What Overstappen.nl does

Overstappen.nl B.V., founded in 2009 and headquartered in Amsterdam, operates one of the largest independent online comparison platforms in the Netherlands. The platform aggregates more than 20 vertical-specific comparison tools covering auto, health, home, travel, pet, bicycle, motorcycle, scooter, funeral, and life insurance, alongside energy contracts, internet and mobile subscriptions, and consumer credit. The underlying technology consists of a proprietary comparison engine that ranks providers based on user-supplied inputs (postcode, household usage, vehicle details, coverage preferences) and integrates via real-time data connections with insurers and energy suppliers. White-label comparison modules are also exposed as customizable iFrame widgets and an API for financial advisors and partner websites.

The company operates an affiliate-referral revenue model in which consumers use the comparison and switching service free of charge, and Overstappen.nl earns one-time or recurring commissions from providers when a customer completes a purchase or is referred to a provider's site. Distribution combines direct-to-consumer acquisition via SEO, content marketing, and earned media (regular expert appearances on Dutch television programs such as NOS and Radar, and press coverage in outlets including AD, Nu.nl, Telegraaf, and Metro) with a partner ecosystem built on the Awin affiliate network and the iFrame/API integrations already noted. The platform is regulated by the Autoriteit Financiële Markten (AFM) under WFT license 12012535 and is a member of the Nederlandse Thuiswinkel Organisatie, providing regulatory credibility and consumer protection guarantees. Overstappen.nl is a subsidiary within the RISK group, a Dutch insurance and financial services conglomerate that also operates RISK Direct and an underwriting agency (volmachtbedrijf).

The company employs 11-50 staff and reports a Trustpilot score of 4.6/5 from 5,734 reviews. It won the "Beste Website van het Jaar" (Best Website of the Year) award in the comparison websites category in 2025. The platform operates on an "execution only" basis without personalized financial advice and explicitly states that commission arrangements do not influence comparison rankings.

Name

Overstappen.nl

Legal name

Overstappen.nl B.V.

Website

https://overstappen.nl

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

Overstappen.nl B.V. is an Amsterdam-based independent online comparison platform serving Dutch households with tools for insurance, energy, telecom, and consumer credit, earning commission from providers on completed switches and operating as a subsidiary within the RISK insurance group.

Ownership category

akta.pro rank

Product category

Price Comparison Platform

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Digital Distribution & Comparison Platforms (Aggregators/Marketplaces) (FSAGAGAA)

akta.pro secondary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

Keywords

• Insurance comparison
• Energy comparison
• Telecom comparison
• Switching service
• Price comparison platform

Headquarters

HQ city

Amsterdam

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

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

Revenue model

1. Commission from Providers: Overstappen.nl receives one-time or recurring payments from insurers and energy providers when customers complete a purchase through the platform. In other cases, they receive a one-time fee when customers are referred to a provider's website and subsequently purchase a product.
2. Affiliate Program Revenue: Partners earn commission (CPS - cost per sale) for driving customers who complete switches through their referral links or integrated comparison tools

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Overstappen.nl operates an independent Dutch online comparison and switching platform that aggregates insurance, energy, telecom, and consumer credit products from multiple providers. Consumers can compare quotes, coverage details, and premiums across auto, health, home, travel, pet, bicycle, scooter, motorcycle, funeral, life, and commercial insurance, as well as energy contracts, internet and mobile subscriptions, and personal loans, then switch directly through the platform on a free, execution-only basis.

Product overview

Overstappen.nl is an independent Dutch online comparison platform that aggregates and displays insurance, energy, telecom, and financial products from multiple providers. The core offering consists of comparison tools for auto insurance, health insurance, home insurance, travel insurance, pet insurance, bicycle insurance, motorcycle insurance, funeral insurance, life insurance, energy contracts, internet/telecom subscriptions, and consumer credit. Users can compare quotes, coverage details, and premiums, then purchase or switch directly through the platform. The platform operates on an 'execution only' basis without financial advice, positioning itself as an intermediary between consumers and insurance/utility providers. The comparison modules are also available as white-label solutions (iFrames and API) for business partners.

Differentiator

Problem solved

Functional benefit

Products and services

• Energie vergelijken (Energy comparison)

Quantifiable outcome

• Consumers can save hundreds of euros per year on fixed costs by comparing and switching providers
• +1 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• TrustpilotcoreGTM or Marketing PartnerCustomer review and rating platform integration. Overstappen.nl displays Trustpilot reviews and ratings (4.6/5 from 5734 reviews) on their website to build consumer trust and transparency in service quality.
• Thuiswinkel Organisatie (Thuiswinkel Waarborg)coreGTM or Marketing PartnerMembership in the Dutch Thuiswinkel organization providing the Thuiswinkel Waarborg (Webshop Quality Seal) certification. Demonstrates commitment to consumer protection, clear pricing, 14-day cooling-off period, and dispute resolution.
• AwincoreChannel Partner/ Reseller/ DistributorAffiliate advertising network used for partner recruitment and commission tracking. Partners can sign up through Awin to access Overstappen.nl's affiliate program for driving customer referrals.
• Kifid (Klachteninstituut Financiële Dienstverlening)minorOthersDispute resolution body for financial services. Overstappen.nl is affiliated with Kifid, allowing consumers to file complaints about the company's services through this independent arbitration mechanism.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Independer: Largest Dutch independent comparison site for insurance, energy and financial products; directly competes with Overstappen.nl on the same provider set, Dutch consumer audience and SEO-driven acquisition.
• Pricewise: Dutch comparison platform focused on energy, insurance and telecom switches; directly comparable in product scope, affiliate revenue model and Dutch consumer segment.
• Vergelijk.nl: Dutch aggregator comparing insurance, energy, telecom and financial products on a commission model; competes head-to-head in the same Dutch household segment.
• Gaslicht.com: Dutch energy comparison and switching service with similar value proposition in the energy vertical that Overstappen.nl also covers; comparable affiliate revenue model.

Broad incumbents

• Consumentenbond / Compare & Choose: Established Dutch consumer association with comparison tools across energy, insurance and telecom; not a pure aggregator but competes for the same comparison-intent traffic.
• Check24: Germany's largest price-comparison platform covering insurance, energy, telecom and finance; relevant as a broader-incumbent peer modelling the European comparison-platform playbook.
• GoCompare: UK-based general insurance and financial product comparison site; comparable multi-vertical aggregator business model and affiliate revenue structure.
• MoneySuperMarket: UK price comparison platform across insurance, energy and finance; comparable vertical breadth and commission-based revenue model.

Regional players

• LeLynx: French insurance and financial product comparison platform; comparable insurance-vertical comparison model but serves a different European geography from Overstappen.nl.

Others

• Awin: Affiliate network through which Overstappen.nl operates its partner programme; included as an ecosystem enabler rather than a competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/overstappen
• YouTubeyoutube.com/@overstappennl
• Facebookfacebook.com/overstappen
• LinkedInlinkedin.com/company/overstappen-nl
• Instagraminstagram.com/overstappen.nl
• TikToktiktok.com/@overstappen

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 Overstappen.nl