Inshared

What Inshared does

InShared is a Netherlands-based, 100% digital consumer insurance provider that sells and services policies exclusively online through inshared.nl, with no physical offices, call centers, or intermediated distribution. Founded in 2009 and operating as a subsidiary of Achmea (one of the largest Dutch insurance groups), InShared offers 14 consumer insurance categories spanning vehicles (auto, moped, scooter, motorcycle, bicycle, caravan), home and contents (inboedel, opstal, combined woon), and personal lines (travel, cancellation, legal expenses, liability, accident, pet). All customer journeys — quote, bind, policy management, claims filing, and invoicing — are handled through the Digitale Verzekeringsmap self-service portal.

The company's commercial differentiator is the JaarBalans (Year Balance) mechanism: 80% of monthly premiums flow into a shared claims pool (schadepot), 20% funds operations, and any surplus remaining at year-end is returned to customers. This is paired with low premium positioning enabled by the absence of physical distribution overhead, and a 24/7 AI chatbot plus online Schademelden for automated support. Marketing runs through owned digital channels (website, Facebook, X, email) and an educational content hub (Slimme Tips), with acquisition supplemented by Collectiviteitskorting group discounts delivered through employer and association partnerships. InShared holds Thuiswinkel Waarborg and Wijzer in Geldzaken trust certifications, and its Autoverzekering was independently rated best in test for April 2026.

Name

Inshared

Legal name

InShared

Website

https://inshared.nl

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

InShared is a Netherlands-only, 100% digital consumer insurer (subsidiary of Achmea) selling 14 product lines direct-to-consumer via inshared.nl, differentiated by a JaarBalans surplus-refund model and self-service Verzekeringsmap.

Ownership category

akta.pro rank

Product category

Personal Lines Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Insurance Carriers and Related Activities (524)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Personal Auto Insurance (FSAJAMAA)

akta.pro secondary industry

Individual AD&D Insurance (Direct-to-Consumer) (FSAIALAC)

Keywords

• Consumer insurance products
• Digital insurance platform
• Vehicle insurance coverage
• Home insurance policies
• Direct-to-consumer insurance

Headquarters

HQ city

Leusden

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: InShared collects monthly premiums from customers. 80% of collected premiums are reserved in a claims pool (schadepot) to cover damages. 20% is allocated for company operations. If there is surplus remaining at year-end, it is returned to customers via the JaarBalans system.
2. Premium Billing: Monthly premium collection via automatic debit (automatische incasso). Billing period runs from the 26th of one month to the 25th of the following month. Customers can pay via iDEAL/Wero link if automatic debit fails.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels7 records

Core offering

InShared sells consumer insurance policies (auto, moped, scooter, motor, bicycle, caravan, contents, buildings, combined home, travel, cancellation, legal expenses, liability, accident, and pet) directly to Dutch consumers online through inshared.nl. Customers self-serve the full lifecycle — quote, purchase, policy changes, and claims — via the Digitale Verzekeringsmap, and unspent premium reserves are returned annually through the JaarBalans mechanism.

Product overview

InShared is a digital-only insurance company offering a portfolio of consumer insurance products organized in two main categories: vehicle insurance (Autoverzekering, Brommerverzekering, Scooterverzekering, Motorverzekering, Fietsverzekering, Caravanverzekering) and home/personal insurance (Inboedelverzekering, Opstalverzekering, Woonverzekering, Reisverzekering, Annuleringsverzekering, Rechtsbijstandverzekering, Aansprakelijkheidsverzekering, Ongevallenverzekering, Dierenverzekering). All products are delivered entirely online through the company's website and the Digitale Verzekeringsmap customer portal, with no physical offices. The company operates on a 'We all benefit' model where JaarBalans returns unused premium reserves to customers annually. Products target Dutch consumers only, with support for collectiviteitskorting (group discounts) through employers or associations.

