What Actua Groep does

Actua Groep B.V. is a privately held Dutch insurance group founded in 1986 and headquartered in Rotterdam (Rivium Oostlaan 1), operating across the Netherlands, Belgium, Luxembourg, and Germany through five wholly-owned subsidiaries. The group is structured to cover the full insurance value chain: Actua Assurantiën B.V. acts as an intermediary working with 22 insurance companies; Actua Assuradeuren B.V. operates as a gevolmachtigd agent (authorized agent) for international insurers; Actua Schadeverzekering N.V., acquired in 2007, functions as the group's own niche insurance carrier focused on product-related insurance; Actua International B.V., established in 2006, serves Dutch companies abroad; and Actua Lease & Services B.V., added in 2020, runs the Private Lease Used product enabling dealers to build lease fleets with used vehicles.

The product portfolio centers on auto insurance (Honda Autoverzekering, Actua Auto Service, Auto Service Garant, VerzekerJeAuto.nl) and product/electronics insurance (phone, laptop, tablet, computer equipment, and Apple device coverage distributed via Verzeker je Apple), alongside the Actua Garagepolis 'Méér voor Minder' business insurance package for automotive businesses. Actua distributes through three primary channels: direct-to-consumer digital sales via actua.nl with 24/7 online claims reporting; a dealer network anchored by Honda plus numerous independent autobedrijven; and retail/e-commerce partnerships with electronics retailers such as Platte TV, Kamera Express, and Paradigit. The technology platform comprises online policy management, a PartnerPortaal for dealer partners, an online damage-reporting form, and integrations with Google Analytics, RDW, the CIS fraud-prevention database, and Roy-data for claim-free-year retrieval.

Revenue derives from commission on intermediated insurance, underwriting premiums from the own carrier, authorized-agent fees, lease rentals, and (since 2020) business financing fees facilitated through partner financial institutions. The group is founder-led by Ser Peters with no disclosed institutional ownership, PE/VC funding, or public listing.

Name

Actua Groep

Legal name

Actua Groep B.V.

Website

https://actua.nl

Company type

Private

Founded year

1986

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Capelle Aan Den Ijssel

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Intermediation: Actua Assurantiën acts as intermediary/broker, arranging insurance products for customers in collaboration with 22 insurers. Generates commission revenue from insurance placements.
2. Direct Insurance Underwriting: Actua Schadeverzekering N.V. underwrites insurance products as a niche insurer, focusing on product-related insurance. Own insurance company operational since 2007.
3. Gevolmachtigd Agent (Managing General Agent): Actua Assuradeuren operates as authorized agent for international insurance companies, handling insurance applications, acceptance and processing independently while the insurer carries the financial risk.
4. Private Lease: Actua Lease & Services offers private lease products for used cars through automotive dealer partnerships, launched in 2020.
5. Business Financing: Since 2020, in collaboration with financial institutions, Actua also provides business financing services.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Actua Groep is a Dutch insurance group operating as intermediary, insurer, authorized agent (volmacht), and lease company. The group offers auto insurance, product insurance for electronics and appliances, business insurance for automotive dealers (Garagepolis), and private lease services for used cars through automotive dealer and retail partner channels.

Product overview

Actua Groep operates as a multi-faceted insurance group offering a platform of insurance products and services primarily focused on the Dutch market. The portfolio consists of several distinct product lines: (1) Auto insurance products including Actua Auto Service, Auto Service Garant, VerzekerJeAuto.nl, and Honda Autoverzekering for car dealers and private individuals; (2) Product insurance including phone, laptop, tablet, and computer equipment coverage plus Verzeker je Apple, all offering extended warranty protection; (3) Business insurance through the Actua Garagepolis 'Méér voor Minder' concept for automotive businesses; and (4) Lease services via Private Lease Used for car dealers building used car lease fleets. The group operates through its subsidiary companies: Actua Assurantiën B.V. (core product development and administration, working with 22 insurers), Actua Assuradeuren B.V. (authorized agent for international insurers), Actua Schadeverzekering N.V. (own insurance company for niche product insurance), Actua International B.V. (serving Belgium, Luxembourg, and Germany), and Actua Lease & Services B.V. (lease activities).

