Voogd & Voogd
Voogd & Voogd is a Dutch insurance underwriting agency and digital service provider for 1,700+ independent advisors, operating a cloud-based comparison platform across 20+ insurer partnerships and managing €600M+ in premiums.
- Company typePrivate
- Founded1909
- HeadquartersMiddelharnis, Netherlands
- Headcount51–100
- GTM typeB2B
- OfferingServices
What Voogd & Voogd does
Voogd & Voogd Verzekeringen B.V. is a Dutch insurance service provider headquartered in Middelharnis, founded in 1909 and operating since 2021–2022 as a wholly-owned subsidiary of Alpina Group B.V. The company functions as a gevolmachtigd agent (authorized underwriting agent) for approximately 20 insurers — including Allianz, Nationale Nederlanden, ASR, Achmea, Hiscox and Markel — and as a digital infrastructure and backoffice provider for more than 1,700 independent advisory offices and 2,000+ financial advisors across the Netherlands. Its core technology is the cloud-based VoordeelPakket platform, a comparison-and-quotation tool that aggregates personal-lines products from nearly all major Dutch insurers and automatically proposes the most cost-effective coverage combination; supporting modules include the PakketProlongatieCheck (automated renewal comparison), the Uw Backoffice advisor portal, CRM integrations (notably Assu), payment integrations (iDEAL) and the BedrijvenVoordeelPakket for commercial lines.
Voogd monetises through three principal streams: (1) per-policy service fees (servicebijdrage) of €2.08–€3.36 per collection moment, billed to policyholders using its digital systems; (2) intermediation and volmacht commissions on policies sold and administered through its network of advisors; and (3) managed backoffice services — including acceptance, premium collection, claims handling and payout — performed on behalf of insurer partners under power of attorney. Its go-to-market is exclusively channel-based: the company does not sell directly to end consumers, instead recruiting and supporting independent advisors through account managers (~80 offices per manager), the annual Voogd Businessdagen event series, training programs, and a content-driven inbound funnel via voogd.com.
The business currently manages over €600 million in damage premiums and processed approximately 89,965 claims in 2024. With 600+ employees across offices in Middelharnis, Roosendaal, Barendrecht, De Lier, Wijchen, Doetinchem, Bocholtz and Leusden, Voogd is in the middle of a strategic platform migration: approximately one million legacy Klik & Sluit policies are being moved onto VoordeelPakket (full completion targeted mid-2026), the BedrijvenVoordeelPakket is being rolled out in phases, and the claims organization has been restructured into specialized Automotive and Brandvaria branches under a Claims Excellence program. The company has been elected 'Beste serviceprovider in schadeverzekeringen' nine times in the past 15 years.
Voogd & Voogd firmographics
Firmographics- Name
- Voogd & Voogd
- Legal name
- Voogd & Voogd Verzekeringen B.V.
- Website
- https://www.voogd.com/
- Company type
- Private
- Founded year
- 1909
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Voogd & Voogd is a Dutch insurance underwriting agency and digital service provider for 1,700+ independent advisors, operating a cloud-based comparison platform across 20+ insurer partnerships and managing €600M+ in premiums.
- Ownership category
- akta.pro rank
Voogd & Voogd industry classification
Industry- Product category
- Insurance Brokerage and Service Provider
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Claims Adjusting (524291), Other Insurance Related Activities (52429), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)
- SIC
- Insurance Agents, Brokers & Service (6411), Insurance Carriers, Nec (6399)
- akta.pro primary industry
- Insurance Claims Intake & FNOL Support (BPAAAFAA)
Keywords
Where Voogd & Voogd is headquartered
LocationHeadquarters
- HQ city
- Middelharnis
- HQ country
- Netherlands
- HQ region
- Europe
Offices8 records
Markets served
Voogd & Voogd business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Servicebijdrage (Service Fee): Voogd charges a fixed service fee to policyholders for the use of its digital systems covering insurance application, modification, management, and processing. The fee is automatically collected alongside premiums and insurance tax, and appears separately on the policy and invoice.