Differentiator

Problem solved

Functional benefit

Products and services

• Autoverzekering Car insurance product providing vehicle coverage for Dutch consumers, including low premiums, free replacement transport during repairs, and a 24/7 emergency hotline. Marketed as best in test for April 2026.
• Brommerverzekering Moped insurance policy providing coverage for mopeds for Dutch consumers.
• Scooterverzekering Scooter insurance policy providing coverage for scooters for Dutch consumers.
• Motorverzekering Motorcycle insurance policy providing coverage for motorcycles for Dutch consumers.
• Fietsverzekering Bicycle insurance policy providing coverage for bicycles, including electric bicycles, for Dutch consumers.
• Caravanverzekering Caravan insurance policy providing coverage for caravans for Dutch consumers.
• Inboedelverzekering Home contents insurance covering personal belongings inside the home for Dutch consumers, including up to 90 days of coverage during relocation.
• Opstalverzekering Buildings insurance providing coverage for the physical structure of the home for Dutch consumers.
• Woonverzekering Combined home insurance bundling buildings and contents coverage for Dutch consumers, with promotional add-ons such as free glass and complete-event cover.
• Reisverzekering Travel insurance providing trip coverage for Dutch consumers, including worldwide coverage options.
• Annuleringsverzekering Travel cancellation insurance providing coverage for trip cancellations for Dutch consumers.
• Rechtsbijstandverzekering Legal expenses insurance providing coverage for legal costs and disputes for Dutch consumers.
• Aansprakelijkheidsverzekering Personal liability insurance providing coverage for personal liability claims for Dutch consumers.
• Ongevallenverzekering Accident insurance (sum insurance) paying fixed predetermined amounts in case of permanent injury or death for Dutch consumers, rather than covering actual damages.
• Dierenverzekering Pet insurance providing coverage for veterinary costs and pet-related damages for Dutch consumers.

Quantifiable outcome

• Customers who file no claims in a year may receive money back through JaarBalans system
• +1 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

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 minor and core.

• ABS AutoherstelminorImplementation/ SI/ Consulting PartnerAuto repair partner network. Contact number varies by location, see ABS Autoherstel website for individual branch contacts.
• AutotaalglasminorImplementation/ SI/ Consulting PartnerGlass repair partner for vehicle window replacement and repair. Reachable at 0800 - 0828.
• HersteldirectminorImplementation/ SI/ Consulting PartnerDamage repair partner accessible via 0800 - 2112 for vehicle and property repairs.
• AchmeacoreStrategic or Co-development PartnerInShared is a subsidiary (onderdeel) of Achmea, one of the largest insurance companies in the Netherlands. Achmea B.V. and Achmea Schadeverzekeringen N.V. are responsible for customer privacy and data protection.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• ASR Nederland: Top-five Dutch insurance group offering personal P&C, life, and health products. A broad incumbent comparable to InShared in personal lines but with deeper legacy distribution.
• Allianz Direct: European direct-to-consumer digital insurer from Allianz. Targets the same Dutch customers as InShared with a 100% online car and home insurance proposition and global backing.
• Aegon (NL): Major Dutch incumbent offering auto, home, and life insurance through agents and direct channels. Competes for the same Dutch consumer wallet but with a much broader portfolio and physical distribution.
• Nationale-Nederlanden: One of the largest Dutch insurance groups with broad P&C, life, and pension offerings. Competes with InShared across personal lines and benefits from scale and brand heritage that InShared lacks.

Direct peers

• De Goudse: Dutch mid-sized P&C insurer offering auto, home, liability, and legal insurance directly and via brokers. Overlaps with InShared's personal-lines portfolio and competes in the same Dutch consumer segment.
• Centraal Beheer: Direct sister brand of InShared within the Achmea group. Centraal Beheer offers consumer P&C insurance in the Netherlands through a similar direct/digital model and overlaps heavily in auto, home, and travel categories.
• OHRA: Dutch direct-to-consumer insurance provider owned by Nationale-Nederlanden. Offers a similar online-first P&C portfolio (auto, home, liability, legal) and is one of InShared's closest non-Achmea direct competitors.
• FBTO: Another Achmea-owned Dutch direct insurer offering modular consumer insurance. Overlaps with InShared on auto, home contents, and travel, and competes for the same Dutch digital-first customers.

Emerging players

• Lemonade: US-listed digital-native insurtech with a similarly 100% online, chatbot-driven, give-back model (Giveback). Although US-focused, it is the international archetype for InShared's digital + surplus-return concept.

Others

• Independer: Dutch insurance comparison site and switching service. Not a direct insurer but a key channel that commoditizes personal P&C pricing and competes for the same Dutch consumer acquisition funnel InShared depends on.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/inshared
• Facebookfacebook.com/inshared
• LinkedInlinkedin.com/company/575174

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Inshared