Netherlands insurance market

Achmea B.V. is the largest insurance group in the Netherlands, serving over 10 million customers through brands including Centraal Beheer, Interpolis, Zilveren Kruis, FBTO, Avéro Achmea, De Friesland and InShared. It has a cooperative background and offers health, life, property/casualty, travel, and income insurance products, as well as related financial services.

EUR 25.0 mrd (2024, verzekeringsbedrijf)

Nationale-Nederlanden is one of the largest financial services providers in the Netherlands, part of the publicly listed NN Group N.V. It has provided insurance, pensions and banking products since the 19th century, serving over 6 million retail and corporate customers with a broad range of life and non-life insurance, pension and banking solutions.

EUR 14.0 mrd totaal groep (2024); NL Non-life circa EUR 3.8 mrd

ASR Nederland N.V. (a.s.r.) is one of the largest Dutch insurance groups, listed on Euronext Amsterdam, offering non-life, life, income protection, health, funeral, travel, pension, and mortgage products to individuals, self-employed persons, and businesses in the Netherlands. The company traces its roots to 1720 and operates sustainably, investing premiums responsibly.

EUR 5.833 mrd (2024, groep Solvency II disclosure)

CZ (Centraal Ziekenfonds) is one of the largest non-profit health insurers in the Netherlands, founded in 1930 in Tilburg. With approximately 4.1 million insured members and a market share of around 20%, CZ offers mandatory basic health insurance and a wide range of supplemental and dental insurance packages. CZ also acts as risk carrier for OHRA, Nationale Nederlanden, CZdirect, and Just health insurance labels.

EUR 13.6 mrd (premies en bijdragen, 2024)

Coöperatie VGZ UA is one of the largest non-profit health insurers in the Netherlands, with over 4 million insured members. Founded in 1948 in Nijmegen as Stichting Volksgezondheidszorg, it is structured as a cooperative without shareholders, reinvesting any surplus into care, members, and premium reduction. VGZ offers basic health insurance, supplemental insurance, and dental insurance, and operates several sub-brands including IZA, VGZbewuzt, Univé (health), ZEKUR, IZZ, and Zorgzaam.

Athora Netherlands N.V. is one of the leading pension and life insurers in the Netherlands, operating through the brands Zwitserleven and Reaal. With a history dating back to 1891, it focuses on building wealth for future income through life and pension products, serving approximately 1.9 million customers.

Menzis is one of the largest non-profit health insurance cooperatives in the Netherlands, founded in 2006 following a merger of Amicon, Geové and NVS, with roots dating back to 1836. As a member-owned cooperative without shareholders, it serves approximately 2 million insured members through two labels: Menzis and AnderZorg. It offers basic health insurance, supplementary and dental insurance packages across the Netherlands.

EUR 7.07 mrd (verdiende premies eigen rekening, 2024)

Allianz Nederland Groep N.V. is the Dutch holding company for Allianz's insurance, pension and mortgage activities, part of the global Allianz Group. Insurance operations run under Allianz Benelux N.V. (statutorily based in Brussels), covering non-life, life and income insurance for individuals and businesses, complemented by pension activities via Allianz Premie Pensioen Instelling B.V. and mortgage activities via Allianz Vermogen B.V.

DSW Zorgverzekeraar is a Dutch health insurer, operating as a mutual (onderlinge waarborgmaatschappij) without profit motive, providing statutory basic health insurance and supplementary health insurance to around 675,000 policyholders nationwide, making it the largest of the small Dutch health insurers.

ONVZ is an independent, not-for-profit Dutch health insurer that focuses exclusively on health-care plans, offering members freedom to choose their own care providers.

Salland Zorgverzekeraar is a small, not-for-profit regional health insurer based in Deventer, in the Salland region of Overijssel, offering health insurance nationwide in the Netherlands under the Salland Zorgverzekeringen and HollandZorg brands, plus long-term care organisation via Salland Zorgkantoor.

