De Onderlingen
De Onderlingen is a Dutch cooperative mutual insurer founded in 1897, providing home, auto, agricultural, and SME insurance to members in the Krimpenerwaard region through three local offices, a direct online subsidiary (SOM), and a mobile app, with surpluses returned to members as premium restitution.
- Company typePrivate
- Founded1897
- HeadquartersLekkerkerk, Netherlands
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What De Onderlingen does
De Onderlingen (legal name O.V.M. De Onderlingen U.A.) is a Dutch cooperative mutual damage insurer founded in 1897, headquartered in Lekkerkerk with additional offices in Benschop and Schoonhoven, serving the Krimpenerwaard region of the Netherlands. The company provides insurance and advisory services to three core customer segments: individuals and homeowners (Particulier), small and medium businesses (MKB), and agricultural businesses (Agrarisch), with a specialty line in thatched-roof (rieten dak) coverage. As a cooperative without shareholders, premiums are set to cover risk and operating costs, and positive financial results are returned to members through premium restitution (premieteruggave), premium adjustments, or reinvested service improvements.
The product portfolio spans home, contents, auto, bicycle, caravan, travel, legal aid, liability, and valuables insurance for individuals, alongside building, inventory, business interruption, and commercial vehicle coverage for SMBs and farms. De Onderlingen both underwrites its own policies and acts as an independent intermediary offering access to multiple Dutch insurers, with its wholly-owned subsidiary Onderlinge Verzekeringsmaatschappij SOM U.A. selling direct online car and bicycle insurance. Distribution is hybrid: three regional offices for personal advisory consultations (including phone, video, and on-location meetings), supplemented by an online premium comparison tool, a direct purchase platform, and an iOS/Android mobile app for 24/7 policy management and claims submission.
The business model is membership-based and non-profit: fire insurance policyholders automatically become cooperative members with voting rights exercised through the Ledenraad and Algemene Ledenvergadering. Revenue comes from recurring annual insurance premiums (subscription-style) and intermediary commissions, with surpluses redistributed to members rather than retained as profit. Member acquisition is driven by community-led channels including the Lid Werft Lid referral program, regional sports sponsorships (Krimpenerwaard Cup, Oliebollenloop), and local partnerships (Positiefwonen.nl for sustainability services, ZichtbaarStroom for agricultural inspections).
De Onderlingen firmographics
Firmographics- Name
- De Onderlingen
- Legal name
- O.V.M. De Onderlingen U.A.
- Website
- https://onderlingen.nl
- Company type
- Private
- Founded year
- 1897
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- De Onderlingen is a Dutch cooperative mutual insurer founded in 1897, providing home, auto, agricultural, and SME insurance to members in the Krimpenerwaard region through three local offices, a direct online subsidiary (SOM), and a mobile app, with surpluses returned to members as premium restitution.
- Ownership category
- akta.pro rank
Where De Onderlingen is headquartered
LocationHeadquarters
- HQ city
- Lekkerkerk
- HQ country
- Netherlands
- HQ region
- Europe
Offices3 records
Markets served
De Onderlingen business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Insurance Premiums: Revenue generated from insurance premiums paid by members for property, casualty, and liability coverage including auto, home, travel, legal aid, caravan, and bicycle insurance. As a cooperative without profit motive, premiums are set to cover risk and operating costs.
- Independent Insurance Intermediary: As an independent insurance intermediary, De Onderlingen offers access to insurance products from multiple insurers in the Dutch market, providing advisory services and brokering solutions.
