Which is the largest insurer in the Netherlands?

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.

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.

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.

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.