Neerlandse

What Neerlandse does

Neerlandse is a Dutch insurance provider offering private car insurance (Particuliere Autoverzekering) to Dutch consumers (particulieren). The product is structured as three coverage tiers — WA-dekking (third-party liability), WA-beperkt casco (limited comprehensive), and WA-volledig casco (full comprehensive) — packaged as a single unified offering rather than a modular platform. Neerlandse is registered with the Dutch Chamber of Commerce (KvK-nummer 30177302) and authorized by the Authority for the Financial Markets (AFM-nummer 12012535); the firm has 11-50 employees and is headquartered in the Netherlands, with neerlandse.nl as its primary online presence.

The company's underwriting capacity is accessed via a Lloyd's Coverholder relationship, and the autoverzekering was co-developed and launched on 15 May 2023 in collaboration with RISK Verzekeringen and Rhion. The technical footprint is modest: a direct-to-consumer website with downloadable general and product conditions (N-PAV-2023.01, N-PAV-2024.01, N-PAV-2024.02) and links to external verzekeringskaarten. No proprietary technology stack, no public API, no mobile app, and no disclosed data or AI assets are described; pricing is quote-based rather than list-priced, with a stated emphasis on a "scherpe prijs" (sharp/competitive price). Trust signals (Lloyd's Coverholder badge, KvK and AFM numbers) are displayed in the site footer.

Neerlandse generates revenue through recurring annual insurance premiums on in-force private car policies, operating on a direct-to-consumer model with no intermediaries or third-party resellers referenced. The Privacy Statement is hosted on risk.nl, indicating an operational and likely ownership link to RISK Verzekeringen, although no parent-subsidiary structure is explicitly confirmed. Distribution is single-channel (the company's own website) and single-geography (Netherlands only), targeting a horizontal Dutch retail segment. A separate flood insurance (overstromingsverzekering) capability is signposted in the firmographic description and product imagery but is not visibly offered on the live site, indicating a potential adjacent product line.

Name

Neerlandse

Legal name

Neerlandse

Website

https://neerlandse.nl

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

Neerlandse is a Dutch insurance provider offering private car insurance to Dutch consumers via three coverage tiers. It operates as a Lloyd's Coverholder, distributes directly online, and is operationally linked to RISK Verzekeringen.

Ownership category

akta.pro rank

Product category

Auto Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Personal Auto Insurance (FSAJAMAA)

akta.pro secondary industry

Non-Owned Auto Liability (Employee/Contractor Use) (TLABANAC)

Keywords

• Auto insurance
• Car insurance
• Personal lines insurance
• Non-life insurance
• Third-party liability coverage

Headquarters

HQ city

Eindhoven

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Car insurance premiums (Particuliere Autoverzekering): Revenue is generated by issuing private car insurance policies to Dutch consumers, with three cover tiers: WA (third-party only), WA-beperkt casco (limited casco), and WA-volledig casco (comprehensive). Underwriting is provided via Lloyd's Coverholder status and a co-developed product with Rhion; the company emphasizes a "sharp price" (scherpe prijs), implying a recurring premium revenue model on in-force policies.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Neerlandse sells private car insurance (Autoverzekering) to Dutch consumers, offering three coverage tiers: third-party liability (WA), limited comprehensive (WA-beperkt casco), and full comprehensive (WA-volledig casco). The company operates as a Lloyd's Coverholder, underwriting business on behalf of Lloyd's of London, and also participates in non-life portfolio underwriting including flood insurance. Customers can request quotes, compare coverage levels, and purchase policies directly through the company website.

Product overview

Neerlandse offers a single unified insurance product — the Neerlandse Autoverzekering (car insurance) — structured as a tiered coverage offering rather than a platform-plus-modules architecture. The product is sold under three coverage tiers: WA-dekking (basic third-party liability), WA-beperkt casco (limited comprehensive), and WA-volledig casco (full comprehensive), each backed by product condition sets (e.g., N-PAV-2023.01, N-PAV-2024.01, N-PAV-2024.02) and accompanied by external insurance information cards. Neerlandse operates as a Lloyd's Coverholder and launched the product on 15 May 2023 in collaboration with Rhion via RISK Verzekeringen.

