OpGroen

What OpGroen does

OpGroen is a Dutch insurance intermediary (verzekeringsintermediair) headquartered in Rotterdam that distributes a comprehensive portfolio of personal insurance and adjacent financial services to Dutch consumers. The company serves more than 300,000 customers across two complementary go-to-market motions: a direct-to-consumer digital storefront at opgroen.nl where individuals can compare, price, purchase, and service policies online, and a B2B2C collective channel that distributes tailored insurance through partnerships with more than 1,200 Dutch employers and organizations including Shell, KLM, Philips, ASML, Boskalis, Heineken, and PostNL. OpGroen positions itself as an independent broker rather than a captive insurer, with products underwritten by partners such as ASR Verzekeringen (primary carrier for several personal lines) and specialty partners Figo (pet), F-Secure (cyber assistance), ARAG and DAS (legal), Allianz Global Assistance (roadside), SOS International (emergency), Nationale-Nederlanden (hearing aids), and Carglass/ASN Autoschade (repair).

The product catalog is unusually broad for a digital broker and spans vehicle insurance (auto, bestelauto, bromfiets/scooter, camper, caravan, elektrische fiets, fiets, oldtimer, motor), personal lines (arbeidsongeschiktheid/AOV disability, aansprakelijkheid liability, bruiloft wedding, gehoorapparaat hearing aid, huisdieren pet, inboedel contents, kostbaarheden valuables, ongevallen accident, rechtsbijstand legal, reis travel, woonhuis buildings, zorg health), and recreational lines (boot, recreatiegoederen, recreatiewoning, sloep). On top of insurance, OpGroen offers financial services — mortgages (hypotheken), pensions (pensioenen), income and absenteeism advice (inkomen en verzuim), a life cover product (overlijdensrisico), a personal financial-planning service (Mijn Geldzaken), and a private-client offering for high-net-worth individuals. Underlying technology includes a customer account portal with online premium calculation, digital policy management, and claims filing, plus a network of integrated service providers whose contact lines and processes are wired into policy workflows.

The revenue model is brokerage commission-based: OpGroen does not underwrite risk itself but earns commissions and fees from the underlying insurers (ASR, Nationale-Nederlanden, Allianz Global Assistance, etc.) on policies it distributes. Pricing is product-specific and risk-based — e.g., camper premiums run €450–€2,000/year, e-bike €50–€150/year, wedding insurance starts at ~€100 one-time, and AOV disability premiums range from hundreds to thousands of euros annually — and is largely billed annually. The company employs 251–500 people and operates exclusively in the Netherlands, with no disclosed parent company, private equity backing, or public listing.

Name

OpGroen

Legal name

OpGroen

Website

https://opgroen.nl

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Rotterdam

HQ country

Netherlands

HQ region

Europe

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage / Commission Revenue: OpGroen acts as an insurance broker and intermediary, offering products from multiple insurance providers (including ASR, Allianz Global Assistance, Figo, F-Secure, ARAG, DAS, Nationale Nederlanden). The company earns commission or fees from the insurers whose products it distributes. Customers purchase insurance policies through OpGroen's platform and pay premiums, with OpGroen receiving compensation from the underlying insurers.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

OpGroen is a Dutch independent insurance intermediary that distributes personal insurance products from multiple underlying carriers (including ASR, Nationale-Nederlanden, Figo, F-Secure, ARAG, DAS, and Allianz Global Assistance) through its digital platform and via collective employer agreements. Customers can calculate premiums, purchase policies, manage coverage, and file claims online, and they can also access personal advisors and ancillary financial services such as mortgage, pension, and income protection advice. The portfolio spans vehicle, household, liability, legal, travel, disability, pet, wedding, hearing aid, accident, life, and health insurance lines.

Product overview

OpGroen is a Dutch insurance intermediary (verzekeraar) offering a comprehensive portfolio of insurance products and financial services. The core offering includes vehicle insurance (auto, bestelauto, bromfiets/scooter, camper, caravan, fiets, motor, oldtimer), personal insurance (arbeidsongeschiktheid/AOV, aansprakelijkheid, bruiloft, gehoorapparaat, huisdieren, inboedel, kostbaarheden, ongevallen, rechtsbijstand, reis, woonhuis, zorg), and financial services (hypotheken, pensioenen, Mijn Geldzaken, inkomen en verzuim). Services are delivered through collective agreements with over 1,200 employers and organizations, and via a digital platform with access to human advisors. Key partnerships include Figo (pet insurance), F-Secure (cyber assistance), and various automotive glass/repair partners.