VvAA is a Dutch member organization and insurer for medical and paramedical professionals, founded in 1924 as a mutual car insurer for doctors and now offering a broad range of insurance products and financial, legal and business advice for healthcare professionals and institutions.

ABN AMRO Bank N.V. is the third-largest Dutch bank, headquartered in Amsterdam, formed in 1991 by the merger of Algemene Bank Nederland (ABN) and AMRO Bank. Besides banking, ABN AMRO offers a range of insurance products to private and business customers in the Netherlands; personal non-life insurance is underwritten by its subsidiary ABN AMRO Schadeverzekering N.V., while ABN AMRO Verzekeringen (a joint venture with Nationale-Nederlanden/NN Group) advises and brokers business insurance products.

InShared is a 100% online Dutch general insurer and a trade name of Achmea Schadeverzekeringen N.V., part of the Achmea Group, known for its digital-only service model and its 'JaarBalans' scheme that returns unused claim funds to customers at year-end.

ACSI Verzekeringen B.V. is an insurance intermediary formed as a partnership between camping specialist ACSI and Den Hartog Financiële Diensten, offering damage insurance products for home, on the road and on holiday, tailored specifically to campers and caravanners.

Zevenwouden is a Frisian mutual ("onderlinge") non-life insurer that originated in 2012 from a merger of Algemene Friese Onderlinge and Leeuwarder Onderlinge Verzekeringen U.A. It does not sell insurance directly to consumers but only offers insurance through authorized agents (gevolmachtigde agenten), primarily via its own agency Noorderlinge verzekeraars. As of 1 July 2026 its insurance portfolio was transferred to Goudse Schadeverzekeringen N.V. (De Goudse), with the brand continuing regionally as "De Noorderlinge".

De Zeeuwse is a regional Dutch insurer for individuals and businesses, founded in 1939 as the Algemene Zeeuwse Verzekering Maatschappij N.V. by jhr. Mr. T.A.J.W. Schorer.

Allianz Direct is an online insurer in the Netherlands where customers can directly arrange car and home insurance themselves, focusing on price, convenience and comfort. It operates as the Dutch branch of the German insurer Allianz Direct Versicherungs-AG and previously traded as AllSecur, an online insurer active since 2008, before officially adopting the Allianz Direct name in 2019.

Ansvar Verzekeringsmaatschappij N.V. (trading as AnsvarIdéa, Ansvar Verzekeringsmaatschappij and Turien & Co. Verzekeringen) is a Dutch non-life insurer originally founded in 1967 as a subsidiary of the Swedish Ansvar group. It is wholly owned by Turien & Co. Holding B.V. and distributes sustainable, niche-focused insurance products exclusively through independent insurance advisers, targeting consumers and small/medium businesses with a socially and environmentally conscious lifestyle.

ANWB is the Royal Dutch Touring Club, the largest not-for-profit membership association in the Netherlands with over five million members, known for roadside assistance (Wegenwacht) and offering a wide range of insurance products for mobility, travel and home through its ANWB Verzekeringen brand, underwritten in cooperation with partners such as Unigarant/UVM.

AutoWeek is a well-known Dutch car magazine (first published in 1990, currently owned by DPG Media) that also markets a private-label car insurance product.

Allianz Global Assistance (also trading as Allianz Assistance) is the Dutch branch of AWP P&C S.A., part of Allianz Partners and ultimately the Allianz Group, offering travel insurance, breakdown assistance and bicycle insurance in the Netherlands.

Promovendum is a Dutch insurance intermediary brand focused on higher-educated individuals, offering car, home, liability, legal expenses, travel and cancellation insurance at discounted premiums; it is part of CAK Groep and the underlying risk carrier for its policies is National Academic Verzekeringsmaatschappij N.V.

