What Camperverzekerd does

Camperverzekerd is a Netherlands-based, privately-held insurance intermediary founded in 1998 and headquartered in Schagen, North Holland, that operates as a 100% specialist in camper (recreational vehicle) insurance. The company underwrites through a volmacht structure with multiple Dutch risk carriers and serves more than 30,000 RV owners across the Netherlands, offering three coverage tiers — WA (liability), WA + Beperkt Casco (limited comprehensive), and WA + Volledig Casco / Allrisk (full comprehensive) — plus add-on modules for annual travel insurance, Europa Pechhulp breakdown assistance covering roughly 40 European jurisdictions, and specialized lines for self-built, electric, and 25+ year oldtimer campers. Distinctive policy features include a 10-year new value regulation (unique in the Dutch market), a separated bonus-malus system where WA and Casco claims do not interact, and an up to 80% transferable no-claim discount.

The technology stack is a digital insurance platform consisting of a self-service premium calculation and application portal (available 24/7), a customer self-service policy portal branded as the Digitale Polismap, and a 24/7 NLP-based AI chatbot named Roadie that handles general product queries; the company discloses GDPR/AVG compliance, holds AFM license 12047157 and Kifid membership 300.017624, and integrates standard web analytics and search advertising tools (Google Analytics, Google Ads, Bing Ads). There is no public or partner-facing API, no proprietary underwriting model disclosed, and no evidence of in-house model development. Distribution is hybrid: a self-serve PLG funnel on the website, an inside sales team reachable Monday–Friday, and physical presence at CamperExpo and Camperbeurs Hardenberg trade shows; approved repair and appraisal partner networks deliver €0-deductible repairs and integrated valuation workflows.

The business model is subscription/recurring: customers pay annual, quarterly, or monthly premiums via direct debit, with assurance tax included and no policy or modification fees. Revenue is generated through commission on premiums ceded to underwriting partners, supplemented by ancillary fees such as the €150 camper appraisal service and the €1.82 per-period service fee. Pricing is tiered by coverage level, with discounts available for approved security systems (BearLock, Kiwa SCM/CCV Class 2+) and for transferring no-claim history from other motor vehicles; the firm operates from a single headquarters with 12–25 employees and is not venture-backed, having grown entirely organically over more than two decades.

Name

Camperverzekerd

Legal name

Camperverzekerd

Website

https://camperverzekerd.nl

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

11–50 employees

Short description

Camperverzekerd is a Netherlands-based, privately-held specialist insurance intermediary offering camper insurance across WA, limited-casco, and all-risk tiers to more than 30,000 Dutch RV owners, distributing through a self-serve digital platform, inside sales, and trade-show presence since 1998.

Ownership category

akta.pro rank

Headquarters

HQ city

Schagen

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Camper Insurance Premiums: Recurring annual insurance premiums collected via direct debit (monthly, quarterly, or annually). Camperverzekerd acts as an underwriting agent (volmacht) working with multiple large Dutch insurance companies (risicodragers). The company earns a share of premiums paid by customers.
2. Travel Insurance and Europa Pechhulp: Add-on continuous travel insurance with Europe breakdown assistance, repatriation, and replacement camper coverage sold as an optional module alongside the core camper insurance.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

Camperverzekerd is a Dutch specialist insurance intermediary (volmacht/underwriting agent) that sells camper-specific insurance products to individual camper owners in the Netherlands, working with multiple Dutch insurance risk carriers. Its core product is the Camperverzekering (Camper Insurance) available in three coverage tiers — WA (third-party liability), WA + Beperkt Casco (limited comprehensive), and WA + Volledig Casco/Allrisk (full comprehensive). The offering is extended with add-on modules including continuous annual travel insurance and Europe breakdown assistance with repatriation and replacement camper coverage.