- Premium Restitution: When the cooperative generates surplus revenue after covering costs and reserves, positive results are returned to members through premium restitution (premieteruggave), premium adjustments, or investments in improved services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Auto insurance with multiple coverage tiers |
| Subscription | Annual | Home insurance products |
| Subscription | Annual | SOM direct insurance products |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels5 records
De Onderlingen product offering
Product offeringCore offering
De Onderlingen is a cooperative non-profit damage insurer that provides personal, SME business, and agricultural insurance products including home, contents, auto, bicycle, travel, liability, legal aid, and caravan coverage, with a specialization in thatched roof (rieten dak) insurance. The company operates as both a direct insurer (through OVM De Onderlingen U.A. and subsidiary Onderlinge Verzekeringsmaatschappij SOM U.A.) and as an independent insurance intermediary offering policies from multiple Dutch insurers. Members receive personal advisory services through three regional offices combined with digital self-service via a mobile app and online quote platform.
Product overview
De Onderlingen is a cooperative non-profit insurance provider offering a comprehensive portfolio of insurance products and digital services. Their core offerings span personal insurance (home, contents, car, bicycle, travel, liability, caravan), agricultural insurance, and SME business insurance, with specialization in thatched roof properties. They operate as both insurer (OVM De Onderlingen U.A.) and independent insurance intermediary. Digital services include a mobile app for 24/7 access and damage reporting, an online car insurance premium comparison tool, and direct online policy purchasing for SOM auto and other insurance products. The company leverages digital communication and online tools to serve members across the Krimpenerwaard region.
Differentiator
Problem solved
Functional benefit
Products and services
- Particuliere Verzekeringen (Personal Insurance) Personal insurance products for individuals and families including home (opstal), contents (inboedel), car, bicycle, travel, liability, caravan, and valuables (kostbaarheden) coverage. Designed for individual members/cooperative owners.
- Agrarische Verzekeringen (Agricultural Insurance) Specialized insurance for agricultural businesses including building, inventory, livestock catastrophe, and business interruption coverage. Includes arrangements for SCIOS-certified Scope 10 (electrical) and Scope 12 (solar panel) inspections required for coverage.
- MKB Zakelijke Verzekeringen (SME Business Insurance) Business insurance solutions for small and medium enterprises including building, inventory, business interruption, and commercial liability coverage.
- Rieten Dak Verzekering (Thatched Roof Insurance) Specialized insurance for properties with traditional or synthetic thatched roofs, including risk assessment, prevention services, free fire extinguishers, electrical inspections, and chimney inspections for members.
- SOM Autoverzekering (SOM Car and Bicycle Insurance) Car insurance product under the subsidiary SOM offering three coverage tiers: WA (mandatory third-party liability), WA + Limited Casco (theft, fire, glass), and WA + Full Casco (All Risk). Bicycle insurance also available under this brand. Purchasable directly online 24/7.
- Direct Online Afsluiten (Direct Online Insurance Service) Self-service online platform for calculating premiums and directly purchasing insurance products including caravan, bicycle, legal expenses, liability, car, and travel insurance outside of office hours.
Quantifiable outcome
- Premium restitution to members when positive results are achieved
- +1 more outcomes
Companies that use De Onderlingen
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles4 records
De Onderlingen technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
De Onderlingen partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered minor and core.
- Positiefwonen.nlminorPartnership to support homeowners in sustainability efforts including energy-saving measures, energy labels, and renovation work execution. Members of De Onderlingen receive support in making homes safer, more comfortable, and future-proof.
- ZichtbaarStroomcorePartner for arranging SCIOS-certified Scope 10 (electrical) and Scope 12 (solar panel) inspections required for agricultural insurance coverage. Based in Bergambacht.
- Tennisvereniging LopikminorSponsor of local tennis club, demonstrating community involvement and support for regional sports organizations.
- Oskam SchoenenminorSponsor and ball provider for the Onderlingen Krimpenerwaard Cup football tournament, providing Derby Star Bundesliga match balls.
- Team Sportservice KrimpenerwaardminorPartner in organizing the Onderlingen Krimpenerwaard Cup football tournament, providing expertise and support for event organization.
- Gemeente KrimpenerwaardminorMunicipal partner providing the championship trophy and top scorer award for the Krimpenerwaard Cup football tournament.
