TVM Verzekeringen

What TVM Verzekeringen does

TVM Verzekeringen is a Dutch cooperative insurance company (Coöperatie TVM U.A.) founded in 1962 and headquartered in Hoogeveen, Netherlands, operating with 501-1000 employees. The company is owned by its member transport entrepreneurs, a cooperative structure that aligns member incentives with company performance and distinguishes TVM from publicly traded insurers. TVM specializes exclusively in transport, logistics, inland shipping, and pleasure craft insurance, holding a self-described market leader position in Dutch transport insurance.

The company generates revenue primarily through recurring insurance premiums across a broad product portfolio including truck insurance (Vrachtwagenverzekering), delivery van insurance (Bestelautoverzekering), the Transport Entrepreneurs Package for owner-operators, inland navigation and pleasure craft insurance, plus add-on coverages for cyber, legal expense, zero-emission vehicles, and EV charging depot infrastructure. Beyond core underwriting, TVM operates integrated value-added services including TVM Rechtshulp (in-house legal aid), TVM Assistance (24/7 emergency), absence management, and the Mijn TVM self-service portal. The technology backbone includes the Bumper digital prevention platform for damage reporting and the Preventiescan risk assessment tool, which combines claims data with preventive advisory to target an average 20% damage reduction within two years. Recent product additions include the DMA-template for CSRD sustainability reporting (developed with PwC), the TVM Laadpas EV charging card (integrated with Milence's 8-country network), and a TVM protector information security awareness program.

TVM distributes through a multi-channel model combining its Ondernemersdesk advisory sales function, a network of insurance intermediaries (tussenpersonen), direct online premium calculators for SMBs, and partnerships with organizations like INSVER. The company invests in content marketing, sector events such as the NK Veiligste Chauffeur (National Safest Truck Driver competition), webinars, and the TVM Foundation for community engagement. Current strategic focus is on supporting transport companies through the Dutch truck tolling implementation (July 2026), zero-emission transition, NIS2 cybersecurity compliance, and CSRD reporting obligations.

Name

TVM Verzekeringen

Legal name

Coöperatie TVM U.A.

Website

https://tvm.nl

Company type

Private

Founded year

1962

Operating status

Operating

Headcount range

501–1,000 employees

Short description

TVM Verzekeringen is a Dutch cooperative insurer (founded 1962) owned by transport entrepreneurs, specializing in transport, logistics, inland shipping, and pleasure craft insurance across the Netherlands, with integrated prevention services and a market leader position in Dutch transport insurance.

Ownership category

akta.pro rank

Product category

Transport Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Agencies, Brokerages, and Other Insurance Related Activities (5242), Claims Adjusting (524291)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Auto & Fleet Liability Insurance (Primary) (TLABANAA)

akta.pro secondary industries

Loss Control & Safety Engineering (Driver Training, Policy/Program Design, Audits) (TLABANAJ), Claims Administration & TPA Services (FNOL, Subrogation, Litigation Mgmt) (TLABANAH), Commercial Auto & Fleet Insurance (FSAJAMAB)

Keywords

• Transport insurance
• Commercial vehicle coverage
• Cargo insurance
• Inland shipping insurance
• Cyber insurance

Headquarters

HQ city

Hoogeveen

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Transport Insurance Premiums: TVM generates revenue primarily through insurance premiums paid by transport and logistics companies. As a cooperative (Coöperatie TVM U.A.), it is owned by its members who are transport entrepreneurs. Premiums are collected on a subscription/recurring basis aligned with annual or multi-year policy terms.
2. Professional Services: TVM generates additional revenue through related services including legal aid (TVM rechtshulp), claims management, absence management (verzuimmanagement), insurance advisory (ondernemersdesk), and intermediary services.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

TVM Verzekeringen is a Dutch insurance cooperative that sells specialized insurance products for the transport, logistics, inland shipping, and pleasure craft sectors. Core offerings include truck insurance, delivery van insurance, transport entrepreneur packages, inland navigation and pleasure craft insurance, plus add-on coverages such as cyber insurance, legal expense insurance, zero-emission vehicle insurance, and charging depot insurance. The company also delivers prevention services via its digital Bumper platform and Preventiescan risk tool, the TVM Laadpas charging card, and a CSRD reporting template co-developed with PwC.

