What Allianz does

Allianz Benelux NV is the Belgian operating subsidiary of Allianz SE, the Munich-headquartered global insurance conglomerate. The company provides a comprehensive portfolio of property and casualty, life, and health insurance products to Belgian consumers, self-employed professionals, small and medium enterprises, and corporate clients purchasing employee benefit schemes. Core product lines include the Car Plan auto insurance product (with Burgerlijke Aansprakelijkheid, Mini-Omnium, and Omnium coverage tiers), the New Home Plan for residential property, Family Plan family liability coverage, group insurance and supplementary pensions (including the Allianz LifeCycle Pension Plan), cyber insurance (CyberSafe) for professionals, and construction all-risks (ABR) cover. The product portfolio is complemented by partner-distributed travel insurance through Allianz Assistance and roadside assistance through Allianz Partners.

The technology stack centers on digital distribution and broker productivity tooling rather than AI-native capabilities. Key platforms include the MyAllianz Broker portal for policy administration and quoting, the MyBenefits@Allianz employee self-service portal, online premium calculators for auto and home insurance, the Allianz Life Portal for investment insurance contract management, and the Allianz Prevention Platform for workplace risk reduction. Allianz Benelux participates in industry-wide fraud-prevention data sharing via Datassur and Alfa Belgium and produces the annual Allianz Risk Barometer based on 3,778 respondents across 106 countries. The Allianz Digital Academy provides structured training to the independent broker channel that constitutes the company's primary distribution model.

Revenue is generated predominantly through recurring insurance premiums across P&C, life, and group lines, with pricing determined by risk-based factors (vehicle value, driver profile, location, claims history) and adjusted through volume-based package discounts under the All-in-One bundling program. Distribution is anchored by an extensive Belgian independent broker (makelaar) network, supplemented by digital self-service tools for premium calculation and an inside sales operation for customer service during business hours. The company segments its customer base horizontally across Particulieren (individuals/families), Professionelen (professionals/SMEs), Employee Benefits (corporate), and Micro-KMOs (micro-enterprises), and is currently executing a One Allianz Benelux integration strategy that unifies AGCS and Allianz Benelux commercial underwriting under a single P&C organization.

Name

Allianz

Legal name

Allianz Benelux nv

Website

https://allianz.be

Company type

Private

Founded year

1890

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Allianz Benelux NV is the Belgian insurance subsidiary of Allianz SE, offering auto, home, life, and commercial coverage to individuals, SMEs, and corporate clients in Belgium through an independent broker network supported by digital self-service platforms.

Ownership category

akta.pro rank

Product category

Insurance

NAICS

Insurance Carriers (5241), Direct Life, Health, and Medical Insurance Carriers (52411), Insurance Carriers and Related Activities (524)

SIC

Fire, Marine & Casualty Insurance (6331), Life Insurance (6311), Accident & Health Insurance (6321)

akta.pro primary industry

Large Commercial Package (National Accounts) (FSAJAFAC)

akta.pro secondary industries

Contractors BOP / Artisan Package (FSAJAFAD), Group Universal Life (GUL) (FSAIADAC), Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ), Excess Liability Insurance (FSAJANAC)

Keywords

• Insurance products
• Personal lines insurance
• Commercial insurance
• Employee benefits
• Broker distribution

Headquarters

HQ city

Brussels

HQ country

Belgium

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Property & Casualty Insurance: Core revenue from auto, home, and other non-life insurance products including Car Plan, New Home Plan, Family Plan, and commercial insurance. Premiums are collected annually or monthly through broker channels.
2. Life Insurance: Life and pension insurance products including term life, pension savings, investment insurance (Tak 21, Tak 23), and group insurance through employers.
3. Employee Benefits: Group insurance and employee benefit solutions for employers including supplementary pension, hospitalization, and disability coverage.
4. Assistance Services: Roadside assistance and travel assistance services provided through Allianz Partners.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

Allianz Benelux nv is a Belgian insurance and financial services provider offering property and casualty insurance (auto, home, family liability, construction all-risks, cyber), life and investment insurance (term life, capital protector, Tak 21/Tak 23 investment products), employee benefits (group insurance, hospitalization, pension plans), and roadside/travel assistance. The company distributes its products primarily through independent insurance brokers (makelaars) supported by dedicated broker digital tooling and self-service premium calculators.

