What Deck does

Deck Verzekeringen BV is a privately-held Dutch insurance intermediary founded in 2018 by Bob Stehmann, a former FBTO and a.s.r. executive. The company operates a mobile-first platform through which Dutch consumers can purchase, manage, and claim on a broad catalog of personal lines insurance products — including home, contents, liability, car, motorcycle, scooter, bicycle, caravan, travel, legal expenses, and family accident cover — together with a bundled 'Alles in één' (All-in-One) product that stacks discounts up to 40% on top of guaranteed underinsurance coverage. Deck does not itself carry insurance risk; instead, it acts as a digital intermediary that places customer risks with established Dutch and European risk carriers — Nationale Nederlanden, a.s.r., Rhion, and Unigarant — under a volmacht (delegated underwriting authority) arrangement serviced by Voogd & Voogd, with legal-expense cover provided through DAS.

The platform is differentiated by an intentional narrow-focus proposition: customers must take a high deductible (€500, €750, or €1,000) and only insure large, unforeseeable risks, which Deck argues avoids subsidizing the 75% of claims that fall under €1,000 and the 90% of fraud that occurs in small claims. This is operationalized through annual 'Deck Check' premium reviews and quote-based pricing, supported by a WhatsApp/phone advisory layer (no bots) and a referral relationship with insurance aggregator Porterenee. Revenue is generated on a commission basis: Deck earns a percentage of net premium paid by customers, with the commission embedded in the premium price. The company maintains two Dutch offices (Baarn and Gorinchem), holds an AFM intermediary license (12045555) and Kifid registration, and operates exclusively in the Netherlands with 11–50 employees and no external funding to date.

Deck's GTM motion is direct-to-consumer supplemented by referral partnerships, with brand awareness built through earned media in De Telegraaf, FD, and Volkskrant, plus a 4.8/5 Google rating. Strategic relationships include Porterenee for inbound switching customers, De Alblasserwaardsche for out-of-scope business risk referrals, and Viisi as a financial-services buddy partner. Risk concentration is structurally low — individual retail customers and small-business car policies are widely distributed — but the company is exposed to commission-rate compression by its risk carriers and to churn risk because the annual Deck Check mechanism is explicitly designed to surface lower-priced alternatives, which limits switching-cost lock-in.

Name

Deck

Legal name

Deck Verzekeringen BV

Website

https://deck.nl

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Deck Verzekeringen is a Dutch digital insurance intermediary that bundles home, contents, liability, motor, travel, and legal cover for Dutch consumers under a voluntary high-deductible model yielding up to 40% premium savings, placing risk with NN, a.s.r., Rhion, and Unigarant via Voogd & Voogd.

Ownership category

akta.pro rank

Headquarters

HQ city

Amsterdamsche Veld I

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission (Provisie): Deck earns commission as a percentage of the net premium paid by customers. This commission is built into the premium price. The company works via volmacht (underwriting authority) with Voogd & Voogd as their service provider. Deck brings insurance policies to final risk carriers: Nationale Nederlanden, a.s.r., Rhion, and Unigarant. Revenue comes from commissions paid by these insurance partners.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Deck is an independent Dutch digital insurance platform that offers personal insurance products (home, contents, car, motorcycle, scooter, travel, liability, legal, bicycle, caravan, and family accident) to Dutch consumers. The company operates on a high-deductible model (€500–€1,000) that excludes small claims, enabling premiums up to 40% lower than traditional insurers, and combines a mobile-first self-service experience with personal advisor support via WhatsApp and phone.

Product overview

Deck is an independent digital insurance broker offering a unified platform with a bundled 'Alles in één' (All-in-One) package alongside individual insurance products. The core All-in-One product combines home, contents, liability, and travel insurance with stacking discounts up to 40%, while individual products span motor vehicle insurance (car, motorcycle, scooter), property insurance (home, contents), travel, legal expenses, bicycle, caravan, family accident, and business coverage. All policies are underwritten through partner insurers (Nationale Nederlanden, a.s.r., Rhion, Unigarant) via volmachtpartner Voogd & Voogd, with Deck acting as the customer-facing platform handling sales, policy management, claims, and annual Deck Checks.

Differentiator

Problem solved

Functional benefit

Products and services

• Alles in één verzekering (All-in-One Insurance Package) Bundled insurance package combining home, contents, liability, and travel coverage with stacking discounts up to 40% and guaranteed coverage against underinsurance; customers can add vehicles for additional savings. Designed for Dutch consumers seeking a single comprehensive policy.
• Woonhuisverzekering (Home Insurance) Home building insurance covering the physical structure against fire, theft, leaks and similar perils, sourced through partner insurers NN, a.s.r., and Rhion for Dutch homeowners.
• Inboedelverzekering (Contents Insurance) Contents insurance covering household belongings with new-value compensation for items under 5 years old, with coverage up to €100,000 (NN), unlimited under guarantee (a.s.r.), or €150,000 with 6-year new value (Rhion).
• Aansprakelijkheidsverzekering (Liability Insurance) Personal liability insurance covering accidental injury to others or damage to their property, with insured sums up to €2.5 million and options for children under 14, pet damage, and homeowner liability.
• Doorlopende Reisverzekering (Annual Travel Insurance) Year-round travel insurance covering unlimited trips with a 90-day maximum per trip, offering baggage coverage up to €4,500 per person, medical expenses, repatriation without deductible, and optional winter sports coverage.
• Autoverzekering (Car Insurance) Car insurance with WA (liability), limited casco, and all-risk coverage options from NN, a.s.r., and Rhion, featuring up to 80% no-claim discounts, 2–3 year new-value coverage, and optional roadside assistance.
• Brommerverzekering (Scooter Insurance) Scooter and moped insurance from Unigarant and a.s.r. with up to 75% no-claim discount, full purchase value reimbursement for theft in the first year, and deductible options from €125 to €350.
• Motorverzekering (Motorcycle Insurance) Motorcycle insurance from NN and a.s.r. with WA (mandatory), limited casco, and all-risk options, including helmet and clothing coverage (€500), one-year new-value guarantee, and no-fault no-claim retention.
• Rechtsbijstandverzekering (Legal Expenses Insurance) Legal expenses insurance provided through DAS, NN, a.s.r., and ARAG, covering consumer, traffic, residence, and work/income disputes with DAS's 'Best Voorwaarden' Moneyview award and no waiting period.
• Fietsverzekering (Bicycle Insurance) Bicycle insurance covering theft, damage, roadside assistance, and accidents with Unigarant (5% deductible for theft) and Allianz, requiring ART-approved locks for coverage eligibility.
• Caravanverzekering (Caravan Insurance) Caravan insurance with limited casco (theft, fire, natural damage) or full casco (including collision) options from Unigarant and NN, with optional hail damage and additional coverage for awnings and movers.
• Gezinsongevallen (Family Accident Insurance) Family accident insurance from Unigarant providing up to €75,000 for permanent disability and €25,000 for death, based on validated disability percentage.

