Europeesche

What Europeesche does

Europeesche is positioned within the source material as part of a.s.r., a major Dutch insurance group headquartered in Utrecht, Netherlands, operating the "Ik kies zelf van a.s.r." self-service digital insurance platform. The platform enables Dutch consumers to independently purchase, manage, modify, and file claims for a broad portfolio of personal insurance products online without advisor involvement — spanning health, car, home contents, residential building, liability, continuous and short-trip travel, cancellation, legal expenses, accident, pet, and funeral insurance, plus life risk, mortgage, pension, and investment services. A traditional advisor-supported channel is maintained alongside the self-service platform for customers who prefer personalized guidance.

The underlying technology is a web-based self-service policy management and claims platform with digital workflows for address changes, premium calculation, declarations submission, and reimbursement search. Distribution is dual-channel: the digital "Ik kies zelf" platform serves DIY consumers and a field advisor channel serves enterprise and complex-needs customers. Marketing is digital-first, anchored on asr.nl with thematic content (sustainability, vitality, financial guidance) supporting top-of-funnel acquisition.

Revenue is generated through recurring insurance premium collection across the multi-line product portfolio, with sustainable investment of premiums cited as part of the value proposition. Pricing is individualized per product, coverage level, and customer risk profile, with monthly billing cadence and quotes delivered via the online platform or advisor. The brand explicitly self-positions as "the more sustainable insurer" (de duurzamere verzekeraar) and bundles wellness engagement through the a.s.r. Vitality add-on program.

Name

Europeesche

Website

https://europeesche.nl

Company type

Private

Founded year

1920

Operating status

Operating

Headcount range

51–100 employees

Short description

Europeesche operates within a.s.r.'s "Ik kies zelf" self-service digital insurance platform in the Netherlands, offering Dutch consumers an online portal to purchase and manage personal insurance across health, auto, home, travel, legal, pet, funeral, life, mortgage, and pension lines, with optional advisor support.

Ownership category

akta.pro rank

Product category

Personal Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114), Direct Life Insurance Carriers (524113)

SIC

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

akta.pro primary industry

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)

akta.pro secondary industries

Simplified Issue Whole Life / UL Insurance (FSAIABAH), Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)

Keywords

• Personal insurance products
• Health insurance coverage
• Travel insurance policies
• Home contents insurance
• Self-service insurance platform

Headquarters

HQ city

Utrecht

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums - Multiple Lines: Revenue generated from collecting insurance premiums across multiple product lines including health, auto, home contents, travel, pet, legal aid, and funeral insurance. Premiums collected and invested sustainably.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels2 records

Core offering

Europeesche delivers a comprehensive suite of personal insurance products—health, car, home contents, home building, liability, annual and short-trip travel, cancellation, legal expenses, accident, pet, and funeral insurance—alongside related financial products (death risk cover, pension, investing, mortgages) and a vitality wellness program. Customers purchase policies and manage servicing tasks (claims, address changes, premium calculations) independently through the online "Ik kies zelf" self-service platform, with the option of advisor support.

Product overview

Ik kies zelf van a.s.r. is a self-service insurance platform offering a comprehensive portfolio of insurance and financial products. The platform provides core insurance products including health insurance (Zorgverzekering), car insurance (Autoverzekering), home contents insurance (Inboedelverzekering), home insurance (Woonhuisverzekering), liability insurance (Aansprakelijkheidsverzekering), annual and short-trip travel insurance (Doorlopende/Kortlopende Reisverzekering), cancellation insurance, legal expenses insurance, accident insurance, pet insurance, and funeral insurance (Uitvaartverzekering via Ardanta). Additional financial services include death risk insurance (Overlijdensrisicoverzekering), mortgages (Hypotheek), pension products (Pensioen), investment services (Beleggen), and the a.s.r. Vitality wellness program. Customers manage all policies independently through the online platform without requiring an advisor.

