How size is measured
- Gross premium income per line of business
- Number of policies or insured persons
- Total assets of the group
- Brand names often sit under a parent company
Which is the largest insurer in the Netherlands?
There is no single answer: it depends on what you measure and in which segment. What matters more is whether the conditions suit your situation.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
The question sounds simple, but there are several answers. If you measure by gross premium income, by number of policies or to total assets, the ranking comes out differently. It also differs by market: the largest party in health insurance is not the largest in general or life insurance. The largest Dutch insurance groups are usually taken to be Achmea, NN Group and a.s.r. In the health insurance market, Zilveren Kruis, VGZ, CZ and Menzis are the familiar names.
That ranking also shifts through mergers and acquisitions, and many well-known brand names belong to the same group. We therefore do not quote percentages: current figures are published by De Nederlandsche Bank and the Dutch Association of Insurers. For your own choice, the size of an insurer is rarely decisive.
Personal advice, not a call centre
Finass Verzekert is a licensed, independent firm. You get one advisor who knows your situation — including the moment a claim actually happens and it matters most.
AdvicePhoto coming soon
PersonalPhoto coming soon
ClaimsPhoto coming soon
What size does and does not tell you
Three ways of looking at an insurer, only one of which is about your policy.
What it does not predict
Size says nothing about your premium or your cover.
- Rates differ by risk profile
- Exclusions are unrelated to market share
- Underwriting policy may even be stricter
- Claims handling differs from case to case
What you do look at
The points that make the difference when you claim.
- Sum insured and basis of valuation
- Exclusions and limits
- Guarantee against underinsurance
- Excess per event
What is covered
| Situation | Large insurer | Smaller insurer |
|---|---|---|
| Is supervised by DNB and the AFM | Yes | Yes |
| Offers a wide range of products under one brand name | Yes | Provided that |
| Accepts unusual properties, such as thatched or listed buildings | Provided that | Provided that |
| Works with fixed standard conditions | Yes | Provided that |
| Therefore automatically has the lowest premium | No | No |
| Therefore automatically has the widest cover | No | No |
What an insurer means for you appears from its policy conditions and insurance card (verzekeringskaart), not from its market share.
What does your premium depend on?
- Nature of the risk: what and who you insure
- Sum insured: rebuild or replacement value
- Type of cover: limited, extended or comprehensive
- Postcode area: burglary, storm and water risk
- Excess: higher amount, lower premium
- Acceptance policy: differs considerably from company to company
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, risk and wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Two points about this question
What market figures are worth to you, and what you can steer on instead.
Market figures are public, but they change
De Nederlandsche Bank publishes statistics on the insurance sector and insurers report their premium income in their annual reports. Those figures are reliable, but they shift through mergers, acquisitions and portfolio transfers. The market is also highly concentrated: several well-known brands belong to the same group, so that by switching you sometimes stay with the same risk carrier.
Steer on conditions, not on size
At every insurer, large or small, the same exclusions remain: wear, deferred maintenance and inherent defect, war risks and nuclear reactions, and damage caused by intent or recklessness under Article 7:952 of the Dutch Civil Code. The difference lies in the sums insured, the limits for special items and whether there is a guarantee against underinsurance. Compare those points before you look at the premium.
Frequently asked questions
This is what people ask us most.
Which insurer really is the largest?
That depends on the measure and the segment. The largest Dutch insurance groups are taken to be Achmea, NN Group and a.s.r. In the health insurance market, Zilveren Kruis, VGZ, CZ and Menzis are the big players. Because the balance shifts from year to year and from one line of business to another, we do not give a ranking with percentages.
Where do I find reliable market figures?
With De Nederlandsche Bank, which publishes statistics on the insurance sector, and with the Dutch Association of Insurers, which issues market figures each year. Premium income and results also appear in the groups' own annual reports. Figures from comparison sites are often older or relate to a different segment from the one you are looking for.
Is a large insurer safer?
All Dutch insurers have to meet European capital requirements and are subject to prudential supervision by De Nederlandsche Bank. Size in itself therefore gives no extra security. Unlike with savings, there is no guarantee scheme for general insurance, so it is sensible to look at the financial position of the risk carrier as well.
Am I better off insuring with a large or a small party?
That depends on your risk. Large companies work with fixed standard conditions and are keenly priced on common risks. Smaller or specialist insurers more often accept unusual situations, such as a thatched roof, a listed building or a classic car. So have your own situation put to the market rather than choosing on name.
Every situation is different. For these situations we have a separate page.
- About Finass VerzekertThe main page
- Finass Verzekert and taking out insurance onlineApplying online, advice, AFM authorisation
- Websites and registers you can useRegisters, comparison sites, reliability
- How many insurance policies are there in the Netherlands?Main groups, classification, compulsory or not
- Insurance in the NetherlandsCompulsory, customary, supervision
- What you may expect from Finass VerzekertAdvice, intermediation, claims support
Read more
Within Over ons
Would you rather have a comparison for your situation?
Request a quote without obligation. We set large and smaller insurers side by side.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.