Insurer profile
Verzekeruzelf.nl B.V.
<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.
Source- Legal entity
- Verzekeruzelf.nl B.V.
- Headquarters
- 's-Hertogenbosch, Netherlands
- Parent group
- Fidus.nl B.V. (part of HeinenoordZicht Groep, majority-owned by Nationale-Nederlanden/NN Group)
- Regulator
- Autoriteit Financiële Markten (AFM) / De Nederlandsche Bank (DNB)
- Phone
- +31 20 592 9201
- klantenservice@verzekeruzelf.nl
- Founded
- 2002
- Last verified
- Sep 1, 2026
Products from Verzekeruzelf.nl B.V.
motor
Car Insurance
<cite index="56-4">Base coverage options are WA, WA Limited Casco or WA Full Casco, each optionally extended with additional coverages</cite> such as passenger accident cover, legal assistance, and roadside assistance.
motor
Motorcycle Insurance
<cite index="70-3,70-6">Motorcycle insurance offering security and freedom of choice, with four types of base policies that can be enriched with additional coverages</cite>, plus a bonus/malus discount of up to 75%.
property
Home Contents Insurance
<cite index="70-1,70-2">Covers the belongings inside your home up to €125,000, protected against fire, water, theft and/or other damage</cite>, with two base packages that can be extended with additional coverages.
property
Building (Home Structure) Insurance
<cite index="70-7,70-10,70-11">Insures damage to your home against fire, precipitation, storm and similar unforeseen events</cite> that could otherwise bring significant financial consequences.
liability
Personal Liability Insurance (AVP)
<cite index="113-1,113-2,113-5">Worldwide cover for material and personal-injury damage you cause to others, with no deductible</cite>.
liability
Legal Expenses Insurance
<cite index="113-12,113-13">Provides legal advice and legal assistance for conflicts such as disputes with neighbours, employers or family</cite>, with consumer and housing coverage included as standard.
travel
Travel Insurance
<cite index="68-1,68-3,68-7">Year-round travel cover so you never face unexpected costs abroad, offered in three different package levels</cite>, with children up to 27 insurable under certain conditions.
property
Verzekeruzelf.nl Package (WoonZeker Pakket)
<cite index="145-1,145-2">A bundled package offering four different insurances (home structure, contents, liability and legal expenses), with insurance information cards designed by the Verbond van Verzekeraars for easy comparison</cite>.
Regulatory updates
<cite index="24-1">Verzekeruzelf.nl and Intrasurance hold an AFM (Autoriteit Financiële Markten) license and are affiliated with the Klachteninstituut Financiële Dienstverlening (Kifid)</cite>, with AFM license number 12011741. Corporately, <cite index="34-1,34-2">Intrasurance was taken over by Heinenoord Assuradeuren, which became the underwriting agency behind Verzekeruzelf policies</cite>, and the brand itself has since been folded into intermediary Fidus, with the site stating <cite index="75-11">"Verzekeruzelf.nl, onderdeel van Fidus"</cite>. At group level, <cite index="81-1">Fidus and Zicht, risico- en verzekeringsadviseurs were combined per 1 July 2025 into the new organization HeinenoordZicht Groep</cite>, and <cite index="91-1">Nationale-Nederlanden (NN) has taken over the remaining 30% of shares in Heinenoord, as previously announced in 2021</cite>, making NN Group the full owner of the combined intermediary business while it retains an independent market position toward NN.
Reputation and reviews
Offer pages
Travel insurance
Verzekeruzelf is a travel insurance for the Netherlands market with online purchase and 24/7 assistance.
Last verified Sep 1, 2026