Voogd & Voogd

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.

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

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

• Insurance brokerage services
• Insurance comparison platform
• Underwriting agency services
• Insurance backoffice administration
• Authorized insurance agent

Headquarters

HQ city

Middelharnis

HQ country

Netherlands

HQ region

Europe

Offices8 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. 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.
2. 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.
3. 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

Go-to-market motion2 records

Distribution channels1 record

Marketing channels6 records

Core 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

Named customers3 records

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability5 records

Feature7 records

Partnerships

27 partnerships are on record, tiered core and minor.

• Alpina GroupcoreStrategic or Co-development PartnerVoogd & 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.coreOthersVoogd 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 DirectcoreOthersVoogd holds an authorized agent (volmacht) agreement with Allianz Direct.
• Allianz Global AssistancecoreOthersVoogd holds an authorized agent (volmacht) agreement with Allianz Global Assistance.
• Anker Insurance CompanycoreOthersVoogd holds an authorized agent (volmacht) agreement with Anker Insurance Company.
• ARAG RechtsbijstandcoreOthersVoogd holds an authorized agent (volmacht) agreement with ARAG Rechtsbijstand for legal expenses insurance.
• a.s.r. Schadeverzekering N.V.coreOthersVoogd holds an authorized agent (volmacht) agreement with a.s.r. Schadeverzekering N.V.
• Avéro Achmea Schadeverzekeringen NVcoreOthersVoogd holds an authorized agent (volmacht) agreement with Avéro Achmea Schadeverzekeringen NV.
• Bovemij Schadeverzekering-maatschappij N.V.coreOthersVoogd holds an authorized agent (volmacht) agreement with Bovemij Schadeverzekering-maatschappij N.V., particularly for automotive insurance products.
• DAS Nederlandse Rechtsbijstand Verz.Mij. N.V.coreOthersVoogd holds an authorized agent (volmacht) agreement with DAS Nederlandse Rechtsbijstand Verz.Mij. N.V.
• Goudse Schadeverzekeringen N.V.coreOthersVoogd holds an authorized agent (volmacht) agreement with Goudse Schadeverzekeringen N.V.
• Elips Life AGcoreOthersVoogd holds an authorized agent (volmacht) agreement with Elips Life AG.
• Ethias NVcoreOthersVoogd holds an authorized agent (volmacht) agreement with Ethias NV.
• HDI Global SEcoreOthersVoogd holds an authorized agent (volmacht) agreement with HDI Global SE.
• Hiscox SAcoreOthersVoogd holds an authorized agent (volmacht) agreement with Hiscox SA.
• Maas Lloyd N.V. SchadeverzekeringsmaatschappijcoreOthersVoogd holds an authorized agent (volmacht) agreement with Maas Lloyd N.V. Schadeverzekeringsmaatschappij.
• Markel Insurance SEcoreOthersVoogd holds an authorized agent (volmacht) agreement with Markel Insurance SE.
• Midglas NV, Glasassurantie MaatschappijcoreOthersVoogd holds an authorized agent (volmacht) agreement with Midglas NV for glass insurance.
• MSIG Europe SEcoreOthersVoogd holds an authorized agent (volmacht) agreement with MSIG Europe SE.
• MSIG Specialty Marine NVcoreOthersVoogd holds an authorized agent (volmacht) agreement with MSIG Specialty Marine NV.
• Nationale Nederlanden Schadeverzekering Mij. N.V.coreOthersVoogd holds an authorized agent (volmacht) agreement with Nationale Nederlanden Schadeverzekering Mij. N.V.
• Rhion Versicherung AGcoreOthersVoogd holds an authorized agent (volmacht) agreement with Rhion Versicherung AG.
• UVM verzekeringsmaatschappij N.V.coreOthersVoogd holds an authorized agent (volmacht) agreement with UVM verzekeringsmaatschappij N.V.
• Zevenwouden UA, Alg. Friese Onderlinge Schadeverz.maatschappijcoreOthersVoogd holds an authorized agent (volmacht) agreement with Zevenwouden UA, Algemene Friese Onderlinge Schadeverzekeringsmaatschappij.
• Stichting CIS (Centraal Informatie Systeem)coreOthersIndustry-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)minorOthersDutch 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)minorOthersCredit 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

Emerging 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

• LinkedInlinkedin.com/company/voogd-&-voogd
• Xx.com/voogdenvoogd

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles17 records

Subsidiaries1 record

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 Voogd & Voogd