Centraal Beheer is a major Dutch insurance company, part of the Achmea group, offering insurance, financial solutions and services to consumers and businesses since 1909, well known for its long-running advertising slogan "Even Apeldoorn bellen".

<cite index="1-1,1-2,1-3">Klaverblad Verzekeringen is a Dutch cooperative insurance company, headquartered in Zoetermeer and considered a medium-sized insurer, offering insurance mainly through insurance advisors but also directly online.</cite> <cite index="67-8,67-9,67-10">Klaverblad Verzekeringen is a nationally operating insurance company with about 450 employees, offering a wide range of non-life insurance products for both individuals and entrepreneurs, with excellent coverage and competitive premiums.</cite>

ZEKUR is a 100% online insurance brand of the Dutch insurer Univé, aimed mainly at young people and students, offering bundled policies for health, home, car, motorcycle, bicycle, van, self-employed (ZZP) and small business (MKB) needs at low premiums.

De Internationale is a relatively new, fully digital Dutch insurer founded in 2018, offering travel insurance, home insurance and legal expenses insurance with a focus on simple, transparent and low-cost policies.

De Vereende is a non-listed Dutch non-life insurer whose shares are held by other Dutch insurance companies; it specializes in insuring special/hard-to-place risks and complex claims, and also manages several Dutch insurance pools and funds.

Ditzo was launched in 2007 as the direct, online insurance brand of Dutch insurer a.s.r., letting consumers buy, adjust and cancel car, home, liability, travel, legal-expenses and health insurance themselves online without an advisor.

Europeesche Verzekeringen is a Dutch insurance brand specialised in travel and leisure insurance, founded in 1920 in cooperation with Dutch Railways as NV Europeesche Goederen en Reisbagage Verzekering Maatschappij. It traces its roots to a travel-baggage insurer established in Budapest in 1907 by Max von Engel, and has been part of ASR Nederland since the late 1990s. In 2023 a.s.r. discontinued the Europeesche brand, folding its products into the a.s.r. label.

<cite index="1-1,1-2,1-3,1-4">FBTO is an insurance company from the Frisian city of Leeuwarden that started as a mutual insurance company and later became part of Achmea, one of the largest insurance conglomerates in the Netherlands; FBTO is a direct writer, meaning customers can take out insurance directly with FBTO.</cite> <cite index="1-5,1-6">In the 1950s a number of Frisian farmers and market gardeners decided to jointly share risks such as fire, leading to the founding of the Friese Boeren en Tuinders Onderlinge (FBTO) in 1956.</cite>

HanseMerkur is a German mutual insurance group specialising in health and travel insurance; its subsidiary HanseMerkur Reiseversicherung AG entered the Dutch market in 2023, offering travel, cancellation and incoming/visitor insurance from its own office in Heerenveen, the Netherlands.

HEMA is a Dutch variety retail chain founded in 1926 in Amsterdam. Through HEMA Financial Services B.V. it operated an insurance brokerage brand (HEMA Verzekeringen / verzekerdbijHEMA.nl) that acted as an intermediary, not a risk carrier, offering non-life policies underwritten by Achmea/InShared and health insurance underwritten by Menzis. HEMA has since fully exited the insurance business, transferring its property & casualty book to InShared in February 2024 and its health insurance book to Menzis effective 1 January 2025.

ING is a Dutch bank-insurer; besides mortgages, pensions and loans, ING also offers several types of insurance products in the Netherlands, such as car, travel, home and liability insurance, largely underwritten in cooperation with partners such as Nationale-Nederlanden and Allianz Direct.

<cite index="87-7,87-8">Since 2005 LTA has focused on tailor-made travel insurance solutions, entering the German market first, expanding to Austria in 2008 and to the Netherlands in 2022.</cite> <cite index="88-1,88-3">Hanseatic Broking Center (HBC) GmbH has acquired a majority stake in LTA, headquartered in Viernheim, which continues to strengthen its position in the European travel insurance market.</cite>

Mintley is a digital, no-frills Dutch insurance brand launched in 2022 through a partnership between comparison platform Independer and Swiss Re's digital insurer iptiQ.

