TVM Belgium

What TVM Belgium does

TVM Belgium is the Belgian branch (BCE 0841.164.105) of TVM verzekeringen N.V., the operating insurer of the Dutch transport-insurance cooperative Coöperatie TVM U.A. The branch is headquartered in Berchem (Antwerp) and serves transport and logistics companies across Belgium, with cross-border reach into the Netherlands and Luxembourg via a dedicated International Desk. The company specializes exclusively in insurance products for the commercial vehicle and logistics sector, offering a modular portfolio that combines vehicle coverage (trucks, light trucks, zero-emission vehicles, company vehicles), transport-specific liability (CMR, goods in transit, container/trailer, depot operator), and general business coverages (corporate liability, workers' compensation, employer insurance).

The business is built on three integrated pillars: insurance underwriting, prevention services, and professional training. Underwriting is supported by the TVM Drive customer platform for self-service policy management and damage reporting, plus an internal AI-assisted claims and fraud-detection capability. Prevention services include advisory, risk management consulting, and safety initiatives such as the annual 'Ridders van de Weg' (Knights of the Road) recognition program. Training services are delivered through the wholly-owned subsidiary TVM solutions (KBO 0472.210.351), providing Code 95 mandatory driver training, ADR hazardous goods certification, prevention workshops, and train-the-trainer programs qualifying for KMO portfolio subsidies in Belgium.

TVM Belgium generates revenue primarily through recurring insurance premiums across its modular product set, supplemented by professional services fees from training and prevention advisory work. Distribution is dominated by independent insurance brokers and intermediaries, complemented by direct digital access via TVM Drive and direct enterprise engagement through the International Desk. Founded in 1991, the company operates with 51-100 employees and maintains member-owned cooperative governance with no external equity investors or public listing.

Name

TVM Belgium

Legal name

Coöperatie TVM U.A.

Website

https://tvm.be

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

51–100 employees

Short description

TVM Belgium is the Belgian branch of Dutch insurer Coöperatie TVM U.A., specializing exclusively in insurance, prevention, and professional training for the Benelux transport and logistics sector.

Ownership category

akta.pro rank

Product category

Transport Insurance

NAICS

Support Activities for Transportation (488)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

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

akta.pro secondary industries

Commercial Auto & Fleet Insurance (FSAJAMAB), Loss Control & Safety Engineering (Driver Training, Policy/Program Design, Audits) (TLABANAJ), Fleet Safety Management (Policies, Monitoring, Incident Prevention) (TLABAIAC), Motor Truck Cargo (FSAJABAC)

Keywords

• Transport insurance
• Logistics insurance
• Commercial vehicle insurance
• Transport liability CMR
• Driver training services

Headquarters

HQ city

Berchem

HQ country

Belgium

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Transport Insurance Premiums: TVM Belgium generates revenue through various insurance products including truck insurance, light truck insurance, transport liability (CMR), transported goods insurance, container/trailer insurance, and business liability insurance. Premiums are collected on subscription/recurring basis.
2. Training Services (Code 95): TVM Solutions provides professional training programs for truck drivers including Code 95 mandatory training, ADR hazardous goods transport certification, workshops, and train-the-trainer programs. These generate revenue as professional services.
3. Prevention Services: Prevention advisory services, risk management consulting, and prevention workshops for transport companies to help reduce damages and claims.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels9 records

Core offering

TVM Belgium is a specialist insurer for the transport and logistics sector, providing commercial vehicle insurance (trucks, light trucks, company vehicles), transport liability (CMR) and goods-in-transit coverage, alongside prevention advisory services, 24/7 roadside assistance, and professional driver training (Code 95, ADR).