Differentiator

Problem solved

Functional benefit

Products and services

• Zorgverzekering (Health Insurance) Health insurance coverage for individuals including basic insurance (basisverzekering), supplementary insurance (aanvullende verzekering), dental insurance (tandartsverzekering), and collective health insurance via employer. Customers can search for reimbursements, submit claims, and find healthcare providers.
• Autoverzekering (Car Insurance) Vehicle insurance providing coverage for cars, available through the self-service platform.
• Inboedelverzekering (Contents Insurance) Insurance covering personal belongings within the residence, available through the self-service platform.
• Woonhuisverzekering (Home Insurance) Residential building insurance covering the physical structure of the home.
• Aansprakelijkheidsverzekering (Liability Insurance) Personal liability insurance covering legal obligations to third parties.
• Doorlopende Reisverzekering (Annual Travel Insurance) Continuous travel insurance providing coverage for multiple trips throughout the year.
• Kortlopende Reisverzekering (Short-Trip Travel Insurance) Short-term travel insurance providing coverage for individual trips.
• Kortlopende Annuleringsverzekering (Cancellation Insurance) Cancellation insurance covering trip cancellations for short-term travel.
• Rechtsbijstandverzekering (Legal Expenses Insurance) Legal expenses insurance providing coverage for legal costs and representation.
• Ongevallenverzekering (Accident Insurance) Personal accident insurance providing benefits in case of accidental injury or death.
• Huisdierenverzekering (Pet Insurance) Insurance coverage for household pets.
• Uitvaartverzekering (Funeral Insurance) Funeral insurance managed by Ardanta (a.s.r.), covering funeral costs and arrangements.
• Overlijdensrisicoverzekering (Death Risk Insurance) Life risk insurance providing a payout in case of death during the policy term.
• Pensioen (Pension) Pension products allowing customers to build extra pension, manage retirement, and view payment schedules.
• Beleggen (Investing) Investment services including starting to invest, pension-focused investing, and goal-oriented investing.
• Hypotheek (Mortgage) Mortgage products including standard mortgages (ASR Hypotheek), starter mortgages (Startershypotheek), sustainability mortgages (Verduurzamingshypotheek), and life annuity mortgages (Levensrente hypotheek).

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Emerging players

• Pricewise: Dutch price comparison site for insurance, energy, and financial products. Competes for the same Dutch consumer attention at top-of-funnel and exerts margin pressure on direct insurers.
• Independer: Leading Dutch insurance comparison platform that aggregates offerings from multiple carriers. Represents the structural price-comparison disruption threatening direct-to-consumer insurers like Europeesche.

Direct peers

• VGZ: Large Dutch health insurer offering basic and supplementary zorgverzekering directly to consumers. Direct competitor on the platform's most prominent product line (Zorgverzekering).
• Achmea: Largest Dutch insurance group (parent of Centraal Beheer, Interpolis, FBTO, Zilveren Kruis). Directly comparable multi-line personal insurance provider in the Netherlands with both direct and advisor channels.
• Ohra: Direct-to-consumer Dutch insurer offering health, auto, home, liability, and travel insurance online — closest direct comparable in distribution model and target customer.
• NN Group: Major Dutch insurance group offering life, health, and non-life insurance to Dutch consumers. Nationale-Nederlanden brand competes head-to-head across a.s.r.'s product portfolio including bank-savings and investment products.
• Univé: Dutch cooperative multi-line insurer offering health, auto, home, liability, and travel insurance through both direct and advisor channels — overlapping product portfolio with a strong regional footprint.
• CZ: Top-three Dutch health insurance provider, competing directly with a.s.r.'s Zorgverzekering offering and increasingly distributing online/self-service to Dutch consumers.
• Menzis: Major Dutch health insurance provider also offering supplementary personal insurance products. Competes directly in the Dutch consumer health and accident insurance segments.

Broad incumbents

• Aegon (NL): Large Dutch insurance and pension provider; a.s.r. has been absorbing parts of Aegon's Dutch life and mortgage book. Comparable in life insurance, mortgage, and pension offerings even during transition.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/europeesche
• Facebookfacebook.com/europeescheverzekeringen
• LinkedInlinkedin.com/company/europeesche-verzekeringen

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 Europeesche