- Insurance Intermediation / Volmacht Commissions: As a gevolmachtigd agent (authorized agent) for approximately 20 insurers, Voogd earns commission on policies sold through its network of advisors. The company accepts insurance applications, administers policies, collects premiums, handles claims, and pays out claims on behalf of insurers.
- Backoffice and Administrative Services: Provides comprehensive backoffice services including claims administration, acceptance, premium collection, claims handling, and payout services for partner insurers under power of attorney (volmacht) arrangements.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Klik & Sluit - service fee per payment moment |
| Subscription | Monthly | VoordeelPakket - single insured object |
| Subscription | Monthly | VoordeelPakket - multiple insured objects |
| Subscription | Monthly | BedrijvenVoordeelPakket - business customers |
Go-to-market motion2 records
Distribution channels1 record
Marketing channels6 records
Voogd & Voogd product offering
Product offeringCore offering
Voogd & Voogd operates as a Dutch authorized insurance agent (gevolmachtigd agent) holding underwriting authorities from approximately 20 insurers, providing independent financial advisors with a digital insurance comparison and quotation platform (VoordeelPakket) and comprehensive backoffice services covering policy administration, premium collection, claims handling, and payout services. The company enables advisors to compare, sell and service both personal lines and commercial non-life insurance products from multiple insurers through a single integrated platform.
Product overview
Voogd & Voogd is a Dutch insurance service provider (gevolmachtigd agent / underwriting agency) acting as the intermediary layer between ~20 insurance companies and ~2000 independent financial advisers. Its product portfolio is centered on the VoordeelPakket platform, a digital comparison and quotation tool that aggregates products from nearly all major Dutch insurers in a single interface. The core VoordeelPakket handles personal lines (particulier), while the BedrijvenVoordeelPakket extends the same comparison model to commercial lines. Key supporting modules include the PakketProlongatieCheck (automated renewal comparison), Uw Backoffice (advisor portal), and a suite of back-office services covering policy administration, claims handling, and premium collection. The Klik & Sluit legacy system is being phased out with full migration to VoordeelPakket by mid-2026. Voogd holds underwriting authorities (volmachten) from 20+ insurers enabling it to accept, administer, and pay claims on behalf of those insurers.
Differentiator
Problem solved
Functional benefit
Brands
- VoordeelPakket: A user-friendly digital tool for insurance advisors to quickly compare products and coverages from multiple insurers and generate the most cost-effective combination.
- Backoffice (Uw Backoffice)
- Klik & Sluit
- PakketProlongatieCheck (PPC)
- BedrijvenVoordeelPakket
Products and services
- VoordeelPakket
Quantifiable outcome
- 9-time winner of 'Beste serviceprovider in schadeverzekeringen' award in 15 years
- +3 more outcomes
Companies that use Voogd & Voogd
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles1 record
Voogd & Voogd technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability5 records
Feature7 records
Voogd & Voogd partnerships and signals
Strategic signalPartnerships
27 partnerships are on record, tiered core and minor.
- Alpina GroupcoreVoogd & Voogd is a wholly-owned subsidiary of Alpina Group B.V. Alpina Group is a major financial services company in the Netherlands combining multiple insurance advisory and service provider businesses. Voogd operates under Alpina Group's umbrella while maintaining its brand identity and market positioning. Alpina Group provides shared services including IT, HR, finance, and strategic direction.
- Allianz Benelux N.V.coreVoogd holds an authorized agent (volmacht) agreement with Allianz Benelux, enabling Voogd to accept insurance applications, administer policies, collect premiums, handle claims, and pay out claims on behalf of Allianz Benelux.
- Allianz DirectcoreVoogd holds an authorized agent (volmacht) agreement with Allianz Direct.
- Allianz Global AssistancecoreVoogd holds an authorized agent (volmacht) agreement with Allianz Global Assistance.
