What AnsvarIdea does

AnsvarIdéa is a Dutch personal lines insurance company operating under the legal entity Ansvar Verzekeringsmaatschappij NV and headquartered in Amsterdam. Founded in 1967 and structured as a mutual insurer (wederkerige verzekeraar) within the Turien group, the company targets Dutch consumers (particulieren) with a comprehensive portfolio spanning home, contents, auto (including electric and classic vehicles), recreational vehicles (caravan, camper, boat), personal travel, personal liability, legal aid, valuables, golf, sports and hobby equipment, and cyber coverage. The full product set is sold exclusively through a nationwide network of independent insurance advisors (assurantieadviseurs) rather than through direct-to-consumer channels.

The product architecture rests on three layers: a modular Ansvar pakketverzekering (package insurance) that allows customers to combine policies for discounts scaling to 15% on six-plus modules; a sustainable 'Bewust' (Conscious) sub-brand spanning home, contents, auto, recreation, camper, holiday home, golf and hobby products with sustainability-tied benefits (solar panel coverage, sustainable repair compensation, biodiversity contributions); and embedded specialist modules such as Cyber Compact / Cyber Compleet and rechtsbijstand legal aid. Claims and service execution rely on a third-party ecosystem: Sedgwick handles cyber claims, Anker Rechtshulp delivers legal aid, and Omnia, Re-Camp and Glasgarant provide caravan, folding-camper and windshield repair services that reduce policyholder deductibles to €0 when used. The technology stack is described as a standard insurance operations platform with no disclosed proprietary technology, APIs or developer-facing systems.

Revenue is generated through recurring insurance premiums with prices varying by product, coverage level and risk profile (for example, cyber insurance at €8.06/month single or €10.32/month family, mobile-electronics insurance at €75/year, and bundle discounts up to 15% on the package insurance). Customers are sourced and serviced entirely through the independent advisor channel, with the company website acting as an information and advisor-finder surface rather than a transactional channel. End customers are Dutch households and individuals with no disclosed segmentation beyond the consumer (particulier) persona and an explicit sustainability/value-aligned preference.

Name

AnsvarIdea

Legal name

Ansvar Verzekeringsmaatschappij NV

Website

https://www.ansvar-idea.nl/

Company type

Private

Founded year

1950

Operating status

Operating

Headcount range

11–50 employees

Short description

AnsvarIdéa is a Dutch mutual personal-lines insurer offering home, auto, cyber, recreation, travel and liability coverage to Dutch consumers exclusively through a nationwide network of independent insurance advisors, with a sustainability-focused Bewust sub-brand and modular bundling.

Ownership category

akta.pro rank

Product category

Personal Insurance

NAICS

Insurance Carriers (5241)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Personal Auto Insurance (FSAJAMAA)

akta.pro secondary industry

Travel & Accident (Non-Life) Insurance (FSAJAMAN)

Keywords

• Personal insurance products
• Sustainable insurance coverage
• Recreational vehicle insurance
• Cyber insurance
• Independent advisor network

Headquarters

HQ city

Amsterdam

HQ country

Netherlands

HQ region

Europe

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: AnsvarIdéa generates revenue through collected insurance premiums from policyholders. The company offers multiple insurance products including auto, home, travel, recreational vehicle, liability, cyber, and legal aid insurance. Premiums are collected on a recurring basis (annually or as specified in policy terms).

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

AnsvarIdéa is a Dutch mutual insurance company that provides personal insurance products — including auto, home contents, valuables, liability with legal aid, cyber, travel, caravan, camper, classic car, electric car, holiday home, golf, and hobby/sports equipment coverage — sold exclusively through independent Dutch insurance advisors (assurantieadviseurs). The company emphasizes sustainability through its "Bewust" product line and offers up to 15% package discount when customers combine six or more insurance modules.

Product overview

AnsvarIdea is a Dutch insurance company that offers a comprehensive portfolio of personal insurance products distributed exclusively through independent insurance advisors. The product portfolio includes core property and casualty insurance products (home, contents, car, travel, liability, legal aid) as well as specialized recreation-focused insurance (caravan, camper, boat, holiday homes, golf, sports equipment). The company has developed a 'Bewust' (Conscious) sustainable insurance sub-brand that integrates environmental and social responsibility into coverage, including cyber protection modules (Cyber Compact and Cyber Compleet), sustainable repair incentives, and green energy system coverage. The flagship offering is the modular 'Ansvar pakketverzekering' (Package Insurance) that allows customers to bundle multiple products for up to 15% discount. Products are sold exclusively through independent insurance advisors (assurantieadviseurs), not directly to consumers.

