What Besured does

Besured is a Dutch direct-to-consumer insurance intermediary (intermediair/mediator) headquartered in Dordrecht, Netherlands, distributing nine core personal insurance product categories — auto, liability, annual cancellation, annual travel, home contents, buildings, roadside assistance, legal expenses, and dental accident — to Dutch individuals and families. The company operates an asset-light model in which it handles distribution, customer service, and claims intake, while underwriting risk is carried by partner carriers such as DAS Nederlandse Rechtsbijstand Verzekeringmaatschappij for legal expenses coverage. Customers can calculate premiums online (auto quotes via license plate in approximately one minute), apply, manage policies, and submit claims through the proprietary 'Mijn Besured' self-service portal at mijn.besured.nl, supported by phone-based service Monday–Friday 8:30–20:30 and 24/7 emergency claims support.

The technology stack is built around a digital insurance platform with automated application processing, online policy administration, and claims intake. Operational integrations include Google Analytics, Google Ads, Google Campaign Manager 360, Google Recaptcha, YouTube, Microsoft Advertising, and Mitel Chat, with cookie-consent management for GDPR/AVG compliance. Legal expenses insurance is offered in three tiers (Ideaal/Excellent/Superieur) and add-on modules exist for auto insurance (Traffic Legal Aid with up to €25,000 lawyer coverage, Passenger Accident, Passenger Damage). The company participates in Stichting CIS, the Dutch financial industry fraud-prevention data consortium.

Revenue is generated primarily through recurring insurance premiums paid by customers across the product portfolio, with a service-fee component layered on top of policy cost. GTM is direct-to-consumer via the Besured website, the Mijn Besured portal, and phone sales, augmented by paid search (Google and Microsoft), affiliate publisher networks, content marketing through an inspirational blog, email newsletters, and organic social (Instagram, Facebook, X). The company discloses no revenue, headcount, funding rounds, or ownership structure, and operates as a privately-held Dutch financial services provider under its own brand.

Name

Besured

Legal name

Besured

Website

https://besured.nl

Company type

Private

Operating status

Operating

Headcount range

101–250 employees

Short description

Besured is a Dutch direct-to-consumer insurance intermediary that distributes nine categories of personal insurance — auto, travel, home contents, buildings, liability, legal expenses, roadside assistance, cancellation, and dental accident — to Dutch individuals and families via a digital self-service platform and phone support.

Ownership category

akta.pro rank

Product category

Consumer Insurance

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

Keywords

• Consumer insurance
• Auto insurance
• Home contents insurance
• Travel insurance
• Legal expenses insurance

Headquarters

HQ city

Dordrecht

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Besured generates revenue through insurance premiums paid by customers for various insurance products including auto, travel, home contents, buildings, liability, legal expenses, breakdown assistance, and cancellation insurance. The company acts as an intermediary/mediator in insurance products and services.
2. Service Fees: Customers pay service fees as part of their premium calculations. The pricing includes a component for Besured's service provision (dividing total monthly amount into policy cost and service fee).

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Besured is a Dutch insurance intermediary that mediates between individual consumers and underwriters, offering affordable consumer insurance products including auto, liability, annual travel, annual cancellation, home contents, buildings, roadside assistance, legal expenses, and dental accident insurance. Customers calculate premiums online in approximately one minute and manage policies through the digital Mijn Besured portal; insurance risk is borne by partner carriers while Besured handles distribution, customer service, and claims handling.

Product overview

Besured is a Dutch insurance aggregator/broker offering a portfolio of consumer insurance products through a direct digital sales model. The core offering consists of nine main insurance categories: auto, liability, cancellation, travel, contents, buildings, roadside assistance, legal expenses, and dental accident insurance. Several products offer modular add-ons (e.g., passenger accident/damage coverage, traffic legal aid for auto insurance) and multiple coverage tiers (e.g., Legal Expenses with Ideaal/Excellent/Superieur tiers; Buildings and Contents with Allrisk and Extra Uitgebreid options). The company emphasizes low premiums, digital self-service through 'Mijn Besured' customer portal, and a philosophy of incremental improvement ('een b'tje beter'). Insurance policies are underwritten by partner insurers while Besured handles distribution, customer service, and claims processing.