Product overview

Camperverzekerd is a specialized Dutch camper insurance broker offering a comprehensive product portfolio centered on camper insurance. The core product is the Camperverzekering (Camper Insurance) available in three tiers: WA (liability), WA + Beperkt Casco (limited casco), and WA + Volledig Casco/Allrisk (full casco). The company differentiates through unique features including a 10-year new value guarantee, separated no-claim protection system, and free limited no-claim protection. Add-on modules include annual travel insurance (Doorlopende Reisverzekering) with Europe breakdown assistance, repatriation, and replacement camper coverage. The portfolio extends to specialized insurance for oldtimer campers (25+ years), DIY/self-built campers, and electric campers. All customers access a self-service Digitale Polismap portal for policy management, claims reporting, and document access. The company operates as an independent broker (volmacht) working with multiple Dutch insurance companies and has over 20 years of experience serving 30,000+ camper owners.

Differentiator

Problem solved

Functional benefit

Products and services

• Camperverzekering (Camper Insurance) Main camper insurance product offering three coverage tiers: WA (liability only), WA + Beperkt Casco (limited casco), and WA + Volledig Casco/Allrisk (full casco). Covers damage to third parties, theft, fire, vandalism, natural disasters, and includes features like no-claim protection and legal assistance. For Dutch camper owners.
• Doorlopende Reisverzekering (Annual Travel Insurance) Annual travel insurance that can be combined with camper insurance. Covers medical expenses, trip cancellations, baggage loss, and provides peace of mind while traveling in Europe or internationally. For Dutch travelers.
• Europa Pechhulp, Repatriëring & Vervangende Camper (Europe Breakdown Assistance) Europe breakdown assistance module covering roadside help, repatriation of camper and passengers, and replacement camper rental. Included in the annual travel insurance or available as a standalone module. Age limit: camper not older than 15 years at inception.
• Oldtimer Camperverzekering (Classic Camper Insurance) Specialized insurance for classic/oldtimer campers (25+ years). No mandatory appraisal or inspection required for WA and WA + Beperkt Casco coverage. Accepts no-claim discounts from other vehicles. For owners of classic campers seeking affordable coverage.
• Zelfbouw Camperverzekering (DIY/Self-Built Camper Insurance) Insurance for self-built or converted campers that have been RDW-approved as camper vehicles. Appraisal required for casco coverage. Offers 5-year purchase value guarantee or 5-year appraisal value guarantee. For DIY van-conversion owners in the Netherlands.
• Elektrische Camper Verzekering (Electric Camper Insurance) Specialized insurance for electric campers (e-campers). Same terms as standard camper insurance with additional sustainability focus. For Dutch owners of electric camper vehicles.
• Digitale Polismap (Digital Policy Folder / Self-Service Portal) Self-service online portal where customers manage policies, view/download green cards, report claims, make changes, and access insurance documents. Available 24/7, accessible on mobile devices. For all Camperverzekerd policyholders.

Quantifiable outcome

• Up to 80% no-claim discount available from the start for eligible customers
• +5 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability2 records

Feature5 records

Partnerships

13 partnerships are on record, tiered minor and core.