Product overview

Allianz Benelux offers a comprehensive insurance and financial services portfolio organized across four main customer segments: Particulieren (individuals), Professionelen (professionals/businesses), Employee Benefits (employer-sponsored coverage), and insurance brokers (makelaars). The core insurance offerings include auto insurance products (Car Plan with Burgerlijke Aansprakelijkheid, Mini-Omnium, and Omnium tiers), home insurance (New Home Plan for individuals, New Building Plan for apartment buildings), and family liability insurance (Family Plan). Supplementary products include driver coverage, legal protection, roadside assistance, credit protection, and cyber insurance. For professionals, offerings include All-in-One Pro packages, construction all-risks insurance (ABR), and cyber coverage. Employee benefits encompass group insurance, medical plans, pension solutions (Allianz LifeCycle Pension Plan), and the MyBenefits@ Allianz digital portal. Allianz operates digital platforms including MyAllianz Broker for intermediaries, Allianz Life Portal for investment insurance management, and Allianz Prevention Platform for workplace safety. The company also provides travel insurance through its Allianz Assistance partner. Products are distributed primarily through insurance brokers, with digital tools for premium calculation and claims reporting.

Differentiator

Problem solved

Functional benefit

Products and services

• Car Plan Allianz Car Plan is a personal auto insurance product for Belgian drivers offering multiple coverage tiers: Burgerlijke Aansprakelijkheid (mandatory third-party liability), Mini-Omnium (intermediate coverage for fire, theft, storm, glass damage), and Omnium (full coverage including vandalism and own-vehicle damage). Pricing varies by vehicle value, driver profile, usage, and mileage, with discounts for low-mileage drivers, vehicle safety systems, and Allianz Top repairers.
• New Home Plan Allianz New Home Plan is a home insurance product for both renters and owners covering buildings and/or contents against fire, water damage, storm, glass break, electrical damage, vandalism, natural disasters, and theft. Coverage extends to solar panels, charging stations, home batteries, and home offices, with discounts for prevention measures (smart smoke detectors, alarm systems) and recent full renovation.
• New Building Plan Allianz New Building Plan is a fire insurance product for apartment buildings and co-ownership covering the building, exterior installations, and communal content, with comprehensive base coverage including natural disasters, theft, and civil liability. Designed for syndicates and co-owners of apartment buildings in Belgium.
• Hypothecair Krediet (Mortgage Loan) Allianz Hypothecair Krediet is a residential mortgage product. As of 1 November 2024, no new mortgages are accepted; existing loans are managed without refinancing, with redraws and additional renovation loans still offered on the existing book.
• Allianz Home Credit Protector Allianz Home Credit Protector is a credit protection insurance that guarantees partial or full repayment of mortgage loans in the event of the policyholder's death, protecting family members and enabling them to retain ownership of the family home.
• Family Plan Allianz Family Plan is a family liability insurance (BA Familiale) covering damage caused to third parties by the policyholder, family members, or pets worldwide, with coverage extending to drones, electric bikes, hoverboards, and horses. Designed for Belgian households seeking comprehensive third-party liability protection.
• All-in-One Pakket (Personal) All-in-One Pakket is a bundled personal insurance package combining Allianz Car Plan, New Home Plan, family liability and other coverages with up to 10% package discount, waived deductible of up to EUR 625 for customers with one or more years of claims-free history, and monthly payment option at no extra cost. A 2026 campaign doubled the package discount for new Car Plan and New Home Plan contracts added to the package.
• Alle Bouwplaatsrisico's (ABR) Allianz Alle Bouwplaatsrisico's (ABR) is an all construction risks insurance (contractor's insurance) covering damage to construction sites, works in progress, and materials during building, renovation, or reconstruction, including theft, vandalism, and natural disasters, with optional maintenance period coverage. Targeted at construction projects and contractors.
• CyberSafe Allianz CyberSafe is a cyber insurance product for Belgian professionals offering comprehensive coverage against cyber threats, with a free CyberSafe scan included. Designed to protect SMEs and self-employed professionals from financial impact of cyber incidents and data breaches.
• All-in-One Pro All-in-One Pro is a comprehensive bundled insurance package for Belgian professionals and businesses combining multiple coverage types—including cyber, building, liability, and vehicle—with customized solutions for business needs. Targeted at self-employed professionals and SMEs.
• Allianz Medical Plan Allianz Medical Plan is a health insurance product covering hospitalization and ambulatory care costs for employees, providing maximum coverage at competitive pricing for employers sponsoring the policy.
• Allianz LifeCycle Pension Plan Allianz LifeCycle Pension Plan is a life-stage adaptive pension plan that adjusts coverage and contributions based on the policyholder's age and life events, designed for long-term retirement savings and pension accumulation.
• Groepsverzekering (Group Insurance) Allianz Groepsverzekering is a collective insurance product for employees sponsored by employers, including supplementary pension, death capital, guaranteed income, and medical costs. Provides a comprehensive employee benefits package used by Belgian employers to attract and retain talent.
• Allianz Assistance Travel Insurance Allianz Assistance Travel Insurance is a travel insurance and trip-cancellation product offered through the Allianz Assistance partner, covering Belgian travelers for trips of any frequency with medical expense, trip cancellation, and 24/7 travel assistance benefits.
• Allianz Capital Protector Allianz Capital Protector is a life insurance product providing a guaranteed capital payout to beneficiaries in the event of the policyholder's death, ensuring financial protection for surviving family members.
• Allianz Invest for Life 3A My Future Allianz Invest for Life 3A My Future is an investment-linked insurance product combining capital security with prospects for attractive returns, designed for long-term savings in uncertain economic times.