- Anker Insurance CompanycoreVoogd holds an authorized agent (volmacht) agreement with Anker Insurance Company.
- ARAG RechtsbijstandcoreVoogd holds an authorized agent (volmacht) agreement with ARAG Rechtsbijstand for legal expenses insurance.
- a.s.r. Schadeverzekering N.V.coreVoogd holds an authorized agent (volmacht) agreement with a.s.r. Schadeverzekering N.V.
- Avéro Achmea Schadeverzekeringen NVcoreVoogd holds an authorized agent (volmacht) agreement with Avéro Achmea Schadeverzekeringen NV.
- Bovemij Schadeverzekering-maatschappij N.V.coreVoogd holds an authorized agent (volmacht) agreement with Bovemij Schadeverzekering-maatschappij N.V., particularly for automotive insurance products.
- DAS Nederlandse Rechtsbijstand Verz.Mij. N.V.coreVoogd holds an authorized agent (volmacht) agreement with DAS Nederlandse Rechtsbijstand Verz.Mij. N.V.
- Goudse Schadeverzekeringen N.V.coreVoogd holds an authorized agent (volmacht) agreement with Goudse Schadeverzekeringen N.V.
- Elips Life AGcoreVoogd holds an authorized agent (volmacht) agreement with Elips Life AG.
- Ethias NVcoreVoogd holds an authorized agent (volmacht) agreement with Ethias NV.
- HDI Global SEcoreVoogd holds an authorized agent (volmacht) agreement with HDI Global SE.
- Hiscox SAcoreVoogd holds an authorized agent (volmacht) agreement with Hiscox SA.
- Maas Lloyd N.V. SchadeverzekeringsmaatschappijcoreVoogd holds an authorized agent (volmacht) agreement with Maas Lloyd N.V. Schadeverzekeringsmaatschappij.
- Markel Insurance SEcoreVoogd holds an authorized agent (volmacht) agreement with Markel Insurance SE.
- Midglas NV, Glasassurantie MaatschappijcoreVoogd holds an authorized agent (volmacht) agreement with Midglas NV for glass insurance.
- MSIG Europe SEcoreVoogd holds an authorized agent (volmacht) agreement with MSIG Europe SE.
- MSIG Specialty Marine NVcoreVoogd holds an authorized agent (volmacht) agreement with MSIG Specialty Marine NV.
- Nationale Nederlanden Schadeverzekering Mij. N.V.coreVoogd holds an authorized agent (volmacht) agreement with Nationale Nederlanden Schadeverzekering Mij. N.V.
- Rhion Versicherung AGcoreVoogd holds an authorized agent (volmacht) agreement with Rhion Versicherung AG.
- UVM verzekeringsmaatschappij N.V.coreVoogd holds an authorized agent (volmacht) agreement with UVM verzekeringsmaatschappij N.V.
- Zevenwouden UA, Alg. Friese Onderlinge Schadeverz.maatschappijcoreVoogd holds an authorized agent (volmacht) agreement with Zevenwouden UA, Algemene Friese Onderlinge Schadeverzekeringsmaatschappij.
- Stichting CIS (Centraal Informatie Systeem)coreIndustry-wide data sharing system for insurance claims and fraud information. Voogd contributes to and consults the Cis Databank for fraud detection, claims verification, and policy acceptance decisions. Operates under the CIS users protocol.
- RDW (Rijksdienst voor het Wegverkeer)minorDutch Vehicle Authority providing vehicle registration data. Voogd consults RDW registers for vehicle identification, insurance verification, and cross-referencing in claims processing and fraud detection.
- Economic Data Resources B.V. (EDR)minorCredit and identity data provider used by Voogd for creditworthiness assessments and contact verification in the insurance application process.
Scale indicators9 records
Recent moves8 records
Expansion highlights5 records
Voogd & Voogd competitors and assessment
Company assessmentEmerging players
- Pricewise: Dutch financial-services comparison site including insurance; relevant as a channel that competes with the advisor-mediated distribution that Voogd services.