• Campertaxaties.nlminorImplementation/ SI/ Consulting PartnerApproved third-party appraisal bureau for camper valuation. Appraisal reports from Campertaxaties.nl are directly accepted for insurance purposes.
• Campertaxeren.nlminorImplementation/ SI/ Consulting PartnerApproved third-party appraisal bureau for camper valuation. Appraisal reports are directly accepted.
• CCEminorImplementation/ SI/ Consulting PartnerApproved third-party appraisal/expertise bureau. CCE appraisal reports are directly accepted.
• CEDminorImplementation/ SI/ Consulting PartnerApproved third-party appraisal/expertise bureau. CED appraisal reports are directly accepted.
• EuroExpertiseminorImplementation/ SI/ Consulting PartnerApproved third-party appraisal/expertise bureau. EuroExpertise appraisal reports are directly accepted.
• Oldenhuis Taxatie en ExpertisebureauminorImplementation/ SI/ Consulting PartnerApproved third-party appraisal/expertise bureau. Oldenhuis appraisal reports are directly accepted.
• Nobel ExpertiseminorImplementation/ SI/ Consulting PartnerApproved third-party appraisal/expertise bureau. Nobel Expertise appraisal reports are directly accepted.
• Expertise & Taxatie ZuidminorImplementation/ SI/ Consulting PartnerApproved third-party appraisal/expertise bureau. Expertise & Taxatie Zuid appraisal reports are directly accepted.
• Taxatie en Expertisebureau Hugo van OosterwijkminorImplementation/ SI/ Consulting PartnerApproved third-party appraisal/expertise bureau. Reports from this bureau are directly accepted.
• GlasgarantminorChannel Partner/ Reseller/ DistributorGlass repair network partner. Camperverzekerd works with Glasgarant-affiliated glass repair shops. Glass replacement via Glasgarant partners costs €75 own risk (vs. €300 at non-partner shops).
• Multiple Dutch Insurance Companies (Risicodragers)coreOthersCamperverzekerd Assuradeuren operates as an underwriting agent (volmacht) working with several large Dutch insurance companies that carry the actual insurance risk. These partners are referred to as 'risicodragers' (risk carriers) and Camperverzekerd acts as their authorized representative.
• Schadeherstellers (Damage Repair Companies)coreImplementation/ SI/ Consulting PartnerNetwork of approved damage repair companies. Using Camperverzekerd's network of approved repairers results in zero own risk for the customer. A dedicated page on the website lists approved repairers.
• CamperhostminorStrategic or Co-development PartnerPreferred partner for pre-purchase inspections (aankoopkeuring) of campers, including moisture measurement. Camperverzekerd offers €30 discount on Camperhost inspections for customers who subsequently take out insurance with Camperverzekerd.

Scale indicators5 records

Expansion highlights6 records

Broad incumbents

• a.s.r. Nederland: a.s.r. is one of the largest Dutch insurance groups, offering broad motor and personal lines including camper insurance; it competes across product breadth and bundling rather than camper-specific specialization.
• Allianz Nederland: Allianz is a global insurance carrier with a Dutch subsidiary offering camper insurance within a broad multi-line portfolio, competing on global brand and scale rather than camper specialization.
• Nationale-Nederlanden: Nationale-Nederlanden is a major Dutch insurer (part of NN Group) offering motor and personal insurance products including camper coverage, competing primarily through scale and product breadth rather than niche specialization.

Direct peers

• Univé: Univé is a Dutch cooperative insurer offering camper insurance as part of its general motor and property portfolio, competing in the same Dutch retail camper-insurance market as Camperverzekerd.
• FBTO: FBTO is Achmea's online-only insurance brand, offering a camper insurance product with self-service digital quoting similar to Camperverzekerd's online premium calculator, targeting the same Dutch consumer segment.
• Klaverblad Verzekeringen: Klaverblad is a Dutch mutual insurer offering motor and recreational vehicle insurance including camper coverage, competing in the same Dutch retail market with a similar mid-market positioning.
• ANWB: ANWB is the largest Dutch mobility and insurance organization and offers camper insurance as part of its motor portfolio, directly competing with Camperverzekerd for the same Dutch camper-owner customer base.
• Unigarant: Unigarant, an ANWB-affiliated motor specialist insurer, offers camper insurance with comparable product structure and is named as a direct competitor to Camperverzekerd on insured value caps and policy terms.
• Centraal Beheer: Centraal Beheer (part of Achmea) is a major Dutch direct insurer offering camper insurance, named explicitly as a competitor with a lower maximum insured value cap (€75,000) than Camperverzekerd.

Others

• Independer: Independer is a leading Dutch insurance comparison platform that aggregates camper insurance offerings from multiple providers; it functions as a distribution channel that can either amplify or commoditize Camperverzekerd's lead flow.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/camperverzekerd

Compliance5 records

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 Camperverzekerd