Differentiator

Problem solved

Functional benefit

Brands

• Ansvar Bewust: A sustainable insurance product line including Bewust autoverzekering, Bewust inboedelverzekering, Bewust woningverzekering, Bewust recreatiewoningverzekering, Bewust camperverzekering, Bewust golfverzekering, and Bewust hobby- en sportartikelenverzekering.
• Idéaalpakket

Products and services

• Cyberverzekering voor particulieren (Cyber Insurance for Individuals) Comprehensive cyber insurance covering cyber extortion, hacking damage, online purchase fraud, social engineering, cyberbullying, and identity fraud. Provides access to specialized cyber incident assistance through Sedgwick. Targeted at Dutch individuals and households.
• Bewust inboedelverzekering (Conscious Contents Insurance) Standard all-risk contents insurance for households with home values between €30,000 and €100,000. Includes free basic cyber coverage (Cyber Compact) and optional extended coverage (Cyber Compleet). Targeted at Dutch homeowners and tenants.
• Kostbaarheden- en mobiele elektronicaverzekering (Valuables and Mobile Electronics Insurance) All-risk insurance for valuables (art, antiques, instruments, jewelry, collections) and mobile electronics. Valuables covered worldwide with no deductible; mobile electronics covered in Benelux and up to 50km from Dutch border. Priced at €75/year with standard insured amount of €10,000.
• Bewust aansprakelijkheidsverzekering en rechtsbijstand (Conscious Liability and Legal Aid Insurance) Combined personal liability insurance with optional legal aid coverage (executed by Anker Rechtshulp). Includes unique features such as director's liability coverage for volunteers, prosumer coverage, and psychological support after traumatic events. Targeted at Dutch individuals.
• Autoverzekering (Car Insurance) Vehicle insurance available in WA (liability only), WA Beperkt Casco (limited comprehensive), and WA Casco (full comprehensive) tiers. Includes 36-month new value guarantee up to €60,000 and 80% maximum no-claim discount. Targeted at Dutch vehicle owners.
• Elektrische autoverzekering (Electric Car Insurance) Specialized insurance for electric vehicles covering roadside assistance for depleted batteries, charging cables, and charging stations. Includes 36-month new and purchase value guarantees up to €60,000. Targeted at Dutch EV owners.
• Oldtimerverzekering (Classic Car Insurance) Insurance for classic vehicles categorized as Youngtimer (25+ years), Oldtimer (1970-1948), and Veteran (1948 and older). Offers annual or seasonal pricing with optional restoration coverage. Targeted at Dutch classic car enthusiasts.
• Caravanverzekering (Caravan Insurance) Comprehensive caravan and folding tent insurance with customizable coverage modules. Includes 1, 3, or 5-year value guarantee options and coverage for rental to friends and family. Reduced-deductible repair access through Omnia and Re-Camp networks. Targeted at Dutch caravan owners.
• Bewust Camperverzekering (Conscious Camper Insurance) Modular camper insurance with options for WA, limited/comprehensive casco, contents, legal aid, accident, and damage-in-passengers coverage. Includes 5 or 7-year new value protection up to 125% of insured amount. Targeted at Dutch camper owners.
• Reisverzekering (Travel Insurance) Annual travel insurance with three tiers (Basis, Comfort, Optimaal) covering medical emergencies, luggage, cancellations, and natural disasters. Includes optional cancellation insurance. Targeted at Dutch travelers.
• Bewust Recreatiewoningverzekering (Conscious Holiday Home Insurance) Insurance for holiday homes in Netherlands, Belgium, or Germany covering liability, fire, and all-risk options. Includes sustainable energy systems coverage and optional psychological support. Targeted at Dutch holiday home owners.
• Bewust Golfverzekering (Conscious Golf Insurance) Worldwide golf equipment insurance covering clubs, travel bag, trolley, clothing, and rangefinder. Includes €500,000 liability coverage, hole-in-one reward, and biodiversity contribution to Landschap Noord-Holland. Targeted at Dutch golfers.
• Bewust Hobby- en Sportartikelenverzekering (Conscious Hobby and Sports Equipment Insurance) Worldwide insurance for hobby and sports equipment covering theft, loss, and damage. Offers new value compensation for items under 2 years old and 15% extra compensation for sustainable repairs. Targeted at Dutch hobbyists and sports participants.
• Bewust autoverzekering (Conscious Car Insurance) Sustainable variant of car insurance introduced in June 2025 as part of the Bewust product line, aligning with the company's environmental and sustainability positioning. Targeted at sustainability-oriented Dutch vehicle owners.
• Ansvar pakketverzekering (Ansvar Package Insurance) Modular insurance package allowing customers to combine multiple insurance products (auto, caravan, camper, home, travel, liability, etc.) with package discounts up to 15% based on number of modules (6+ triggers maximum discount). Targeted at Dutch consumers bundling multiple personal insurance lines.
• Ongevallenverzekering (Accident Insurance) Personal accident insurance covering injury outcomes for Dutch individuals and households.
• Bewust Verzekering voor Verkeersdeelnemers (Conscious Insurance for Road Users) Bewust (Conscious) insurance coverage for road users, part of the Bewust sustainable product line.

