Insurer profile
FBTO (trade name of Achmea Schadeverzekeringen N.V., Achmea Pensioen- en Levensverzekeringen N.V. and FBTO Zorgverzekeringen N.V.)
FBTO (trade name of Achmea Schadeverzekeringen N.V., Achmea Pensioen- en Levensverzekeringen N.V. and FBTO Zorgverzekeringen N.V.) · Netherlands
Overview
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. 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.
Source19
Products in this market
2
Offer pages
Company details
- Parent group
- Achmea B.V.
- Regulator
- Dutch Authority for the Financial Markets (AFM) and De Nederlandsche Bank (DNB)
- Phone
- +31 58 234 56 78
- [email protected]
Products from FBTO (trade name of Achmea Schadeverzekeringen N.V., Achmea Pensioen- en Levensverzekeringen N.V. and FBTO Zorgverzekeringen N.V.)
Motor3
Car Insurance (WA / WA Plus / WA Casco)
Choice of three car insurance levels: WA (mandatory liability), WA Plus (limited own-damage cover) and WA Casco (comprehensive all-risk cover).
Motorcycle Insurance
Three base motorcycle insurance levels, with WA (third-party liability) being the minimum required, plus optional modules.
Trailer Insurance
Covers your trailer (including a boat trailer) against theft and damage, both on the road and in storage.
Property3
Building Insurance (Opstal)
Insures the house and everything permanently attached to it against damage such as fire, storm or water damage.
Contents Insurance (Inboedel)
Two contents insurance options, ranging from a fixed basic package to more extensive, higher cover for household contents.
Away-From-Home Contents Insurance
Covers items regularly carried outside the home, such as sunglasses or a camera, against damage from fire, water and theft.
Health4
Accident Insurance
Pays out if you become permanently disabled or die as a result of an accident.
Basic Health Insurance
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.
Supplementary Dental Insurance (Module Tand / Tand Basis)
A supplementary dental insurance module for dentist and oral hygiene costs, with a self-chosen maximum reimbursement.
Dental Accident Insurance (Module Tand Ongeval)
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.
Liability2
Personal Liability Insurance
Covers you if you accidentally cause damage to someone else, for example breaking a valuable item belonging to another person.
Legal Expenses Insurance
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.
Travel3
Annual (Continuous) Travel Insurance
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.
Short-Stay Travel Insurance
Travel insurance for a single trip, for holidays and weekends away.
Short-Term Cancellation Insurance
A cancellation insurance in case a planned trip cannot go ahead.
Other3
Boat Insurance
Liability & assistance cover for damage caused with the boat to others up to €10,000,000, plus optional modules for own-damage risks.
Bicycle Insurance
Insurance against theft or damage to bicycles.
Self-Employed (ZZP) Insurance Package
FBTO offers a small range of business insurance products for self-employed people (zzp'ers), covering home offices, business travel and similar needs.
Regulatory updates
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. 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. FBTO no longer sells funeral insurance (uitvaartverzekering); existing customers' policies continue to run. FBTO also no longer sells investment-linked insurance (beleggingsverzekering), though existing policies continue.
Reputation and reviews
Offer pages
Motor third-party liability
motor third-party liability insurance from FBTO for the Netherlands market, with online purchase.
Last verified Sep 1, 2026
Travel insurance
travel insurance from FBTO for the Netherlands market, with online purchase and 24/7 assistance.
Last verified Sep 1, 2026