Differentiator

Problem solved

Functional benefit

Products and services

• Autoverzekering (Auto Insurance) Vehicle insurance for Dutch consumers covering damage to others, accident assistance in the Netherlands and abroad, and optional breakdown assistance. Offers up to 80% no-claim discount and standard new value coverage for 2 years with comprehensive (All Risk) coverage.
• Bestelauto Insurance Commercial van insurance for private-use vans up to 3,500 kg offering WA, Limited Casco, and All Risk coverage options, with no premium penalty for non-fault damage and pickup/dropoff service through approved repairers.
• Bromfietsverzekering (Moped and Scooter Insurance) Moped and scooter insurance covering WA (liability), theft, and collision with a 55% initial no-claim discount, the same no-claim buildup as cars, and new value coverage.
• Camper Insurance Camper/motorhome insurance with WA, Limited Casco, and All Risk options, including 24/7 accident assistance worldwide, new value coverage, and no premium increase for non-fault damage.
• Caravan Insurance Touring caravan and folding camper insurance with Limited Casco and All Risk coverage, including standard assistance and breakdown coverage, purchase value protection for 1, 3, or 5 years, and customizable deductible up to €500.
• Elektrische Fietsverzekering (E-bike Insurance) Electric bicycle insurance with unique coverage for battery damage from falls or impacts, 3-year coverage against purchase value, new batteries covered for full purchase value for 3 years, and 20% theft discount with GPS protection.
• Fietsverzekering (Bicycle Insurance) Bicycle insurance covering theft and damage with optional breakdown assistance from the home address, insuring city bikes, cargo bikes, mountain bikes, racing bikes, and other bike types.
• Oldtimer Insurance Classic car insurance for vehicles 25+ years old with less than 7,500 km annual mileage, offering WA, WA+, and All Risk coverage at generally cheaper pricing than standard auto insurance.
• Motor Insurance Motorcycle insurance with WA, Limited Casco, and All Risk options, including 15-month new value coverage, breakdown assistance abroad, and standard helmet and clothing coverage (up to €750) with All Risk.
• Woonhuisverzekering (Buildings Insurance) Buildings/home insurance covering damage to the structure of the home against storm, fire, theft, and other covered perils, including solar panels as standard and garden coverage up to €25,000.
• Inboedelverzekering (Household Contents Insurance) Home contents insurance covering household items against fire, theft, leakage, and damage, with 24/7 cyber incident assistance via Cyberhulp powered by F-Secure, standard jewelry coverage up to €6,000, and coverage for damage by children.
• Kostbaarhedenverzekering (Valuables Insurance) Valuables insurance add-on covering jewelry and watches up to €25,000 (also outside the home) and art and antiques up to €50,000, integrated with the inboedelverzekering as additional coverage option.
• Aansprakelijkheidsverzekering (Personal Liability Insurance) Personal liability insurance covering damage caused to others worldwide, protecting the policyholder, family members, housemates, and pets.
• Rechtsbijstandverzekering (Legal Expense Insurance) Legal expense insurance providing legal support for consumer disputes, neighbor conflicts, inheritance, municipal issues, and more, with a base module plus optional add-ons for Traffic, Employment, Tax & Wealth, and Divorce Mediation.
• Reisverzekering (Travel Insurance) Travel insurance available as short-term or annual policies with worldwide coverage, including 24/7 emergency assistance, standard winter sports and snorkeling coverage, and optional special sports coverage.
• Ongevallenverzekering (Accident Insurance) Accident insurance providing financial coverage for home modifications or costs following an accident resulting in death or disability.
• Arbeidsongeschiktheidsverzekering (Disability Insurance / AOV) Disability insurance for self-employed professionals protecting income against illness, workplace accidents, pregnancy/adoption leave, and burnout, with customizable coverage percentage (up to 80–90%), deductible period, and occupational disability assessment method.
• Bruiloftverzekering (Wedding Insurance) Wedding insurance covering unexpected costs such as postponement or cancellation due to illness or weather, torn wedding dress, damaged gifts, or knocked-over vases, starting from €100 with worldwide coverage.
• Gehoorapparaatverzekering (Hearing Aid Insurance) Hearing aid and cochlear implant insurance developed in partnership with Nationale-Nederlanden, offering worldwide all-risk coverage with no depreciation for the first 5 years after purchase for hearing devices including cochlear implants, BAHA, Vibrant, and Soundbridge.
• Huisdierenverzekering (Pet Insurance via Figo) Pet insurance offered through a Figo partnership covering dogs, cats, rabbits, and parrots, with standard most complete coverage in the Netherlands including preventive care, unlimited vet consultations, specialist treatments, surgery, medication, and alternative therapies.
• Zorgverzekering (Health Insurance) Health insurance coverage distributed through OpGroen's Dutch insurance intermediary platform.
• Overlijdensrisicoverzekering (Life Insurance) Life insurance providing financial protection for family in case of death.
• Cyberhulp (Cyber Assistance) Cyber assistance service available 24/7 through F-Secure partnership providing support for hacking, identity theft, and ransomware incidents, including access to the Cyberhulplijn, investigation cost reimbursement, system recovery costs, and third-party damage coverage.
• Hypotheken (Mortgage Advisory) Mortgage advisory services providing honest and independent advice, including a free initial consultation to review current and future housing needs.
• Pensioenen (Pension Planning) Pension planning services to help individuals prepare for retirement during their career.
• Mijn Geldzaken (Personal Financial Planning) Financial planning service for goals like early retirement, world travel, or spending more time with family.
• Inkomen en Verzuim (Income and Absenteeism Services) Income and absenteeism services for employers and employees.
• Private Clients (High-Net-Worth Insurance and Financial Services) Specialized insurance and financial services for high-net-worth individuals.

