Insurer profile
Coöperatie Klaverblad Verzekeringen U.A.
<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>
Source- Legal entity
- Coöperatie Klaverblad Verzekeringen U.A.
- Headquarters
- Zoetermeer, Netherlands
- Regulator
- De Nederlandsche Bank (DNB) and the Netherlands Authority for the Financial Markets (AFM)
- Phone
- +31 79 320 4204
- info@klaverblad.nl
- Founded
- 1850
- Last verified
- Sep 1, 2026
Products from Coöperatie Klaverblad Verzekeringen U.A.
property
Home (Building) Insurance
<cite index="113-2,113-3">Covers damage to everything permanently attached to the home, such as the roof, chimney, drainpipe or sink.</cite>
property
Home Contents Insurance
<cite index="113-7,113-8,113-9">Covers loose household contents such as a sofa, TV or dining table against damage or theft.</cite>
liability
Personal Liability Insurance
<cite index="112-1,112-2">Covers damage caused accidentally to third parties, with the aansprakelijkheidsverzekering providing coverage for the resulting damage.</cite>
liability
Legal Expenses Insurance
General legal expense insurance offering legal assistance in various types of personal conflicts.
liability
Traffic Legal Expenses Insurance
<cite index="96-1,96-2">Provides legal assistance in case of a traffic accident or another legal conflict involving the customer's car or motor vehicle.</cite>
health
Family Accident Insurance
<cite index="119-1">Pays out a one-time benefit if the policyholder, partner or a child becomes permanently disabled or dies as a result of an accident.</cite>
motor
Car Insurance (Third Party Liability)
Mandatory third-party liability car insurance covering damage caused to other parties.
motor
Car Insurance (Casco/Comprehensive)
<cite index="118-9,118-10">The Royaal car insurance covers the vehicle well at an attractive premium, including a free recovery service.</cite>
motor
Moped/Scooter Insurance
<cite index="118-11">Insures a moped or scooter at an attractive premium.</cite>
motor
Motorcycle Insurance
<cite index="95-10,95-11">Insures the motorcycle at a low price, with an optional additional coverage on top of the mandatory WA insurance.</cite>
property
Bicycle Insurance
Insures bicycles against theft and damage.
motor
Mobility Scooter/Invalid Carriage Insurance
Covers mobility scooters and invalid carriages against damage and liability.
travel
Continuous Travel Insurance
Annual travel insurance covering medical costs, luggage and cancellation during trips.
property
Caravan Insurance
Covers touring and static caravans against damage and theft.
property
Holiday Home Insurance
Insures holiday/recreation homes against damage.
other
Personal Insurance Package
A bundled package combining home, contents, liability, legal expenses and accident insurance for private customers.
property
Agricultural Business Insurance
<cite index="120-13">Insures both agricultural business assets and animals against damage.</cite>
liability
Liability Insurance for Agricultural Businesses
<cite index="121-11">Covers damage arising from the activities of the agricultural business.</cite>
property
Buildings Insurance (SME/Agricultural)
Covers business or farm buildings against fire, storm and other damage.
property
Business Interruption Insurance for Agricultural Businesses
<cite index="123-1,123-2">Covers financial loss caused by business interruption resulting from damage to a building or business assets.</cite>
liability
Legal Expenses Insurance for Agricultural Businesses
<cite index="126-19,126-20">Provides legal assistance from a lawyer of the Klaverblad Rechtsbijstand Stichting, aiming to resolve conflicts without going to court where possible.</cite>
motor
Agricultural Tractor and Equipment Insurance
<cite index="125-5,125-6">Allows even non-agricultural entrepreneurs who own a (land) vehicle to take out this tractor and equipment insurance online.</cite>
liability
Environmental Damage Insurance
Covers liability for environmental damage caused by a business.
health
Disability/Income Protection Insurance
Provides an income benefit for entrepreneurs who become unable to work due to disability.
property
Inventory and Goods Insurance
Covers business inventory and stock/goods against damage.
property
Money Insurance
Covers loss of cash and valuables kept or transported by a business.
motor
Company Car Insurance
Motor insurance for passenger cars used for business purposes.
motor
Commercial Vehicle Insurance
Motor insurance for vans and other commercial vehicles.
liability
SME Legal Expenses Insurance
Legal expense insurance tailored for small and medium-sized enterprises.
liability
SME Liability Insurance
Business liability insurance for small and medium-sized enterprises.
property
Electronics Insurance
Covers business electronic equipment against damage and breakdown.
property
Transport of Own Goods Insurance
Covers goods owned by the business while being transported.
motor
Truck Insurance
Motor insurance for trucks used commercially.
property
Work Equipment Insurance
Covers business machinery and work equipment against damage or theft.
other
Business Insurance Package
A bundled package of business insurance products for SMEs.
property
General Agricultural Insurance
<cite index="125-1,125-2">Covers risks specific to agricultural businesses, from stable fires to hay fermentation and contagious livestock diseases, supported by agricultural advisors and specialists.</cite>
life
Garantie Groei Polis (Guaranteed Growth Policy)
<cite index="104-2,106-2">A savings-linked life policy that Klaverblad retained when its other life insurance policies were transferred to Lifetri Groep.</cite>
Regulatory updates
<cite index="102-1,102-2">Since 4 March 2020, Klaverblad's life insurance portfolio has been transferred to the Lifetri Groep, although the Klaverblad funeral insurance policy itself continues unchanged.</cite> <cite index="106-2">Lifetri is a new market entrant that took over (only) the life insurance policies of Klaverblad, with the exception of the Garantie Groei Polis, which Klaverblad retained.</cite> As an insurer active in the Netherlands, Klaverblad remains subject to ongoing prudential supervision by DNB and conduct-of-business supervision by the AFM under the Wft/Solvency II framework.
Reputation and reviews
Offer pages
Motor casco
Klaverblad is a motor casco insurance for the Netherlands market with online purchase and limited assistance availability.
Last verified Sep 1, 2026
Motor third-party liability
Klaverblad 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
Klaverblad is a travel insurance for the Netherlands market with no online purchase and 24/7 assistance.
Last verified Sep 1, 2026