Differentiator

Problem solved

Functional benefit

Brands

• VerzekerJeAuto.nl: Online platform for car insurance offered by Actua
• VerzekerJeApple.nl
• Actua Auto Service
• Auto Service Garant
• Private Lease Used
• Actua Garagepolis

Products and services

• Autoverzekering (Car Insurance) Car insurance products including comprehensive, third-party liability, and all-risk coverage with various warranty and service options for both private individuals and businesses.
• Actua Auto Service Insurance and warranty product for independent car dealers selling multiple brands. Includes 3-year new value/purchase value arrangement, up to 2 years warranty, maintenance, APK, repairs and damage restoration at customer's garage, 100% labor compensation, and 24/7 roadside assistance in Europe.
• Auto Service Garant All-risk car insurance combined with extended warranty coverage up to 10 years, specifically designed for Asian brand dealers in partnership with VerzekerJeAuto.nl.
• Honda Autoverzekering Specialized car insurance product for Honda vehicles, offered in partnership with Honda dealers with unique warranty conditions and competitive premiums.
• Telefoonverzekering (Phone Insurance)

Quantifiable outcome

• Up to 40% savings potential on garage insurance with the Méér voor Minder Garagepolis product
• +4 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• Honda DealerscoreChannel Partner/ Reseller/ DistributorHonda dealers across the Netherlands offer Actua auto insurance products including Honda Autoverzekering with unique 10-year warranty coverage. This is a flagship partnership providing insurance products through Honda's dealer network.
• Autobedrijven (Automotive Dealers)coreChannel Partner/ Reseller/ DistributorIndependent car dealers and automotive businesses partner with Actua for auto insurance products. Actua provides concepts like Actua Auto Service and Auto Service Garant with annual Service Passes valued €30-100, driving workshop visits and customer retention for dealers.
• Platte TVminorChannel Partner/ Reseller/ DistributorConsumer electronics retailer partners with Actua to offer product insurance to customers purchasing TVs and other electronics.
• Kamera ExpressminorChannel Partner/ Reseller/ DistributorCamera retailer partners with Actua for camera insurance products, offering customers carefree use of their equipment.
• ParadigitminorChannel Partner/ Reseller/ DistributorComputer retailer partners with Actua for notebook insurance products, providing unique service product differentiation.
• 22 Verzekeraars (Insurance Companies)coreStrategic or Co-development PartnerActua Assurantiën works with 22 insurance companies for product distribution, offering flexibility and variety in insurance solutions to customers. This network of insurer partnerships is fundamental to Actua's intermediation business.
• Actua Schadeverzekering N.V.coreOthersOwn insurance subsidiary (since 2007) that underwrites insurance products as a niche insurer, primarily focused on product-related insurance. Provides Actua with vertical integration and independence.
• International Insurance CompaniescoreStrategic or Co-development PartnerActua Assuradeuren is authorized agent for various international insurance companies, handling applications, acceptance and processing independently from the insurer's perspective.
• Financial InstitutionsminorStrategic or Co-development PartnerSince 2020, Actua collaborates with financial institutions for business financing services, extending their product offerings beyond insurance.

Scale indicators5 records

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• ASR Nederland: Major Dutch insurance carrier across P&C, life, and health. Comparable as a Netherlands-anchored multi-line insurer competing for the same auto, mobility, and retail-embedded product business.
• NN Group: Large Dutch-headquartered insurance group with P&C operations across the Benelux and DACH. Comparable multi-country European footprint and product breadth.
• Allianz SE: Global P&C and life insurance giant with strong automotive and embedded insurance offerings. Comparable direct insurance carrier and dealer-channel distribution model, particularly relevant in Germany where Actua International operates.
• Marsh McLennan: World-leading insurance broker and risk advisor. Operates the same intermediary model as Actua Assurantiën but at global scale, with deep P&C and specialty lines expertise.
• Achmea: Largest Dutch insurance group (including Centraal Beheer, Interpolis). Closest home-market incumbent with broad P&C and health offerings and established Dutch dealer/retail distribution.
• Willis Towers Watson: Global insurance brokerage and advisory. Comparable intermediation business model and carrier-agnostic placement approach, though focused on large commercial accounts.
• Aon plc: Global insurance brokerage and advisory firm. Comparable as a multi-line insurance intermediary placing coverage with multiple carriers, though at vastly larger scale and broader geography than Actua.

Others

• LeasePlan Corporation: Major European vehicle leasing and fleet management company. Comparable adjacent business line to Actua Lease & Services, with potential for cross-sell into insurance products via dealer relationships.

Emerging players

• Lemonade Inc. Digital-first consumer insurance carrier. Comparable as a digitally-native insurer focused on simplified consumer experiences and product-specific (e.g., phone, electronics) coverage — directly overlapping with Actua's product insurance line.
• Coverwise: Specialist Dutch consumer electronics and gadget insurance provider. Directly comparable niche product-insurance focus (laptops, phones, tablets, cameras) targeting Dutch retail customers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries5 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 Actua Groep