Unigarant

What Unigarant does

Unigarant N.V. is a Dutch private non-life insurer established in 1971 (originally as Garant) and headquartered in Hoogeveen, Netherlands. It operates as the wholly owned insurance subsidiary of ANWB, the Dutch mobility, travel, and leisure association with approximately five million members. Unigarant specializes in personal lines schadeverzekeringen (damage insurance) organized across three segments: mobility (car, motorcycle, camper, bicycle, e-bike, scooter, scootmobiel, moped, oldtimer), travel and recreation (annual and single-trip travel, cancellation, caravan, water sports), and home (buildings, contents, liability, legal expenses, accident, and a combined woonverzekering). The company also distributes ANWB-branded telematics and usage-based products including ANWB Veilig Rijden (driving-behavior insurance with up to 30% premium discount) and ANWB Kilometerverzekering (pay-per-mile insurance for drivers traveling under 7,500 km annually).

The product backbone includes telematics scoring via smartphone sensors, pay-per-mile underwriting, and a recently deployed CO2-impact measurement module (Sustainable Estimatics by Solera), through which Unigarant claims to be the first Dutch insurer to broadly deploy repair-chain emissions analytics. Insurance premiums form the primary revenue stream, supplemented by investment income earned on the premium float through UVM Verzekeringsmaatschappij N.V. (managed externally with Goldman Sachs Asset Management as fiduciary advisor). Products are priced on individualized risk assessment and sold through insurance advisors, volmachtpartners (binding agents), bicycle specialists, travel agencies, and ANWB's own direct channels (ANWB.nl and ANWB shops). Operational metrics include 220,000 annual damage claims handled, approximately one million annual customer inquiries, 250,000+ active Veilig Rijden users who have collectively driven 13.3 billion kilometers, and a customer satisfaction score of 8.3-8.4 (Feeddex).

Unigarant serves the Dutch consumer market exclusively, with no disclosed international operations. The company employs 650-700+ people and is led by General Director Floor van Workum alongside functional directors for Operations (Marcel Spronk), Finance (Fred Schuurman), Commercial (Ivonne van den Heuvel), and the newly created Director Digital role (Peter Leever, appointed June 1, 2026). Compliance posture includes ISO 27001-aligned information security, GDPR/AVG data processing, and DORA digital operational resilience compliance. A related parent entity, Drive Safe Assistance, was established in 2024 to commercialize Unigarant's telematics expertise to third-party organizations beyond the ANWB ecosystem.

Name

Unigarant

Legal name

Unigarant N.V.

Website

https://unigarant.nl

Company type

Private

Founded year

1971

Operating status

Operating

Headcount range

251–500 employees

Short description

Unigarant is the wholly owned private non-life insurance subsidiary of ANWB, the Dutch mobility and travel association. It underwrites retail insurance across mobility (vehicles, bicycles, e-bikes), travel and recreation, and home lines for Dutch consumers, distributed through advisors, binding agents, and ANWB channels.

Ownership category

akta.pro rank

Product category

Personal Non-Life Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA)

akta.pro secondary industries

Telematics-Based Insurance & Usage-Based Rating (UBI) (TLABANAK), Travel & Accident (Non-Life) Insurance (FSAJAMAN)

Keywords

• Private non-life insurance
• Mobility insurance
• Travel insurance
• Home insurance
• Vehicle insurance

Headquarters

HQ city

Hoogeveen

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Private Insurance Premiums: Unigarant generates revenue through insurance premiums from private damage insurance products covering mobility (auto, motorcycle, camper, bicycle, scooter, scootmobiel), travel and recreation (travel insurance, cancellation insurance, caravan insurance, water sports insurance), and housing (home insurance, contents insurance, liability insurance, legal insurance, accident insurance).
2. Investment Income (UVM): UVM Verzekeringsmaatschappij N.V. invests premiums in equities, corporate bonds, money market instruments, Dutch mortgages, and government bonds through funds managed by external asset managers including Goldman Sachs Asset Management.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Unigarant is ANWB's dedicated private non-life insurance company, selling damage insurance products to Dutch consumers across three pillars: mobility (car, motorcycle, camper, classic car, moped, scooter, high-speed e-bike, bicycle, mobility scooter), travel and recreation (multi-trip and single-trip travel, cancellation, caravan, water sports), and home (buildings, contents, liability, legal expenses, accident, combined home). Distribution blends independent advisors and binding agents with direct ANWB channels, complemented by ANWB-branded telematics and pay-per-mile products.

