DVV Verzekeringen

What DVV Verzekeringen does

DVV Verzekeringen is a Belgian insurance provider, operating as a commercial brand of Belins NV, which is wholly owned by Belfius Insurance and sits within the Belfius Group, a major Belgian financial services conglomerate. Founded in 1929 and headquartered at Karel Rogierplein 11 in Brussels, DVV offers a comprehensive, multi-line insurance portfolio for Belgian individuals (Particulieren) and self-employed professionals and SMEs (Zelfstandigen & KMO's). The product range spans mobility (auto, motorcycle, bicycle, camper, travel, legal protection, roadside assistance), home (fire, tenant, homeowner, mortgage credit, credit life), family and health (family liability, hospitalization, personal accident, life/death, funeral), savings and investment (Tak 21 savings insurance, pension savings, Branch 23 funds), and business lines (commercial vehicle, business property, work accident, group insurance for SMEs with 3-50 employees). Pricing is quote-based and advisory-driven rather than published.

The company's go-to-market is relationship-led: more than 903 independent consulenten operate from over 300 local offices across Belgium, conducting face-to-face advisory, multi-product check-ups, and ongoing account management. Distribution is supplemented by digital channels — the dvv.be website (with product information, simulators, and an advisor locator) and the MyDVV customer portal — but sales remain advisor-mediated. The technology stack is conventional martech (Adobe Analytics, Adobe Target, Google Analytics, reCAPTCHA, OneTrust) rather than proprietary AI/ML infrastructure, and no public APIs, mobile apps, or AI-driven underwriting are disclosed.

DVV makes money through recurring insurance premiums and fees across its product lines, with disclosed pricing economics on savings products (entry fees of 2.5% on gross deposits, management fees of 0.10-0.12% per year, declining exit fees from 5% in year 1 to 1% after year 4, and a 2% premium tax) and on SME group insurance (premiums set as 3-12% of gross salary). The firm reports 445,826 loyal customers, a stated 97% customer satisfaction rate, and consecutive DECAVI Life Insurance Trophies (2024-2025) for its Tak 21 savings product. Operating geographies are restricted to Belgium, with the company subject to FSMA and National Bank of Belgium prudential supervision (NBB code 0037).

Name

DVV Verzekeringen

Legal name

Belins NV

Website

https://dvv.be

Company type

Private

Founded year

1929

Operating status

Operating

Headcount range

101–250 employees

Short description

DVV Verzekeringen is a Belgian insurance provider (commercial brand of Belins NV within the Belfius Group) offering auto, home, family, health, savings, and SME insurance products to Belgian individuals and self-employed/SME customers through 903 independent consulenten across 300+ local offices.

Ownership category

akta.pro rank

Product category

Insurance Services

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Direct Life, Health, and Medical Insurance Carriers (52411), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Direct Health and Medical Insurance Carriers (524114)

SIC

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

akta.pro primary industry

General Liability Insurance (FSAJAMAE)

akta.pro secondary industries

Hybrid Life + LTC (Linked-Benefit) Insurance (FSAIAJAB), Annuity + LTC / Long-Term Care Riders (FSAIAJAC)

Keywords

• Personal insurance products
• Vehicle insurance coverage
• Home insurance policies
• Savings and pension plans
• SME group insurance

Headquarters

HQ city

Brussel

HQ country

Belgium

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Motor Insurance: Auto, motor, scooter, and bicycle insurance products including comprehensive (omnium) coverage and assistance services
2. Home Insurance: Brandverzekering (fire/home insurance), huurdersverzekering (renter's insurance), and eigenaarsverzekering (homeowner's insurance)
3. Family & Health Insurance: Familiale verzekering (family liability), hospitalisatieverzekering (hospitalization), and personal accident insurance
4. Travel Insurance: Reisverzekering (travel insurance) and travel assistance services
5. Legal Protection: Rechtsbijstand (legal protection insurance) for personal and traffic-related matters
6. Tak 21 Savings Insurance: Life insurance savings product (Tak 21) with guaranteed interest rate (2% to 2.80%) and potential profit participation. Minimum initial deposit of 2,500 EUR, then 25 EUR/month
7. Pension & Long-term Savings: Pensioensparen (pension savings) and long-term savings products
8. Mortgage Credit: Woonkrediet (mortgage credit) and schuldsaldoverzekering (credit protection insurance)
9. Group Insurance for SMEs: Employees Pension & Care (assurance groupe) for SME employees with guaranteed interest rate of 1.75%

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

DVV Verzekeringen is a Belgian insurance provider (commercial brand of Belins NV) that sells a comprehensive range of personal and business insurance products including auto, motorcycle, bicycle, camper, travel, home, family liability, hospitalization, life, and funeral insurance, plus savings, investment, pension, and mortgage credit products. Distribution occurs through a network of more than 300 local offices staffed by 1,000+ independent insurance consultants across Belgium, supplemented by the dvv.be website and MyDVV customer portal.

