Insurer profile
Achmea B.V.
Achmea B.V. · Netherlands
Overview
Achmea B.V. is a cooperative Dutch financial services group serving over 10 million customers in the Netherlands and abroad, through brands including Centraal Beheer, Interpolis, Zilveren Kruis, FBTO, Avéro Achmea, De Friesland and InShared. The group offers health, life, property/casualty, travel, and income insurance products, as well as related financial services. In late 2024, Achmea announced it will not renew its Zeist office lease and will relocate its head office activities to Apeldoorn by 2028, while retaining locations in Amsterdam, Tilburg and Leiden.
Source25
Products in this market
3
Offer pages
Company details
- Parent group
- Vereniging Achmea (cooperative association)
- Regulator
- De Nederlandsche Bank (DNB) for prudential supervision; Autoriteit Financiële Markten (AFM) for market conduct supervision
- Phone
- +31 30 693 7000
- [email protected]
Products from Achmea B.V.
Motor3
Car Insurance – Third-Party Liability (WA)
Mandatory third-party liability car insurance covering damage caused to others on the road.
Car Insurance – All Risk (Allrisk)
Comprehensive all-risk car insurance covering damage to own vehicle in addition to third-party liability.
Car Insurance – Limited Casco (WA+ Beperkt Casco)
Mid-level car insurance covering third-party liability plus selected perils such as theft, fire, and weather damage.
Property4
Home Contents Insurance (Inboedelverzekering)
Insurance covering household contents against damage or theft.
Building/Property Insurance (Opstalverzekering)
Insurance covering the structure of a home against damage from fire, storm, subsidence, and other perils.
Business Insurance (Bedrijfsverzekering / BedrijfActiefPolis)
Commercial property and liability insurance packages for businesses, including the new BedrijfActiefPolis Agrarisch, covering fire, business interruption, and commercial risks via Avéro Achmea.
Homeowners' Association Insurance (VvE Verzekering)
Insurance for apartment owners' associations (VvE) covering the building and communal areas.
Health5
Basic Health Insurance (Basisverzekering)
Statutory basic health insurance as required by Dutch law, offered via brands such as Zilveren Kruis, FBTO, De Friesland, and Interpolis.
Supplementary Health Insurance (Aanvullende Zorgverzekering)
Optional supplementary health insurance covering services not included in the basic package, such as physiotherapy and alternative medicine.
Dental Insurance (Tandartsverzekering)
Dental insurance covering routine check-ups and treatments not reimbursed by the basic health insurance.
Accident Insurance (Ongevallenverzekering)
Accident insurance paying a lump sum or income replacement in the event of permanent disability or death resulting from an accident.
Disability Income Insurance (Arbeidsongeschiktheidsverzekering – AOV)
Income protection insurance for self-employed persons and entrepreneurs covering loss of income due to illness or disability.
Liability4
Personal Liability Insurance (Aansprakelijkheidsverzekering Particulieren)
Personal liability insurance covering claims from third parties for bodily injury or property damage caused by the insured.
Legal Assistance Insurance (Rechtsbijstandverzekering)
Legal assistance insurance providing access to legal advice and representation in disputes, offered via Stichting Achmea Rechtsbijstand.
Business Liability Insurance (Bedrijfsaansprakelijkheidsverzekering)
Commercial general liability insurance protecting businesses against third-party injury or damage claims.
Professional Liability Insurance (Beroepsaansprakelijkheidsverzekering)
Professional indemnity insurance protecting professionals against claims arising from errors or omissions in their professional services.
Travel3
Travel Insurance (Reisverzekering)
Travel insurance covering medical expenses, emergency assistance, and personal belongings during trips abroad.
Cancellation Insurance (Annuleringsverzekering)
Insurance that reimburses non-refundable travel costs if a trip must be cancelled due to unforeseen circumstances.
Winter Sports Insurance (Wintersportverzekering)
Specialized travel insurance for winter sports holidays, covering accidents, ski equipment, and rescue costs on the slopes.
Life3
Term Life Insurance / Mortgage Life Insurance (Overlijdensrisicoverzekering)
Term life insurance paying a lump sum to beneficiaries upon death of the insured within the policy term.
Life Insurance (Levensverzekering)
Whole or endowment life insurance combining savings and death benefit for long-term financial security.
Funeral Insurance (Uitvaartverzekering)
Insurance covering funeral costs to relieve financial burden on surviving relatives.
Other2
Agricultural Insurance (Agrarische Verzekering / ToplandPolis)
Specialized insurance products for the agricultural sector, including crop, livestock, and farm building coverage, formerly under the ToplandPolis and now transitioning to the BedrijfActiefPolis Agrarisch via Avéro Achmea.
Pension Insurance (Pensioen)
Pension savings and income products for individuals and employers offered via Centraal Beheer APF and Achmea Pension Services.
Regulatory updates
Achmea continues to operate under its Solvency II authorization from De Nederlandsche Bank (DNB), and DNB's 2025-2026 supervisory outlook highlights continued focus on capital solidity, geopolitical risk and digital resilience across the insurance sector.
Reputation and reviews
Offer pages
Casco (own-damage car insurance)
casco (own-damage car insurance) from Avéro Achmea for the Netherlands market, with 24/7 assistance.
Last verified Sep 1, 2026
Motor third-party liability
motor third-party liability insurance from Avéro Achmea for the Netherlands market, with 24/7 assistance.
Last verified Sep 1, 2026
Travel insurance
travel insurance from Avéro Achmea for the Netherlands market, with online purchase and 24/7 assistance.
Last verified Sep 1, 2026