Differentiator

Problem solved

Functional benefit

Products and services

• Autoverzekering (Auto Insurance) Vehicle insurance for Dutch consumers offering WA (third-party liability), Beperkt Casco (limited partial cover) and Allrisk (comprehensive) coverage tiers, eligible for a 10% discount and including replacement vehicle coverage.
• Aansprakelijkheidsverzekering (Personal Liability Insurance) Personal liability insurance covering bodily injury or property damage that the policyholder causes to third parties in private-life situations.
• Doorlopende Annuleringsverzekering (Annual Cancellation Insurance) Annual travel cancellation insurance for Dutch consumers covering trip cancellation or interruption due to illness, accident, death of family members, unemployment, or home purchase, with up to €1,500 per trip and €6,000 per policy per year.
• Doorlopende Reisverzekering (Annual Travel Insurance) Continuous (annual) travel insurance for Dutch consumers covering luggage, medical costs, and optional modules such as winter sports and breakdown assistance, with European or worldwide coverage and trips up to 180 days, including up to €3,000 baggage coverage per person per trip.
• Inboedelverzekering (Home Contents Insurance) Home contents insurance for Dutch households protecting personal belongings against damage, theft, and other covered risks, with Allrisk and Extra Uitgebreid (extra comprehensive) coverage options.
• Opstalverzekering (Buildings Insurance) Buildings insurance for Dutch homeowners covering structural damage to the property itself, available with Allrisk and Extra Uitgebreid (extra comprehensive) coverage options.
• Pechhulp (Roadside Assistance) Vehicle breakdown assistance for Dutch consumers covering roadside repairs, replacement vehicle, and repatriation of the vehicle to the Netherlands, with Netherlands and Europe coverage options.
• Rechtsbijstandverzekering (Legal Expenses Insurance) Legal expenses insurance for Dutch consumers covering legal disputes in areas including employment, consumer, property, vacation, vehicle purchase/maintenance, and traffic accidents, available in Ideaal, Excellent, and Superieur coverage tiers and underwritten by DAS.
• Tandongevallenverzekering (Dental Accident Insurance) Insurance covering dental treatment costs resulting from accidents, for Dutch consumers seeking protection against dental injury costs.

Quantifiable outcome

• Average customer rating of 9.0 out of 10 based on recent reviews

Named customers3 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• DAS Nederlandse Rechtsbijstand Verzekeringmaatschappij N.V.coreTechnology or IntegrationDAS provides legal expense insurance services for Besured's Rechtsbijstand (legal expenses) insurance products. DAS's juridische specialisten (legal specialists) and lawyers handle legal cases and claims for covered disputes. Besured's legal expenses insurance has three coverage tiers: Ideaal, Excellent, and Superieur.
• Stichting CIS (Centraal Informatie Systeem)coreOthersStichting CIS is a Dutch financial industry consortium for sharing fraud-related information. Besured participates to prevent and combat insurance fraud. Information is shared under strict PIFI (Protocol Incidentenwaarschingssysteem Financiële Instellingen) conditions.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Independer: Independer is the largest Dutch insurance comparison platform, letting consumers compare and apply for personal insurance products online. Highly comparable digital intermediary model targeting the same Dutch consumer market with multi-product comparison.
• Verzekeringssite.nl: Verzekeringssite.nl is a Dutch insurance comparison site that aggregates quotes from multiple insurers. Operates in the same niche as Besured — a digital, consumer-facing insurance intermediary for the Dutch mass market.
• Pricewise: Pricewise is a leading Dutch price comparison site for insurance, energy, and financial products. Directly comparable as a Dutch digital insurance aggregator targeting individual consumers with multi-carrier quotes.
• AllSecur: AllSecur is the direct-to-consumer insurance brand of Allianz in the Netherlands, focusing on auto and home insurance sold online. Comparable digital-first, single-product-led Dutch consumer insurance offering.
• Poliswijzer: Poliswijzer is a Dutch insurance aggregator comparing policies across providers. Same core business model — multi-carrier insurance distribution targeting Dutch consumers online.
• HEMA Verzekeringen: HEMA Verzekeringen is the insurance arm of Dutch retail brand HEMA, offering simple consumer insurance products through a digital sales channel. Comparable Dutch digital-first consumer insurance brand targeting affordability and simplicity.

Broad incumbents

• Centraal Beheer: Centraal Beheer (Achmea) is a major Dutch insurance provider offering the full personal lines book — auto, home, travel, legal. A large incumbent that overlaps with Besured's product set but operates as a broad-spectrum carrier, not an aggregator.
• Univé: Univé is a Dutch insurance cooperative offering personal lines including auto, home, and travel. Comparable product coverage for Dutch consumers, but operates as an established carrier rather than a digital-only intermediary.
• Nationale-Nederlanden: Nationale-Nederlanden is one of the largest Dutch insurance carriers, offering personal lines (auto, home, travel, liability) directly and through intermediaries. Comparable product portfolio but a much larger established carrier with broader distribution.

Emerging players

• Justitia: Justitia is a Dutch specialist legal-expenses insurance provider. Comparable as a focused legal insurance competitor inside Besured's broader portfolio, particularly relevant given Besured's reliance on DAS for its legal expenses product.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/besured
• Facebookfacebook.com/Besured
• Instagraminstagram.com/besured
• LinkedInlinkedin.com/company/besured

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 Besured