- FC PerkouwminorHosted the inaugural Onderlingen Krimpenerwaard Cup at Sportpark Over de Wetering in Berkenwoude.
Scale indicators4 records
Recent moves6 records
Expansion highlights4 records
De Onderlingen competitors and assessment
Company assessmentBroad incumbents
- FBTO: Achmea direct/digital brand for auto, home and travel insurance; comparable digital-self-serve and direct-purchase motion used by De Onderlingen's SOM products.
- Baloise Insurance (Netherlands): Dutch P&C insurer (formerly Generali Nederland) serving private and SME customers; comparable personal and commercial lines to De Onderlingen's portfolio at broader scale.
- Nationale-Nederlanden: Large Dutch insurer (NN Group) with broad P&C and life offerings for individuals and SMEs; a scale competitor across the personal lines De Onderlingen serves.
- Interpolis: Achmea brand focused on Dutch households and farmers ('Glashelder'); overlaps with De Onderlingen's agricultural and personal-lines offerings at much larger national scale.
- Allianz Nederland: Global insurer's Dutch P&C and personal-lines operation; competing in auto, home and SME coverage offered by De Onderlingen, but with national reach and broader product depth.
- ASR Nederland: One of the largest Dutch insurance groups, offering P&C, life and health through brands including a.s.r. and Ardanta; competes across De Onderlingen's product set at national scale.
- Centraal Beheer (Achmea): Major Dutch P&C/auto/home insurer under Achmea; competing in the same personal and SME lines as De Onderlingen, but at national scale and through direct/digital channels.
Direct peers
- Univé: Dutch cooperative insurer operating on a similar member-owned, no-profit-motive model with regional offices and a broad P&C/auto/home product set. Highly comparable in mission, structure and product breadth.
- Klaverblad Verzekeringen: Dutch mutual insurer focused on SMEs, agriculture and private customers with personal advisory distribution; comparable target segments and cooperative-style positioning.
- Avero Achmea: Regional Dutch cooperative insurer backed by Achmea; serves individuals, businesses and the agricultural sector with personal advisory and a regional branch model — closely mirrors De Onderlingen's cooperative/regional approach.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
De Onderlingen social profiles
Digital presenceDe Onderlingen financial estimates
Financial estimateRevenue estimate
Valuation estimate
De Onderlingen leadership team
Management profileNumber of profiles
De Onderlingen subsidiaries and ownership
Company hierarchySubsidiaries1 record
De Onderlingen funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
De Onderlingen M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about De Onderlingen
What does De Onderlingen do?
De Onderlingen is a cooperative non-profit damage insurer that provides personal, SME business, and agricultural insurance products including home, contents, auto, bicycle, travel, liability, legal aid, and caravan coverage, with a specialization in thatched roof (rieten dak) insurance. The company operates as both a direct insurer (through OVM De Onderlingen U.A. and subsidiary Onderlinge Verzekeringsmaatschappij SOM U.A.) and as an independent insurance intermediary offering policies from multiple Dutch insurers. Members receive personal advisory services through three regional offices combined with digital self-service via a mobile app and online quote platform.
Is De Onderlingen a public or private company?
De Onderlingen is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was De Onderlingen founded?
De Onderlingen was founded in 1897. It employs 11 to 50 people.
Where is De Onderlingen based?
De Onderlingen is headquartered in Lekkerkerk, Netherlands, in the Europe region.
How does De Onderlingen make money?
Three revenue lines are on record. Insurance Premiums are the primary driver. The others are independent Insurance Intermediary and premium Restitution.
Who are De Onderlingen's main competitors?
Broad incumbents on record are FBTO, Baloise Insurance (Netherlands), Nationale-Nederlanden, Interpolis, Allianz Nederland, ASR Nederland and Centraal Beheer (Achmea). Direct peers are Univé, Klaverblad Verzekeringen and Avero Achmea.
Does De Onderlingen have an API?
No public API is recorded for De Onderlingen.