Named customers7 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Partnerships

Twelve partnerships are on record, tiered core and major.

• FigocoreStrategic or Co-development PartnerFigo is a pet insurance provider that partners with OpGroen to offer pet insurance products (for dogs, cats, rabbits, and parrots) to OpGroen customers. Figo was developed by veterinary experts and offers comprehensive pet health coverage. OpGroen customers receive exclusive discounts on Figo pet insurance through this partnership. The partnership provides OpGroen with a pet insurance product line, while Figo gains distribution through OpGroen's customer base and employer network.
• F-SecurecoreTechnology or IntegrationF-Secure provides cybersecurity expertise and the Cyberhulplijn (Cyber Help Line) service for OpGroen's cyber incident coverage included with the household contents insurance. F-Secure's specialists help OpGroen customers find solutions for cyber incidents such as hacking, identity theft, and ransomware. They also assist in contacting appropriate companies and authorities. F-Secure operates a knowledge portal referenced by OpGroen.
• Allianz Global AssistancecoreTechnology or IntegrationAllianz Global Assistance provides emergency roadside assistance and alarm center services for OpGroen's auto, moped, and camper insurance products. Allianz assists customers 24/7 in the Netherlands for vehicle breakdowns and handles emergency situations abroad. They also serve as the alarm center for Meeùs insurance customers.
• SOS InternationalcoreTechnology or IntegrationSOS International operates the SOS alarm center for OpGroen customers who need urgent assistance abroad due to breakdowns, accidents, or hospitalization. The alarm center is reachable 24/7 for OpGroen customers at +31 (0)88-810 81 84.
• ASR VerzekeringencoreTechnology or IntegrationASR is a primary insurer providing underlying insurance products distributed by OpGroen. ASR products available through OpGroen include caravan, household contents, and other personal insurance lines. ASR appears as the insurer on multiple OpGroen policy documents and insurance cards.
• ShellmajorChannel Partner/ Reseller/ DistributorShell is one of the major employer partners of OpGroen. Shell employees access collective insurance products through OpGroen's employer program, benefiting from favorable conditions and pricing.
• KLMmajorChannel Partner/ Reseller/ DistributorKLM is one of the major employer partners of OpGroen. KLM employees and crew access collective insurance offerings through OpGroen's employer partnership program.
• PhilipsmajorChannel Partner/ Reseller/ DistributorPhilips is an employer partner of OpGroen, offering its employees access to tailored insurance products through OpGroen's collective employer program.
• ASMLmajorChannel Partner/ Reseller/ DistributorASML is an employer partner of OpGroen, offering its employees access to tailored insurance products through OpGroen's collective employer program.
• BoskalismajorChannel Partner/ Reseller/ DistributorBoskalis is an employer partner of OpGroen, offering its employees access to group insurance products through OpGroen's collective employer program.
• HeinekenmajorChannel Partner/ Reseller/ DistributorHeineken is an employer partner of OpGroen, offering its employees access to group insurance products through OpGroen's collective employer program.
• PostNLmajorChannel Partner/ Reseller/ DistributorPostNL is an employer partner of OpGroen, offering its employees access to group insurance products through OpGroen's collective employer program.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Market position

Weaknesses5 records

Competitive moat4 records

Customer concentration

• Xx.com/OpGroenNL
• Facebookfacebook.com/OpGroen
• LinkedInlinkedin.com/company/opgroen

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 OpGroen