- Innova (Innovadis/Aula): Dutch insurance platform/CRM vendor with integrations into insurer and intermediary workflows; comparable overlap where both serve advisor automation and policy comparison.
Broad incumbents
- Aon: Global insurance broker and risk advisor offering volmacht-adjacent services and back-office platforms; relevant benchmark for the economies of scale in intermediation and the direction of platform strategy.
- Independer: Major Dutch insurance comparison platform and direct distributor; competes for end-customer attention that flows through Voogd's advisor channel, so revenue overlap and disintermediation pressure is direct even though business model differs.
- Centraal Beheer: Large Dutch insurer (Achmea) historically using direct distribution channels; comparable in product coverage and a structural competitor for the advisor-intermediated model Voogd depends on.
- Marsh McLennan: Global insurance brokerage and risk advisory; broader in scale and scope but directly comparable in the intermediary-and-service-provider activities where overlap exists.
Regional players
- Söderberg & Partners: Northern European insurance and wealth advisory group with proprietary advisor platforms and partnership models; comparable structure though operating in different (Nordic/Baltic/UK) geographies.
Direct peers
- Heilbron: Dutch insurance intermediary and service provider with volmacht activities that was referenced as a counterparty in Voogd-related corporate history. Directly comparable as a competing intermediary service platform serving Dutch independent advisors.
- Aevitae: Netherlands-based gevolmachtigd agent and insurance service provider offering back-office services, comparison tools and policy administration for independent advisors; closest functional analogue to Voogd's model.
Others
- ANVA: Dutch software vendor serving insurance intermediaries with back-office, CRM and policy administration tooling; comparable as an ecosystem enabler to the advisor workflows Voogd supports.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks7 records
Key highlights7 records
Customer concentration
Voogd & Voogd social profiles
Digital presenceVoogd & Voogd compliance and trust
Trust signalCompliance1 record
Voogd & Voogd financial estimates
Financial estimateRevenue estimate
Valuation estimate
Voogd & Voogd leadership team
Management profileNumber of profiles
Profiles17 records
Voogd & Voogd subsidiaries and ownership
Company hierarchySubsidiaries1 record
Voogd & Voogd funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Voogd & Voogd M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Voogd & Voogd
What does Voogd & Voogd do?
Voogd & Voogd operates as a Dutch authorized insurance agent (gevolmachtigd agent) holding underwriting authorities from approximately 20 insurers, providing independent financial advisors with a digital insurance comparison and quotation platform (VoordeelPakket) and comprehensive backoffice services covering policy administration, premium collection, claims handling, and payout services. The company enables advisors to compare, sell and service both personal lines and commercial non-life insurance products from multiple insurers through a single integrated platform.
Is Voogd & Voogd a public or private company?
Voogd & Voogd is a private company. It is classified as corporate owned and is currently operating.
When was Voogd & Voogd founded?
Voogd & Voogd was founded in 1909. It employs 51 to 100 people.
Where is Voogd & Voogd based?
Voogd & Voogd is headquartered in Middelharnis, Netherlands, in the Europe region.
How does Voogd & Voogd make money?
Three revenue lines are on record. Servicebijdrage (Service Fee) is the primary driver. The others are insurance Intermediation / Volmacht Commissions and backoffice and Administrative Services.
Who are Voogd & Voogd's main competitors?
Emerging players on record are Pricewise and Innova (Innovadis/Aula). Broad incumbents are Aon, Independer, Centraal Beheer and Marsh McLennan. Söderberg & Partners is listed as a regional player. Direct peers are Heilbron and Aevitae. ANVA is listed as an others.
Does Voogd & Voogd have an API?
No public API is recorded for Voogd & Voogd.
What industry is Voogd & Voogd in?
Voogd & Voogd's product category is Insurance Brokerage and Service Provider. Its primary akta.pro industry code is BPAAAFAA, Insurance Claims Intake & FNOL Support. Its NAICS code is 5242 and its SIC code is 6411.