Product overview

TVM Verzekeringen operates as a cooperative insurance company (Coöperatie TVM U.A.) providing a comprehensive portfolio of insurance products and services specifically tailored for the transport, logistics, and inland shipping sectors. The core product offerings include truck insurance (Vrachtwagenverzekering), delivery van insurance (Bestelautoverzekering), and a bundled Transport Entrepreneurs Package (Transportondernemerspakket) for owner-drivers with up to 5 trucks. The company also serves the maritime sector through inland navigation (Binnenvaartverzekering) and pleasure craft insurance (Pleziervaartverzekering). Beyond traditional insurance, TVM has expanded into digital prevention services, including the Bumper platform for damage reporting and the Preventiescan risk assessment tool. The company offers specialized add-on coverages including Cyber Insurance (Cyberverzekering), Legal Expense Insurance (Rechtsbijstandverzekering), Zero Emission Insurance, and Charging Depot Insurance (Laadpleinverzekering) for electric vehicle infrastructure. Supporting services include the TVM Laadpas charging card for electric trucks, the Mijn TVM customer portal, and TVM Assistance for emergency road services. For regulatory compliance, TVM provides a CSRD reporting tool (DMA-template) developed in partnership with PwC. The portfolio operates as a set of distinct, related insurance products rather than a unified platform architecture.

Differentiator

Problem solved

Functional benefit

Brands

• Bumper: Preventieplatform van TVM voor het melden en voorkomen van schade
• Mijn TVM
• TVM Laadpas
• TVM Rechtshulp

Products and services

• Vrachtwagenverzekering (Truck Insurance) Comprehensive truck insurance coverage for transport companies operating commercial vehicles on Dutch and European roads.
• Bestelautoverzekering (Delivery Van Insurance) Insurance coverage for delivery vans and light commercial vehicles used in transport and logistics operations.
• Transportondernemerspakket (Transport Entrepreneurs Package)
• Binnenvaartverzekering (Inland Navigation Insurance)
• Pleziervaartverzekering (Pleasure Craft Insurance)
• Rechtsbijstandverzekering (Legal Expense Insurance)
• Cyberverzekering (Cyber Insurance)
• Zero Emissie Verzekering (Zero Emission Insurance)
• Laadpleinverzekering (Charging Depot Insurance)
• Bumper Digital Prevention Platform
• TVM Laadpas (TVM Charging Card) Electric truck charging card service giving transport companies access to European charging networks including the Milence network.
• DMA-template Transport en Logistiek Digital CSRD (Corporate Sustainability Reporting Directive) reporting tool providing a pre-filled template for transport and logistics companies, covering 80% of the required reporting.
• VaarVeiligCheck
• Preventiescan Comprehensive risk assessment service that identifies prevention risks through baseline measurement and creates customized action plans targeting an average 20% reduction in damage within 2 years.
• TVM Assistance

Quantifiable outcome

• Preventiescan combined with Bumper and prevention advice aims to reduce damage by 20% within 2 years
• +1 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Nine partnerships are on record, tiered minor and core.