Product overview

DVV Verzekeringen is a Belgian insurance company (commercial brand of Belins NV) offering a comprehensive portfolio of insurance and financial products through a network of over 300 independent agent offices and digital channels. The core offering spans five main categories: (1) Mobility insurance covering auto, motorcycle, bicycle, camper, travel, assistance, and legal protection; (2) Home insurance including fire insurance, tenant coverage, and homeowner policies via Cocoon Start and Cocoon Flex sub-brands; (3) Family & Health insurance encompassing family liability, hospitalization, personal accident, and life/death coverage; (4) Savings & Investment products including Branch 21 savings insurance (DVV Spaarverzekering and Spaarverzekering+ with guaranteed interest), pension savings, investment funds (12 Branch 23 funds), and funeral insurance; and (5) Business insurance for self-employed and SMEs covering company vehicles, property, work accidents, and group insurance (Employees Pension & Care). The company also provides mortgage credit and credit life (schuldsaldoverzekering) products. Distribution is entirely through independent DVV agents with personalized advisory services.

Differentiator

Problem solved

Functional benefit

Products and services

• DVV Auto Verzekering Vehicle insurance covering car owners against liability, damage, theft, and assistance needs for individual drivers in Belgium.
• DVV Moto & Scooter Verzekering Motorcycle and scooter insurance providing mandatory liability coverage for two-wheeled vehicles.
• DVV Fietsverzekering Bicycle insurance covering theft and damage for cyclists.
• DVV Camper Verzekering Comprehensive insurance for camper vehicles covering liability and damage.
• DVV Reizen / Reisbijstand Travel insurance and travel assistance providing coverage for medical emergencies, trip cancellations, and emergency support abroad.
• DVV Assistance Auto Roadside assistance and breakdown coverage for vehicles.
• DVV Rechtsbijstand Legal protection insurance covering disputes related to private matters and traffic incidents for individuals.
• DVV Brandverzekering Fire and home insurance covering property damage, liability, and related risks for homeowners and renters.
• DVV Huurdersverzekering Tenant insurance covering rented property against damage, liability, and personal belongings for renters in Belgium.
• DVV Woningverzekering Eigenaar Homeowner insurance covering residential property against fire, damage, and liability for property owners in Belgium.
• DVV Woonkrediet Mortgage and housing credit products for property purchase and refinancing.
• DVV Schuldsaldoverzekering Credit life insurance that pays off outstanding mortgage debt upon death of the policyholder.
• DVV Familiale Verzekering Family liability insurance covering bodily injury and property damage caused by family members or household pets.
• DVV Hospitalisatieverzekering Hospitalization insurance covering medical expenses during inpatient treatment.
• DVV Verzekering Lichamelijke Ongevallen Personal accident insurance covering injuries sustained in traffic or daily life.
• DVV Overlijdensverzekering Life insurance providing financial protection for beneficiaries upon the policyholder's death.
• DVV Pensioensparen Pension savings product offering tax-advantaged long-term savings for retirement.
• DVV Beleggen Investment products including fund-based investments (12 Branch 23 funds) and savings insurance for wealth accumulation.
• DVV Uitvaartverzekering Funeral insurance covering end-of-life expenses and funeral arrangements.
• DVV Spaarverzekering (Tak 21) Branch 21 life insurance savings product with a guaranteed interest rate of 2% and potential profit participation. Winner of the DECAVI Life Insurance Trophy 2025 in the 'Savings Formula with Guaranteed Interest Rate' category. Minimum initial deposit of 2,500 EUR, then 25 EUR/month.
• DVV Spaarverzekering+ (Tak 21) Enhanced Branch 21 savings insurance with a guaranteed interest rate of 2.80% and potential profit participation, offering higher returns than the standard Spaarverzekering.
• DVV Employees Pension & Care (Groepsverzekering) Group insurance solution for SMEs with 3-50 employees providing complementary pension, death coverage, and premium exemption during disability. Features guaranteed interest rate of 1.75% and tax advantages for employers.
• DVV Bedrijfswagenverzekering Commercial vehicle insurance for self-employed professionals and SMEs covering company cars and business vehicles.
• DVV Brandverzekering Bedrijven Business property insurance covering commercial buildings and work equipment against fire and damage for self-employed and SMEs.
• DVV Arbeidsongevallenverzekering Work accident insurance covering employees against occupational injuries and related expenses for SMEs and self-employed.