Differentiator

Problem solved

Functional benefit

Products and services

• Neerlandse Autoverzekering (Car Insurance) A private car insurance policy for individual Dutch motorists, offering three coverage levels: third-party liability (WA) as the legal minimum; limited comprehensive (WA-beperkt casco) which adds storm, hail, fire, theft, glass damage, and animal collision coverage; and full comprehensive (WA-volledig casco) which also covers at-fault collision damage.
• Overstromingsverzekering (Flood Insurance) Flood insurance product mentioned within Neerlandse's non-life insurance portfolio, aimed at Dutch consumers exposed to flood risk.

Quantifiable outcome

• Three published product condition versions (N-PAV-2023.01, N-PAV-2024.01, N-PAV-2024.02) and three public verzekeringskaarten (WA, beperkt casco, volledig casco), indicating an active, updated product range

Segments1 record

Ideal customer profiles1 record

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered flagship and core.

• RISK VerzekeringenflagshipStrategic or Co-development Partner · 15 May 2023On 15 May 2023, RISK Verzekeringen, in collaboration with Rhion, launched a new and distinctive car insurance ("autoverzekering") that is offered through Neerlandse. RISK Verzekeringen is also linked from the site footer's Privacy Statement, indicating an operational/strategic relationship on the auto insurance product.
• RhionflagshipStrategic or Co-development Partner · 15 May 2023On 15 May 2023, RISK Verzekeringen and Rhion jointly launched a new and distinctive car insurance distributed through Neerlandse, indicating Rhion's involvement as a co-development/underwriting partner for the product.
• Lloyd'scoreOEM/ Whitelabel/ Licensing PartnerNeerlandse operates as a Lloyd's Coverholder, as evidenced by the Lloyd's coverholder badge shown in the website footer and the alt-text on product imagery ("Neerlandse Lloyds Lloyd's Coverholder"). This Coverholder status gives Neerlandse access to Lloyd's underwriting capacity for its insurance products.

Scale indicators3 records

Recent moves4 records

Expansion highlights2 records

Direct peers

• InShared: Dutch D2C insurance brand known for low-premium positioning and online claims. Closely comparable to Neerlandse on sharp-price, online-only GTM and Dutch private auto as a core product.
• Univé: Dutch cooperative insurer selling personal lines including auto, with a strong regional and direct presence. Comparable Dutch consumer focus and non-life product mix.
• FBTO: Achmea's D2C Dutch insurance brand that lets customers assemble coverage modules online, including auto. Comparable in product configurability and online-first positioning to Neerlandse's tiered autoverzekering.
• Ditzo: Online-first Dutch insurance brand (part of ASR) emphasising simple products and clear pricing. Highly comparable D2C positioning, Dutch personal auto offering, and price-led value proposition.
• Centraal Beheer: Direct-to-consumer Dutch non-life insurer (part of Achmea) selling personal lines including auto directly online. Closely comparable to Neerlandse in D2C distribution model, Dutch consumer focus, and tiered coverage structure.

Emerging players

• Lemonade: Digital-first, mobile-led insurance carrier using behavioural branding and a tech-forward claims experience. Comparable as a D2C, technology-led insurance challenger; differs in geography and primary lines (renters/home rather than auto).

Broad incumbents

• ASR Nederland: One of the largest Dutch insurance carriers, with a significant personal lines auto portfolio. Comparable in product line (Dutch private auto) and AFM-regulated carrier status, but vastly larger and more diversified.
• Nationale-Nederlanden: Major Dutch life and non-life insurer offering auto, home, and liability cover to Dutch consumers. Comparable product overlap in personal auto, with much stronger brand and capital base.
• Allianz Direct: European digital insurance brand of Allianz active in the Dutch market, selling auto and other personal lines online. Comparable in DTC channel and personal auto focus, with much larger group backing.
• ANWB Verzekeringen: Established Dutch consumer insurance provider tied to the ANWB mobility brand, with a strong auto insurance franchise. Comparable target customer (Dutch private motorists) and product mix, but with significantly larger scale and brand recognition.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance1 record

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 Neerlandse