Product overview

TVM Belgium operates as a specialized transport and logistics insurance provider offering a comprehensive portfolio of insurance products alongside digital platforms and training services. The core offering centers on commercial vehicle insurance (trucks, light trucks, company vehicles) combined with specialized liability coverage for transport operations under CMR conventions. Supporting the insurance products are digital self-service platforms (TVM Drive), 24/7 assistance services, and professional training programs (Code 95 driver training, prevention workshops, train-the-trainer programs). The product architecture follows a modular approach where base vehicle insurance can be combined with liability, goods-in-transit, and auxiliary coverages, with training services serving as both a standalone revenue stream and risk prevention tool to reduce claims. The company also offers sustainability-focused products like zero-emission vehicle insurance for electric trucks.

Differentiator

Problem solved

Functional benefit

Brands

• TVM Drive: Customer platform for TVM clients to manage their insurance and prevention services.
• Ridders van de Weg ( Chevaliers de la Route)
• TVM solutions
• TVM truck en car assistance

Products and services

• Truck Insurance (Vrachtwagenverzekering) Core insurance coverage for trucks used by transport companies, covering damage, liability, and related risks for commercial freight vehicles.
• Light Truck Insurance (Verzekering lichte vrachtwagen) Insurance coverage for light commercial vehicles and vans used in transport operations.
• Zero Emission Insurance (Zero-emissieverzekering) Specialized insurance product for zero-emission commercial vehicles, covering electric trucks and other sustainable transport solutions.
• Transport Liability Insurance / CMR (Transportaansprakelijkheidsverzekering) Liability insurance covering transport operators for damage to goods during transit under CMR conventions, including freight forwarding and logistics services.
• Goods in Transit Insurance (Verzekering eigen vervoerde goederen) Insurance coverage for goods transported on own account, protecting against loss or damage to cargo during transport.
• Container / Trailer Insurance Insurance coverage for containers and semi-trailers used in freight transport operations.
• Working Equipment Insurance (Werkmaterieel verzekering) Insurance coverage for handling equipment and machinery used in logistics and transport operations.
• Depot Operator Insurance (Uitbater depot verzekering) Insurance coverage for depot operators and storage facility operators in the logistics sector.
• Corporate Liability Insurance (BA onderneming) General business liability insurance for transport and logistics companies.
• Work Accident Insurance (Arbeidsongevallenverzekering) Workers' compensation and accident insurance coverage for employees in the transport sector.
• Employer Insurance (Patroonsverzekering) Insurance coverage for employers and business owners in the transport industry.
• Company Vehicle Insurance (Bedrijfswagenverzekering) Insurance coverage for company cars and business vehicles.
• TVM Drive Customer Platform (TVM Drive Klantenplatform) Customer-facing digital platform providing access to policy management, documents, damage reporting, and self-service insurance features.
• Code 95 Training (Code 95-opleidingen) Mandatory professional driver training programs for truck drivers including legislation updates, Belgian road code, eco-driving, first aid, cargo securing, and ADR hazardous goods transport.
• Prevention Workshops (Preventieworkshops) Safety and prevention training workshops covering mirror adjustment, accident reports, CMR documentation, safe driving, and cargo securing.
• Train the Trainer Instructor certification and pedagogical training programs for internal trainer development in transport safety.
• TVM Truck en Car Assistance 24/7 roadside assistance and emergency support services for trucks and cars, including recovery, repatriation, and assistance during illness or accidents abroad.
• TVM Damage Service (TVM Schadeservice) Vehicle repair coordination and damage management services for insured vehicles.
• TVM International Desk Specialized support service for international transport operations and cross-border insurance needs across Belgium, Netherlands, and Luxembourg.
• TVM Brokerage Broker services for intermediary distribution of insurance products.

