Insurer profile
FBTO (trade name of Achmea Schadeverzekeringen N.V., Achmea Pensioen- en Levensverzekeringen N.V. and FBTO Zorgverzekeringen N.V.)
<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>
Source- Legal entity
- FBTO (trade name of Achmea Schadeverzekeringen N.V., Achmea Pensioen- en Levensverzekeringen N.V. and FBTO Zorgverzekeringen N.V.)
- Headquarters
- Leeuwarden, Netherlands
- Parent group
- Achmea B.V.
- Regulator
- Dutch Authority for the Financial Markets (AFM) and De Nederlandsche Bank (DNB)
- Phone
- +31 58 234 56 78
- info@fbto.nl
- Founded
- 1956
- Last verified
- Sep 1, 2026
Products from FBTO (trade name of Achmea Schadeverzekeringen N.V., Achmea Pensioen- en Levensverzekeringen N.V. and FBTO Zorgverzekeringen N.V.)
motor
Car Insurance (WA / WA Plus / WA Casco)
<cite index="15-22,15-23,15-24">Choice of three car insurance levels: WA (mandatory liability), WA Plus (limited own-damage cover) and WA Casco (comprehensive all-risk cover).</cite>
motor
Motorcycle Insurance
<cite index="126-4,126-5">Three base motorcycle insurance levels, with WA (third-party liability) being the minimum required, plus optional modules.</cite>
motor
Trailer Insurance
<cite index="55-1,55-2,55-3">Covers the boat trailer against theft and damage, both on the road and in storage.</cite>
other
Boat Insurance
<cite index="55-20,55-21,55-22">Liability & assistance cover for damage caused with the boat to others up to €10,000,000, plus optional modules for own-damage risks.</cite>
other
Bicycle Insurance
<cite index="56-1">Insurance against theft or damage to bicycles.</cite>
property
Building Insurance (Opstal)
<cite index="47-4">Insures the house and everything permanently attached to it against damage such as fire, storm or water damage.</cite>
property
Contents Insurance (Inboedel)
<cite index="138-1,138-2">Two contents insurance options, ranging from a fixed basic package to more extensive, higher cover for household contents.</cite>
property
Away-From-Home Contents Insurance
<cite index="137-1,137-4,137-5">Covers items regularly carried outside the home, such as sunglasses or a camera, against damage from fire, water and theft.</cite>
liability
Personal Liability Insurance
<cite index="48-3,48-4,48-5">Covers you if you accidentally cause damage to someone else, for example breaking a valuable item belonging to another person.</cite>
liability
Legal Expenses Insurance
<cite index="48-6,48-7">Helps when you disagree with someone else, for example with an employer about dismissal, a landlord about a rent increase, or a seller about a warranty, giving legal help and advice.</cite>
travel
Annual (Continuous) Travel Insurance
<cite index="137-11,137-12,137-13">Insures damage such as luggage while travelling in Europe or the rest of the world, and covers personal assistance during the trip, e.g. if injured in an accident.</cite>
travel
Short-Stay Travel Insurance
<cite index="50-1">Travel insurance for a single trip, for holidays and weekends away.</cite>
travel
Short-Term Cancellation Insurance
<cite index="56-2">A cancellation insurance in case a planned trip cannot go ahead.</cite>
health
Accident Insurance
<cite index="127-4,127-5,127-6">Pays out if you become permanently disabled or die as a result of an accident.</cite>
life
Term Life Insurance
<cite index="127-8,127-9,127-10">Pays a self-chosen amount to your next of kin if you die, and can be freely put together in terms of insured amount, premium and type.</cite>
health
Basic Health Insurance
<cite index="63-1,63-2">Basic health insurance policies (natura and restitutie) as required under the Dutch Health Insurance Act, with the same government-determined coverage as all Dutch insurers.</cite>
health
Supplementary Dental Insurance (Module Tand / Tand Basis)
<cite index="41-23,41-24,41-25">A supplementary dental insurance module for dentist and oral hygiene costs, with a self-chosen maximum reimbursement.</cite>
health
Dental Accident Insurance (Module Tand Ongeval)
<cite index="36-1,36-2,36-6">Covers costs to repair teeth after an accident, including treatments by a dentist, oral surgeon or orthodontist, up to €10,000 per calendar year per insured person.</cite>
other
Self-Employed (ZZP) Insurance Package
<cite index="57-1,57-2,57-3">FBTO offers a small range of business insurance products for self-employed people (zzp'ers), covering home offices, business travel and similar needs.</cite>
Regulatory updates
<cite index="18-1,18-2,18-3,18-4">FBTO is a trade name of Achmea Schadeverzekeringen N.V. (KvK 08053410) and Achmea Pensioen- en Levensverzekeringen N.V. (KvK 08077009), both statutorily based in Apeldoorn, and FBTO Zorgverzekeringen N.V. (KvK 30208631), statutorily based in Leeuwarden.</cite> <cite index="23-3,23-4,23-5,23-6">Achmea Schadeverzekeringen N.V. held an authorization under article 2:27 of the Financial Supervision Act until 01-01-2016, after which this authorization was converted to a Solvency II authorization.</cite> <cite index="54-1,54-2">FBTO no longer sells funeral insurance (uitvaartverzekering); existing customers' policies continue to run.</cite> <cite index="54-12,54-13,54-14">FBTO also no longer sells investment-linked insurance (beleggingsverzekering), though existing policies continue.</cite>
Reputation and reviews
Offer pages
Motor third-party liability
FBTO is a motor third-party liability insurance for the Netherlands market with online purchase and limited assistance availability.
Last verified Sep 1, 2026
Travel insurance
FBTO is a travel insurance for the Netherlands market with online purchase and 24/7 assistance.
Last verified Sep 1, 2026