Quantifiable outcome

• 97% customer satisfaction rate based on internal surveys
• +2 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Belfius InsurancecoreOthersDVV is a commercial brand of Belins NV, which is part of the Belfius group. The Belfius group includes Belfius Bank, Belfius Insurance, and the independent DVV agent network among other entities. Data may be exchanged within the Belfius group for certain purposes such as determining insurance rates.
• United Nations Global CompactminorStrategic or Co-development PartnerBelfius Insurance, parent of DVV, signed the United Nations Global Compact in 2020 as part of its sustainability commitments, aligning with environmental, social, and governance principles.
• United Nations Principles for Responsible InsuranceminorStrategic or Co-development PartnerBelfius Insurance, parent of DVV, signed the United Nations Principles for Responsible Insurance in 2020, demonstrating commitment to responsible insurance practices.
• AnySurferminorStrategic or Co-development PartnerAnySurfer is a project of Blindenzorg Licht en Liefde vzw. DVV works with AnySurfer for training and insights on accessibility standards, helping ensure digital accessibility for people with disabilities.
• Garage Locator NetworkminorChannel Partner/ Reseller/ DistributorDVV has a network of recognized garages (DVV erkende garage) that provide repair services to DVV auto insurance customers. Customers can locate DVV-recognized garages through the website.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Fédérale Assurance: Fédérale Assurance is a Belgian cooperative insurer offering motor, home, family liability and savings products via tied agents. Its agent-led distribution and SME focus mirror DVV's go-to-market model.
• Baloise Belgium: Baloise Belgium (Bâloise Holding) is a mid-sized Belgian insurer offering motor, home, family, life and savings through agents and digital channels. Comparable in scale and product set to DVV.
• AG Insurance: AG Insurance is one of Belgium's largest multi-line insurers offering motor, home, family, health, life and savings products through a tied-agent and bank channel. It is the closest functional competitor to DVV across the same product shelf and customer segments (individuals and SMEs).
• Ethias: Ethias is a Belgian mutual insurer offering motor, home, family, health and life insurance to individuals and public-sector/SME clients. Comparable to DVV in product mix and customer segments, with a strong regional/agent distribution footprint.
• KBC Insurance: KBC Insurance is the bancassurance arm of KBC Group in Belgium, providing motor, home, life, pension and savings products distributed through KBC Bank branches. It competes head-to-head with DVV on auto/home bundling and savings products with guaranteed interest.
• NN Insurance Belgium: NN Insurance Belgium (formerly Delta Lloyd Life) provides life, pension and investment-linked products distributed through independent brokers. Overlaps with DVV's Branch 21 and Branch 23 savings and pension offering.

Broad incumbents

• Allianz Belgium: Allianz Belgium is the Belgian arm of the global Allianz Group, offering P&C, life, health and savings insurance through tied agents and brokers. It overlaps substantially with DVV's multi-line offering and SME pension group-insurance book.
• BNP Paribas Cardif (Belgium): BNP Paribas Cardif provides creditor and savings insurance products via BNP Paribas Fortis in Belgium. Comparable to DVV's schuldsaldoverzekering and bancassurance savings products distributed through a bank channel.
• AXA Belgium: AXA Belgium is the Belgian subsidiary of AXA Group, providing motor, home, health, life and savings products via agents and brokers. Its product breadth and SME focus make it a direct functional peer to DVV across most lines.

Emerging players

• Vivium: Vivium is a Belgian insurer (part of P&V Group) offering motor, home, family and SME insurance through brokers. Smaller scale than DVV but materially overlapping product and SME segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key highlights7 records

Customer concentration

• Xx.com/dvv_verzekering
• Facebookfacebook.com/profile.php

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 DVV Verzekeringen