Product overview

Unigarant is the insurance company of ANWB offering a comprehensive portfolio of insurance products across three main categories: Mobility (Mobiliteitsverzekeringen), Travel & Recreation (Reis en recreatieverzekeringen), and Home (Woonverzekeringen). The mobility portfolio includes car, motorcycle, camper, classic car, moped, scooter, bicycle, high-speed e-bike, and mobility scooter insurance. Travel products encompass annual and short-term travel and cancellation insurance, caravan insurance, and water sports insurance. Home coverage includes buildings, contents, liability, legal expenses, accident, and combined home insurance. Unigarant also distributes ANWB-branded products including ANWB Veilig Rijden Autoverzekering (driving behavior-based car insurance) and ANWB Kilometerverzekering (kilometer-based insurance). The company additionally offers Sustainable Estimatics for CO2 impact tracking in damage repair. Insurance products are primarily sold through independent advisors and ANWB channels.

Differentiator

Problem solved

Functional benefit

Products and services

• Autoverzekering Vehicle insurance for private car owners in the Netherlands with selectable liability-only, limited casco, or full casco coverage, available through Unigarant advisors and ANWB channels.
• ANWB Veilig Rijden Autoverzekering Driving behavior car insurance that scores safe driving via smartphone sensors (speed, braking, acceleration, cornering), provides personalized coaching, and offers premium discounts up to 30% for safe drivers under the ANWB brand.
• ANWB Kilometerverzekering Usage-based car insurance under the ANWB brand that charges lower premiums to customers driving under 7,500 kilometers per year, serving as a sustainability-oriented alternative to standard policies.
• Fietsverzekering Bicycle insurance covering theft and damage for standard and electric bikes, distributed through Unigarant and ANWB partner bicycle specialists.
• Motorverzekering Motorcycle insurance for private Dutch riders with selectable liability, partial casco, or full casco coverage including storm damage.
• Camperverzekering Camper insurance for private owners with liability, limited casco and full casco options, including glass, hail and storm damage protection.
• Oldtimerverzekering Specialist insurance for classic and collector vehicles, designed to fit the unique usage patterns of vintage car owners.
• Bromfietsverzekering Moped insurance for private owners with theft-only or theft-plus-accident options.
• Scooterverzekering Scooter insurance for private owners covering theft and accident damage.
• High-speed E-bikeverzekering Insurance built for high-speed electric bicycles (speed pedelecs) that exceed standard e-bike limits.
• Scootmobielverzekering Insurance for mobility scooters used by individuals with limited mobility.
• Doorlopende Reisverzekering Continuous annual travel insurance covering multiple trips abroad, with optional cancellation and calamity cover add-ons.
• Doorlopende Annuleringsverzekering Annual cancellation insurance covering costs when booked trips are cancelled, including composite travel.
• Kortlopende Reisverzekering Single-trip travel insurance covering a specific vacation period with optional cancellation and calamity cover.
• Kortlopende Annuleringsverzekering Single-trip cancellation insurance covering costs if a specific trip must be cancelled, with optional composite travel and calamity add-ons.
• Caravanverzekering Caravan insurance with hail and storm damage options, including awning, contents and replacement accommodation cover.
• Watersportverzekering Boat and watercraft insurance offered in WA+Basis Casco or WA+Uitgebreid Casco forms, including storm damage and emergency towing up to EUR 1,000.
• Opstalverzekering Buildings insurance for private homeowners covering structural damage from storm, lightning, fire and water damage.
• Inboedelverzekering Contents insurance for private households covering personal belongings against damage, theft and specified perils.
• Aansprakelijkheidsverzekering Private liability insurance covering legal liability for property damage or bodily injury to third parties.
• Rechtsbijstandverzekering Legal expenses insurance covering legal costs and representation in covered disputes for private customers.
• Ongevallenverzekering Personal accident insurance paying lump-sum or daily benefits in case of accidental death, disability or injury.
• Woonverzekering Bundled home insurance combining buildings and contents coverage with standard cover for solar panels, heat pumps and charging stations.