Named customers2 records

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core and minor.

• SedgewickcoreImplementation/ SI/ Consulting PartnerSedgewick is appointed by AnsvarIdéa to handle cyber damage claims quickly and professionally. Sedgwick is a specialist in damage processing, ensuring efficient handling of cyber incidents for policyholders.
• Anker Rechtshulp (Anker Legal Aid)coreImplementation/ SI/ Consulting PartnerThe legal aid (rechtsbijstand) component of the AVP insurance is executed by Anker Rechtshulp, providing policyholders with access to legal assistance services.
• Omnia (Caravan Repair Network)minorChannel Partner/ Reseller/ DistributorOmnia is a network of caravan repair companies in the Netherlands that provides extended warranty on repairs. When customers use an Omnia repair company, their deductible is reduced to €0.
• Re-Camp (Caravan Repair Network)minorChannel Partner/ Reseller/ DistributorRe-Camp is a partnership of caravan repair companies offering comprehensive warranty on repairs. Similar to Omnia, using Re-Camp reduces customer deductible to €0.
• GlasgarantminorChannel Partner/ Reseller/ DistributorFor windshield replacement/repair, AnsvarIdéa partners with Glasgarant. Using Glasgarant eliminates the deductible (€0 own risk) for glass repairs.
• Landschap Noord-Holland - Natuurfonds (Nature Fund)minorStrategic or Co-development PartnerFor each active Bewust Golfverzekering policy, AnsvarIdéa donates annually to Landschap Noord-Holland's Nature Fund supporting meadow bird conservation in the Netherlands. Hole-in-one donations can be directed here as well, with increased contribution.

Recent moves6 records

Expansion highlights5 records

Direct peers

• De Goudse Verzekeringen: Dutch mutual insurer offering personal and commercial P&C plus life products through independent advisors, comparable to AnsvarIdéa in ownership structure, channel model, and multi-line personal focus.
• Centraal Beheer: Iconic Dutch insurance brand (Achmea subsidiary) offering personal P&C directly to consumers; comparable product set to AnsvarIdéa but very different go-to-market (direct vs. advisor) and much larger scale.
• Univé: Dutch mutual insurer with a strong independent-advisor distribution model and personal lines focus, structurally the closest analogue to AnsvarIdéa's mutual, advisor-led, consumer P&C positioning.
• FBTO: Dutch direct-to-consumer P&C and travel insurance brand under Achmea; competes with AnsvarIdéa on personal lines but bypasses the advisor channel, illustrating the alternative distribution model AnsvarIdéa has chosen not to pursue.
• Interpolis: Dutch rural and small-business P&C insurer (Achmea subsidiary) with strong brand affinity in agricultural communities; overlaps with AnsvarIdéa on personal P&C and sustainability themes while operating via direct digital channels.
• ONVZ: Dutch mutual health insurer with a comparable member-owned, advisor-friendly orientation; relevant as a benchmark for how Dutch mutuals scale niche propositions while preserving policyholder ownership.
• Klaverblad Verzekeringen: Dutch mutual insurer with a P&C-heavy product mix distributed via advisors, similar in size, cooperative heritage and consumer insurance orientation to AnsvarIdéa.

Broad incumbents

• a.s.r. Nederland: Major Dutch multi-line insurer with strong P&C, life and disability franchises; competes head-to-head with AnsvarIdéa in personal lines while offering much broader product breadth and distribution reach.
• Nationale-Nederlanden (NN Group): Dutch heritage insurer with material P&C, life and pension operations in the Netherlands; competes with AnsvarIdéa in personal insurance while operating at significantly greater scale and brand recognition.
• Achmea: Largest Dutch insurance group (parent of FBTO, Centraal Beheer, Interpolis) competing across the same personal P&C categories AnsvarIdéa targets, but at vastly greater scale and with direct distribution capabilities.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/ansvar-verzekeringsmaatschappij-n.v.

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 AnsvarIdea