• INSVERminorGTM or Marketing Partner · 25 June 2026TVM joined INSVER's Central Sustainability Desk to make sustainability more accessible and applicable for insurance intermediaries. This gives intermediaries access to knowledge and expertise on the insurability of sustainable mobility and charging infrastructure through INSVER.
• MilencecoreStrategic or Co-development Partner · 18 May 2026TVM and Milence partnered to make fast charging for electric trucks more accessible. Users of the TVM Laadpas (charging pass) can now also charge at Milence's charging network. Milence currently has 34 charging locations across 8 European countries.
• PwCcoreStrategic or Co-development Partner · 2 October 2024TVM collaborated with PwC advisory firm and TVM members to develop a DMA-template (Double Materiality Analysis) specifically for the transport and logistics sector to assist companies with CSRD reporting. The template covers 80% of the report automatically.
• TT ExpertscoreStrategic or Co-development PartnerIn October 2025, TVM and TT Experts jointly traced hundreds of pallets with stolen goods worth over €1 million in Germany. The goods had been stolen via fake carriers. This demonstrates TVM's active role in fraud investigation and goods recovery.
• NK Veiligste Chauffeur PartnerscoreGTM or Marketing PartnerTVM organizes the annual NK Veiligste Chauffeur (National Competition for Safest Truck Driver) together with various partners. The competition is open to truck drivers across the Netherlands and finals include experiences at partner facilities such as Volvo Trucks in Gothenburg.
• NorthwaveminorStrategic or Co-development PartnerNorthwave provides forensic experts for cyber incident investigation and negotiators for ransomware situations. TVM collaborates with Northwave as part of its crisis management support for cyber insurance clients.
• ParcivalminorStrategic or Co-development PartnerParcival, based in Zoetermeer, specializes in crisis management support. TVM conducted a realistic crisis exercise with Parcival's cyber experts, and Parcival supports TVM with crisis communication to customers, media, and other stakeholders.
• Platform Veilig Ondernemen Oost-Nederland (PVO)minorGTM or Marketing PartnerTVM and PVO jointly raise awareness about fake carriers and transport fraud, urging entrepreneurs who digitally distribute and accept transport orders to verify who they are doing business with.
• NS, ProRail, Provincie Drenthe, Gemeente HoogeveenminorStrategic or Co-development PartnerCollaborative partnership for the redevelopment of the Hoogeveen station area, where TVM's new headquarters will be located as part of an integrated station district redevelopment.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• NN Group (Nationale-Nederlanden): Major Dutch-headquartered insurer with significant P&C and life operations across Europe. Overlaps with TVM in commercial P&C lines but operates a much broader, geographically diversified portfolio.
• Achmea (including Interpolis and Avéro Achmea): Largest Dutch insurance group with extensive P&C, health, and life offerings, including commercial lines through Avéro Achmea. A broad incumbent competitor to TVM in Dutch commercial vehicle and SME insurance, though without TVM's pure-play transport focus.
• Allianz Commercial: Global commercial insurance arm of Allianz, with dedicated fleet, motor fleet, and transport liability lines. Competes with TVM in commercial auto and fleet insurance across Europe with significantly larger scale and capital.
• QBE Insurance: Global specialty insurer with significant commercial motor, marine, and cargo lines. Directly comparable to TVM's inland shipping, cargo, and commercial vehicle insurance products, though at a much larger international scale.
• ASR Nederland: One of the largest Dutch insurance groups, offering broad P&C, life, and health products. Competes with TVM in commercial vehicle and SME insurance but as part of a much wider portfolio and a publicly listed, scale-driven model.

Direct peers

• Univé: Dutch cooperative insurer with a member-ownership structure similar to TVM, offering P&C products to retail and SME customers. Comparable business model (mutual/cooperative) and overlapping distribution through intermediaries in the Dutch market.
• Klaverblad Verzekeringen: Dutch mutual insurer offering niche P&C and life products to specific professional segments. Structurally similar to TVM as a member-owned insurer with a vertical focus, and a direct competitor for Dutch SME and self-employed professional customers.
• De Vereende: Dutch specialist insurer focusing on non-standard and hard-to-place risks, including commercial vehicles and mobility-related coverage. Closely aligned with TVM's niche specialist positioning in the Dutch non-standard insurance market.

Others

• Aon (as broker): Global insurance broker that places commercial fleet and transport insurance for large corporates. Not a direct competitor (broker, not carrier) but a key distribution counterpart and competitor in advisory services for large transport clients.

Emerging players

• Hiscox: Specialty insurer with strong SME and commercial lines expertise, including cyber and professional indemnity. Comparable to TVM's specialist, niche-driven approach and emerging focus on cyber insurance products for SMEs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/tvmverzekeringen
• LinkedInlinkedin.com/company/tvm-verzekeringen
• Instagraminstagram.com/tvm_verzekeringen

Revenue estimate

Valuation estimate

Number of profiles

Profiles24 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 TVM Verzekeringen