Quantifiable outcome

• Over 250 confiscations achieved through the Dutch TFOC program via public-private intelligence sharing against organized freight crime
• +1 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

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• TT ClubcoreStrategic or Co-development Partner · 31 March 2026TT Club, BSI Consulting, and TVM jointly published the Freight Crime Report 2026 warning that advanced criminal networks are targeting the Benelux as a strategic logistics hub. The partnership focuses on exposing fake carrier fraud, deepfakes, and AI-generated identities exploited by criminals to infiltrate supply chains. The report identifies hotspots and demonstrates effective sector-police cooperation through the Dutch TFOC program.
• BSI ConsultingcoreStrategic or Co-development PartnerCo-author of the Freight Crime Report 2026 with TT Club and TVM, providing expertise on supply chain security and freight crime intelligence.
• Wim Dekeyser Research BureaucoreStrategic or Co-development PartnerFrederik Dekeyser from the research bureau provides expert insights on fake carrier fraud and transport crime trends. Working on Carrier Check online tool to help planners screen carriers by company name, VAT number, and email address to detect fraud indicators.
• Vlaamse Stichting Verkeerskunde (VSV)minorGTM or Marketing PartnerVSV is a partner in the annual Truckersquiz initiative, an online quiz for truck drivers about Belgian traffic regulations. TVM Belgium supports this road safety initiative.
• Waalse Agentschap voor Verkeersveiligheid (AWSR)minorGTM or Marketing PartnerAWSR is a co-partner with VSV in the Truckersquiz initiative for Belgian truck drivers. TVM Belgium supports this cross-regional road safety initiative.
• JINC BelgiëminorGTM or Marketing PartnerTVM Belgium participates in Baas van Morgen (Boss of Tomorrow), a JINC Belgium initiative that introduces youth from challenging socioeconomic backgrounds to the business world, giving them workplace experience and career inspiration.
• TVM SolutionscoreOthersTVM Solutions (KBO 0472.210.351, RPR Antwerpen) is a subsidiary of TVM Diensten Holding, providing training services including Code 95 professional driver training, workshops, and train-the-trainer programs. Registered as KMO portfolio provider (DV.O237803) and recognized for VOV.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• TT Club: TT Club is a mutual insurer specialising in the transport and logistics industry worldwide, providing liability and cargo cover to operators, ports, and forwarders. TVM Belgium co-authored the Freight Crime Report 2026 with TT Club, underscoring their closely aligned niche focus on transport-only insurance and shared customer base.

Broad incumbents

• Allianz: Allianz is a global insurer with a substantial commercial motor/fleet and cargo insurance practice serving corporate and SME transport customers. While broader than TVM's transport-only focus, Allianz competes for the same Benelux fleet customers via its commercial lines offerings.
• Zurich Insurance: Zurich is a major global commercial insurer with established commercial auto, fleet, and cargo capabilities across Europe. It competes with TVM for mid-market and large fleet accounts in Belgium and the wider Benelux.
• AXA: AXA is a leading European insurer offering commercial motor, fleet, and transport liability products through AXA Belgium and Benelux entities. Its scale and product breadth compete directly with TVM's specialist positioning.
• AIG: AIG provides commercial transport, cargo, and liability insurance globally through its general insurance division. Its European commercial lines overlap with TVM Belgium's product set for larger transport operators.
• Liberty Mutual Insurance: Liberty Mutual is a major US-headquartered commercial insurer with significant European commercial auto and fleet operations, including specialty lines targeting transport and logistics customers. Its Europe business competes with TVM for fleet accounts.
• Chubb: Chubb is a global specialty P&C insurer with strong commercial auto and transportation practice serving mid-to-large fleets. Its Belgian presence overlaps with TVM's customer base.
• HDI Global: HDI is part of the Talanx Group and a major German commercial insurer with strong transport, cargo, and commercial auto capabilities. Its cross-border expertise and European reach make it a comparable broad-line competitor for Benelux transport operators.

Regional players

• AG Insurance: AG Insurance is one of Belgium's largest insurers, offering commercial motor, fleet, and business liability cover to Belgian SMEs. As a domestic incumbent, AG Insurance competes with TVM for the same Belgian transport and logistics accounts.
• Baloise Group: Baloise is a Switzerland-headquartered European insurer with commercial motor, fleet, and transport liability products across Belgium, Germany, and Switzerland. It targets similar SME-fleet segments to TVM in the Benelux and DACH corridor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/tvmbelgium
• Facebookfacebook.com/TVMBelgium
• LinkedInlinkedin.com/company/tvm-belgium

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 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 Belgium