Quantifiable outcome

• 4-star customer satisfaction rating for auto insurance claims handling
• +3 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Royal Belgian Athletics FederationcoreStrategic or Co-development Partner · 1 January 2021Allianz has been the partner of the Royal Belgian Athletics Federation since 2021, supporting both the federation and various top athletes. This partnership provides brand visibility and association with athletics and sports excellence.
• SOS Children's VillagesminorStrategic or Co-development PartnerAllianz supports SOS Children's Villages through sponsorship and partnership programs, demonstrating corporate social responsibility commitments.
• StroohmcoreTechnology or IntegrationPartnership with Stroohm (Zencharger) for electric vehicle charging stations. Allianz insurance customers with auto and home insurance receive 7-10 years warranty on charging stations (worth 350 EUR), providing added value for EV owners.
• Allianz PartnerscoreStrategic or Co-development PartnerAllianz Partners provides roadside assistance and travel assistance services for Allianz insurance customers, offering 24/7 support including vehicle recovery, replacement vehicles, and medical repatriation.
• DatassurminorOthersInsurance sector database for risk analysis and fraud prevention. Allianz shares and receives data on policyholders to combat insurance fraud.
• Alfa BelgiumminorOthersAutomotive insurance claims database (Schadedatabank) for detecting organized insurance fraud. Members include insurers, BGWF, and BBAV.
• Allianz AssistancecoreStrategic or Co-development PartnerTravel insurance products offered through Allianz Assistance, covering trip cancellation, medical expenses, and travel assistance services.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Ethias: Ethias is a Belgian mutual insurer offering non-life, life, and health insurance with public-sector and SME focus — overlapping with Allianz Benelux's individual and professional customer segments.
• AG Insurance: AG Insurance (Ageas) is a leading Belgian multi-line insurer offering life, non-life, and health insurance with a strong broker and bank distribution model — directly comparable to Allianz Benelux across all primary customer segments.
• Baloise Insurance Belgium: Baloise Belgium is part of the Swiss Baloise Group and offers property/casualty and life insurance in Belgium with a strong broker channel — comparable to Allianz as a non-bank multi-line insurer with intermediated distribution.
• DVV Insurance: DVV (De Verzekeraars Van Vandaag) is the direct retail brand of AG Insurance, competing head-to-head with Allianz in auto, home, and family insurance for Belgian individuals and self-employed.
• NN Insurance Belgium: NN Belgium (part of NN Group) is a Dutch-rooted insurer with strong life, pension, and group benefits focus in the Belgian market — closely comparable to Allianz's Employee Benefits and life/pension segments.
• AXA Belgium: AXA Belgium is one of the largest direct competitors in the Belgian insurance market, offering auto, home, life, and health insurance through a broker and direct network — competing head-to-head with Allianz in every product line.

Broad incumbents

• BNP Paribas Cardif Belgium: BNP Paribas Cardif is the insurance arm of BNP Paribas Fortis in Belgium, offering life, creditor, and protection insurance — a bancassurance peer competing with Allianz in life and group benefits.
• Belfius Insurance: Belfius Insurance operates as part of Belfius Bank, distributing insurance through Belgium's largest bank branch network — directly comparable to Allianz in auto, home, life, and group benefits distribution scale.
• KBC Insurance: KBC Insurance is the insurance arm of KBC Group, one of Belgium's largest banking-insurance conglomerates, offering life and non-life products through an integrated bancassurance model — competing with Allianz across individuals, SMEs, and corporate segments.
• ING Insurance Belgium: ING Belgium distributes life and non-life insurance products as part of ING's global banking-insurance franchise — competing with Allianz in bancassurance distribution of life, pension, and household coverage.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/AllianzBelgium
• Facebookfacebook.com/AllianzBelgium
• LinkedInlinkedin.com/company/allianz-belgium

Compliance2 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 Allianz