Quantifiable outcome

• 15% lower WA damage rate compared to standard car insurance for Veilig Rijden customers
• +4 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability3 records

Feature3 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• SoleracoreTechnology or Integration · 26 June 2026Partnership with Solera to implement Sustainable Estimatics tool that makes CO2 impact of damage repair visible. Unigarant is the first insurer in the Netherlands to deploy this tool broadly, enabling data-driven decisions about repair versus replacement and supporting sustainability goals in the damage chain.
• Drive Safe AssistanceminorStrategic or Co-development Partner · 1 January 2024Drive Safe Assistance (DSA) was founded in 2024 by ANWB to enable other organizations to achieve similar results as ANWB Veilig Rijden. Marin Roos, former Director ICT & Innovatie at Unigarant, moved to lead DSA.
• Erkend DuurzaamcoreStrategic or Co-development PartnerCertification organization for sustainable repair companies. Unigarant's repair network consists of sustainable repair companies certified by Erkend Duurzaam or equivalent certifications like Ecovadis or Groen Gedaan.
• EcovadiscoreStrategic or Co-development PartnerSustainability rating organization. Unigarant's repair network includes companies with Ecovadis certification or equivalent sustainable repair certifications.
• Groen GedaancoreStrategic or Co-development PartnerFoundation supporting sustainable repair. Unigarant's repair network includes companies certified by Stichting Duurzaam (Groen Gedaan) or equivalent sustainable repair certifications.
• Team Picnic PostNLminorOthersOne of the oldest sponsors of the Picnic PostNL cycling team with a partnership spanning over 20 years. Unigarant supports cycling sport as part of their heritage with bicycles and mobility focus.
• Road Managers (Wegbeheerders)minorStrategic or Co-development PartnerOver 260 road managers use anonymized driving data from Veilig Rijden to analyze and improve traffic situations on Dutch roads, contributing to road safety.
• Cascaderun HoogeveenminorOthersMain sponsor of the Cascaderun in Hoogeveen, a local sports event. Team Unigarant participates annually, with the event turning Hoogeveen blue for one weekend.

Scale indicators8 records

Recent moves8 records

Expansion highlights6 records

Broad incumbents

• Generali Nederland: Local arm of Generali Group offering P&C and life insurance in the Netherlands. Competes with Unigarant in personal auto and home lines, with stronger commercial/SME insurance exposure.
• NN Group: Dutch-headquartered insurer with Nationale-Nederlanden brand offering P&C, life, and pensions. Overlaps with Unigarant in Dutch personal lines and is comparable in size/scale, though NN's portfolio is much more diversified into life and pensions.
• ASR Nederland: One of the largest Dutch insurance groups offering personal and commercial P&C, life, and health insurance. Direct overlap with Unigarant in Dutch personal auto, home, and travel lines, but at significantly larger scale and with a broader portfolio including life/health.
• Progressive: US-based auto insurer widely regarded as the pioneer of usage-based/telematics insurance (Snapshot). Relevant global benchmark for Unigarant's Veilig Rijden and Kilometerverzekering UBI products.
• Achmea: Parent of Centraal Beheer, Interpolis, InShared, and FBTO — major Dutch P&C brands. Directly competes with Unigarant in personal auto, home, and travel insurance and has stronger digital and direct-to-consumer capabilities (e.g., InShared).
• Allianz Nederland: Dutch subsidiary of global insurer Allianz, providing personal and commercial P&C products. Comparable to Unigarant in personal mobility and home insurance, with additional backing of a global brand and broader product set.

Emerging players

• InShared: Online-only Dutch P&C insurer (Achmea) offering low-cost auto, home, and travel insurance. Comparable to Unigarant's direct channel via ANWB.nl, but with a leaner digital cost structure that may pressure Unigarant on price.

Direct peers

• Nationale-Nederlanden (NN): Direct-to-consumer P&C and life brand of NN Group in the Netherlands. Closely comparable to Unigarant's private-lines focus on auto, home, and travel, sold through both direct and advisor channels.
• Centraal Beheer: Iconic Dutch Achmea brand specializing in personal and SME insurance. Direct competitor to Unigarant across mobility, home, and travel products, with similar advisor-led distribution.
• Interpolis: Achmea-owned Dutch brand with strong personal-lines focus ("Glashelder" positioning) directly competing with Unigarant in auto, home, and travel insurance for Dutch consumers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/unigarant
• Xx.com/unigarantnl
• Facebookfacebook.com/unigarant

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Unigarant