Quantifiable outcome

• Premium savings up to 40% compared to traditional insurers covering small claims
• +3 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• Voogd & VoogdcoreChannel Partner/ Reseller/ Distributor · 1 January 2018Voogd & Voogd is Deck's volmacht (underwriting authority) partner. They handle premium collection and policy administration on behalf of the risk carriers. Voogd & Voogd is one of the 'buddies' of Deck mentioned on the website.
• Nationale NederlandencoreStrategic or Co-development PartnerPrimary risk carrier for many Deck insurance products. Offers home, contents, car, travel, and liability insurance under the Deck platform. One of the 'buddies' or partners that handles the actual risk.
• a.s.r.coreStrategic or Co-development PartnerRisk carrier offering motor, home, and liability insurance through Deck. Known for their 'no blame, no claim' approach where customers don't lose no-claim discount for non-fault accidents.
• RhioncoreStrategic or Co-development PartnerRisk carrier for auto, home, and liability insurance. Provides insurance products under the Deck platform.
• UnigarantcoreStrategic or Co-development PartnerRisk carrier offering travel, bicycle, caravan, family accident, and scooter/moped insurance through Deck.
• DAS (DAS Nederlandse Rechtsbijstand Verzekeringmaatschappij)coreTechnology or IntegrationProvides legal assistance insurance for Deck customers. DAS jurists handle legal matters including consumer disputes, traffic incidents, and housing conflicts. Available under labels NN, a.s.r., and DAS itself. Winner of 'Beste Voorwaarden' (Best Terms) by Moneyview.
• De AlblasserwaardscheminorChannel Partner/ Reseller/ DistributorFor business insurance risks that Deck cannot handle, customers are referred to De Alblasserwaardsche. They specialize in commercial risks including professional liability, business premises, and cyber risks.
• PortereneeminorGTM or Marketing PartnerInsurance comparison and switching service that refers customers to Deck. Customers can purchase and switch insurance policies through Porterenee, with Deck handling cancellation of old policies.
• ViisiminorOthersFinancial advisor partner, one of the 'buddies' of Deck ecosystem.

Scale indicators5 records

Recent moves6 records

Expansion highlights3 records

Direct peers

• Besured: Besured is a Dutch digital insurance brand offering direct-to-consumer policies at competitive prices. Operates in the same price-conscious Dutch consumer segment as Deck with a comparable digital-first proposition.
• Dazure: Dazure (formerly known as InShared) is a Dutch online insurance brand known for its claims-profit-sharing model. Competes with Deck for digital-native Dutch insurance customers with a similarly differentiated consumer proposition.
• Overstappen.nl: Overstappen.nl is a Dutch insurance switching service that helps consumers migrate policies — directly comparable to Deck's Porterenee partnership and overstap service. Targets the same Dutch consumer switching moment with similar digital UX.
• Verzekeruzelf.nl: Verzekeruzelf.nl is an online Dutch insurance brand focused on direct digital distribution of personal insurance. Targets a similar price-sensitive Dutch consumer segment as Deck and competes in comparable personal lines products.
• FBTO: FBTO is a Dutch digital-first insurance brand (part of Achmea) that pioneered online insurance distribution in the Netherlands. Directly comparable to Deck's mobile-first, digitally-distributed model and is the founder's previous employer, making it a particularly relevant benchmark.
• Independer: Independer is a leading Dutch insurance comparison and switching platform offering consumers multi-carrier quotes. Like Deck, it operates as an intermediary distributing insurance products from established Dutch carriers, but with a comparison-first rather than curated-bundle approach.
• Pricewise: Pricewise is a Dutch comparison platform for insurance, energy, and financial products. It competes with Deck for online insurance shoppers, particularly in personal lines, but generates revenue primarily through lead generation rather than commission on placed policies.

Broad incumbents

• a.s.r. a.s.r. is a major Dutch insurance carrier and another key risk-carrier partner for Deck. As a broad incumbent, it competes directly with Deck in the Dutch P&C market while also supplying Deck with home, motor, and liability products.
• Nationale Nederlanden: Nationale Nederlanden is one of the largest Dutch insurance carriers and a primary risk-carrier partner for Deck. Represents a major incumbent competitor in the Dutch P&C market while simultaneously being a partner in Deck's distribution model.

Emerging players

• Justitia: Justitia is a smaller Dutch digital insurance intermediary. Comparable to Deck as a niche challenger but with a more limited product set and smaller scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/deckverzekeringen

Compliance3 records

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 Deck