statement (Constatazione Amichevole di Incidente) digitally instead of on paper, accelerating the accident-reporting workflow and downstream claim handling.
• RC Auto con Telepass Assicura (Joint Auto Insurance Product) Joint RC Auto insurance product launched in partnership with Telepass Assicura in January 2025, distributing Verti's auto insurance through the Telepass mobility platform with a streamlined digital purchase and management experience.

Quantifiable outcome

• Digital channel represents 11.1% of RC Auto contracts in Italy in 2025
• +1 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature6 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Telepass AssicuracoreChannel Partner/ Reseller/ Distributor · 22 January 2025Verti Assicurazioni partnered with Telepass to offer a new RC Auto insurance product through Telepass distribution channels. The partnership was announced on January 22, 2025, combining Telepass's mobility platform reach with Verti's digital insurance expertise. The offering is described as simple, fast, and affordable.
• EsselungaminorGTM or Marketing Partner · 20 April 2021Verti renewed its partnership with Esselunga, the Italian supermarket chain. The partnership likely involves promotional offers or visibility at Esselunga locations, targeting Esselunga's large customer base for insurance cross-selling opportunities.
• AllianceInSayminorGTM or Marketing Partner · 1 March 2021Verti established a collaboration with AllianceInSay, a marketing or distribution partner in the insurance ecosystem. The March 2021 announcement indicates a GTM partnership for reaching customers through AllianceInSay's network.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Prima Assicurazioni: Italian digital-first insurance broker focused on auto and motorcycle coverage with competitive online pricing. Competes head-to-head with Verti in the Italian online RC Auto market with a similar self-serve digital purchase experience.
• ConTe.it: Italian online insurance brand offering auto and home policies through digital channels. Targets the same direct-to-consumer Italian market as Verti with comparable pricing and self-serve digital experience.
• Zurich Connect: Zurich Insurance's Italian direct-to-consumer online insurance brand, offering auto and home products. Competes with Verti as another incumbent-carrier-backed digital insurance brand in Italy.
• Genialloyd: Generali Group's direct-to-consumer online insurance brand in Italy, offering auto, motorcycle, and home insurance. Direct competitor to Verti with a comparable digital-first model targeting the same Italian consumer segments.
• Linear Assicurazioni: Italian direct insurance company offering auto, motorcycle, and home products through online channels. Operates a comparable fully-digital distribution model targeting price-sensitive Italian consumers.

Broad incumbents

• Generali Italia: Italy's largest insurance company and parent of Genialloyd. Competes with Verti across auto, home, and life lines through traditional agency networks and its digital Genialloyd subsidiary, representing the incumbent counter-position to Verti's pure-digital model.
• Direct Line Group: UK-listed direct insurance specialist; its former Italian business was rebranded as Verti under MAPFRE ownership. Strategically the historical parent and closest international peer in direct-to-consumer motor insurance business model.
• Allianz Direct: Allianz's pan-European digital insurance brand, operating in Italy among other markets. Comparable digital-first insurance model but with broader geographic scope and Allianz's full multi-line insurance backing.
• Allianz Italia: Italian arm of Allianz Group offering comprehensive insurance products including auto and home. A broad incumbent comparable to MAPFRE's Italian operation, competing for the same Italian consumer and SMB segments.
• UnipolSai Assicurazioni: Major Italian insurance carrier offering auto, home, and life products with a leading share of the Italian RC Auto market. Competes with Verti across all major lines via traditional agency/broker channels supplemented by digital touchpoints.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UC_Cu-RVOD-ED7PH0I51NAtg/featured?view_as=subscriber
• Facebookfacebook.com/vertiassicurazioni
• LinkedInlinkedin.com/company/verti-assicurazioni
• Instagraminstagram.com/verti_italia
• TikToktiktok.com/@verti_italia
• Xx.com/verti_italia

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Verti Assicurazioni