Interpolis is a major Dutch insurance company operating across the Netherlands, offering a broad range of non-life, health and life insurance products for consumers and businesses, distributed mainly through Rabobank, and known for its "Interpolis. Crystal clear" (Glashelder) advertising campaign.

Nh1816 Verzekeringen is a Dutch cooperative non-life (and formerly life) insurer based in Oudkarspel, North Holland.

No insurer named 'na' could be identified as an operating entity in the Netherlands insurance market based on available search results.

Neerlandse is an insurance brand originally <cite index="66-2,66-3">established in 2011 as risk carrier of a flood-risk insurance policy, aiming to make flood risk insurable in the Netherlands</cite>, offered as a coverholder <cite index="66-4">backed by the more than 300-year-old Lloyd's of London insurance market</cite>. The brand is now part of Dutch insurtech and underwriting agency <cite index="118-2,118-3">RISK, which relaunched "Neerlandse" as a verzekeringsmerk offering the Neerlandse autoverzekering in cooperation with risk carrier Rhion</cite>, a <cite index="110-1">German insurer developed together as a complete new package of non-life insurance</cite>. <cite index="118-11,118-12">Rhion Versicherung AG is part of the Rheinland Versicherungsgruppe</cite>.

OHRA is a Dutch direct insurer founded in 1925 as the Onderlinge ziektekostenverzekeringsfonds van Hoogere RijksAmbtenaren, offering insurance and financial products directly to consumers without intermediaries.

Ominimo is a European insurtech that has offered car insurance in the Netherlands since 2025, with the European insurtech focusing on simple, digital and affordable car insurance. Ominimo, originally Hungarian, claims to offer better-fitting and more affordable coverage thanks to the use of AI, and works together with Zurich Insurance Group, with Zurich acting as the risk carrier through its subsidiary DA Direkt. The company launched in Hungary in 2024 and later expanded into Poland, the Netherlands, and Sweden.

ZLM Verzekeringen is a Dutch mutual insurance company (onderlinge verzekeringsmaatschappij) with no shareholders, offering non-life insurance products exclusively to residents and businesses in the provinces of Zeeland and Noord-Brabant. Because it has no profit motive, it aims to keep premiums low while offering personal service and fast claims handling.

OOM Verzekeringen is a Dutch insurance specialist founded in 1940, originally as a mutual war-damage insurer, that has grown into a niche insurer for Dutch nationals moving abroad, foreigners coming to the Netherlands, and difficult-to-insure ('increased') fire and property risks.

Unigarant is the insurance company of the Dutch touring club ANWB, specializing in private non-life insurance for mobility, travel, leisure and home, sold mainly through independent advisors and the ANWB brand.

Univé is a Dutch cooperative insurer without a profit motive, formed in its present form in 1991 through the merger of regional cooperatives DLG (Assen) and Novo (Zwolle), with its oldest predecessor mutual dating back to 1794. It offers property, motor, travel, health, life and business insurance as well as mortgages, mainly through a network of around 100-150 local stores run by regional member cooperatives.

Vereniging Eigen Huis is a Dutch non-profit interest association and consumer organisation for people who own or want to own a home, and for owners' associations (VvE's), founded in 1974 and based in Amersfoort with about 230 employees; through its Eigen Huis Verzekeringsservice it offers members insurance products underwritten by third-party risk carriers such as REAAL and via underwriting agent Heinenoord Assuradeuren.

<cite index="116-16">Verzekeruzelf.nl is an online insurer founded in 2002</cite>, offering insurance products that are fully arranged online through a digital dossier without call centers or intermediaries. It has since become part of intermediary group Fidus, itself part of the Dutch HeinenoordZicht Groep, of which Nationale-Nederlanden (NN Group) is the majority owner.