Mercedes-Benz Insurance Services

What Mercedes-Benz Insurance Services does

Mercedes-Benz Insurance Services Nederland B.V. is a Dutch motor vehicle insurance provider operating as a wholly-owned captive subsidiary of Mercedes-Benz Mobility, itself part of Mercedes-Benz Group AG. Headquartered in Nieuwegein with a staff of around 7, the company distributes and services motor insurance products exclusively for the Dutch market, channeled primarily through the Mercedes-Benz dealer network with secondary phone and self-service digital routes. Its portfolio spans branded Mercedes-Benz and smart policies plus a parallel "Ster" (Daimler) line covering other passenger car, van, classic car, truck, and taxi owners, alongside extended warranty products (WarrantyExtension, ExtendedWarranty). Underwriting and risk-bearing are handled through affiliated Mercedes-Benz Assuradeuren B.V., which acts as a gevolmachtigd agent on behalf of multiple insurance companies and is a member of the Dutch association of authorized agents (NVGA).

The company's technology stack is centered on the CustomerFocus self-service portal, which supports online premium calculation (using license-plate, mileage, claim-free years, and postal-code inputs), policy management, claims reporting and tracking, green-card requests, and a "premium recalculation" tool that simulates the premium impact of a claim before filing. Claims handling is operationalized through the Repair and Reconnect certified dealer network, which performs collision repairs with original Mercedes-Benz parts and recalibrates onboard sensors and cameras using OEM diagnostic equipment, underwritten by a 4-year repair warranty. Data inputs include Stichting CIS for centralized claim-history and fraud management, and BKR for credit registration as part of Dutch duty-of-care obligations.

Revenue is generated on a recurring subscription basis through monthly or annual motor insurance premiums across three coverage tiers (WA third-party liability, WA-beperkt casco limited comprehensive, and WA-volledig casco all-risk), plus multi-year extended warranty contracts. Distribution combines dealer-embedded sales, a direct advisory phone team for taxi and fleet accounts, and a digital self-service portal for individual policyholders. The company reports a customer satisfaction score of 8.1 out of 10 from periodic research by Newcom. Financials are not publicly disclosed; as a private B.V. within the Daimler/Mercedes-Benz group, the entity is funded through group capital rather than external investment.

Name

Mercedes-Benz Insurance Services

Legal name

Mercedes-Benz Insurance Services Nederland B.V.

Website

https://mercedes-benz-insuranceservices.nl

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Mercedes-Benz Insurance Services Nederland B.V. is a Dutch captive motor vehicle insurer and gevolmachtigd agent, distributing Mercedes-Benz, smart, and Ster-branded car, van, truck, taxi, and classic-vehicle policies plus extended warranties through the Mercedes-Benz dealer network and the CustomerFocus digital portal, serving Dutch vehicle owners.

Ownership category

akta.pro rank

Product category

Motor Vehicle Insurance

NAICS

Insurance Agencies and Brokerages (524210), Other Insurance Related Activities (52429)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Auto & Fleet Insurance (FSAJAMAB)

akta.pro secondary industries

Public Auto / Livery (Taxi, Rideshare, Shuttle) (FSAJABAH), Dealer-Sold & F&I Administered Service Contracts (Dealer Obligors) (FSAJALAD), Vehicle Protection & Add-on Product Financing (Warranties, GAP, Service Plans) (FSAKADAL)

Keywords

• Motor vehicle insurance
• Commercial van insurance
• Classic car insurance
• Extended warranty products
• Taxi insurance

Headquarters

HQ city

Nieuwegein

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Motor Vehicle Insurance Premiums: The company generates revenue through the sale of motor vehicle insurance policies. Customers pay recurring premiums on a monthly or annual basis. The company operates as a gevolmachtigd agent (appointed agent) for Mercedes-Benz Assuradeuren B.V., underwriting various insurance companies' motor vehicle insurance products including passenger car, van, truck, taxi, and classic car insurance.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Mercedes-Benz Insurance Services Nederland B.V. is a captive motor vehicle insurance provider operating in the Netherlands. It sells branded insurance policies (Mercedes-Benz, smart/Ster lines) for passenger cars, commercial vans, trucks, taxis, and classic/oldtimer vehicles, along with extended warranty products, distributed primarily through the Mercedes-Benz dealer network. The company operates as a gevolmachtigd agent (appointed agent) for Mercedes-Benz Assuradeuren B.V., underwriting motor vehicle insurance on behalf of multiple insurance companies.

Product overview

Mercedes-Benz Insurance Services is a Dutch motor vehicle insurance provider and part of Mercedes-Benz Mobility, offering a multi-product portfolio of branded insurance policies and extended warranty products. The core portfolio consists of vehicle-specific insurance products across two branded lines: Mercedes-Benz/Ster (Daimler) branded policies covering passenger cars, vans, trucks, taxis, and classic cars, with Ster (Daimler) serving non-Mercedes-Benz brands. The product lineup spans seven vehicle categories (autos, bestelwagens, trucks, taxis, oldtimers, and extended warranties), with each category offering three-tier coverage options (WA, WA-beperkt casco, WA-casco). Supplementary add-on modules provide additional protections including no-claim guarantees, replacement transport, legal assistance, passenger accident coverage, tool insurance, and driver coverage. A digital self-service portal (CustomerFocus) and a certified repair network (Repair & Reconnect) support the insurance products.

Differentiator

Problem solved

Functional benefit

Products and services

• Mercedes-Benz Autoverzekering

Quantifiable outcome

• Customer satisfaction rating of 8.1 out of 10
• +5 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Mercedes-Benz Assuradeuren B.V.coreChannel Partner/ Reseller/ DistributorMercedes-Benz Assuradeuren B.V. is a gevolmachtigd agent (appointed agent/underwriting agent) acting on behalf of multiple insurance companies. It is authorized to accept insurance applications, issue policies, and handle claims independently on behalf of these insurers. Mercedes-Benz Insurance Services works primarily with this partner for its insurance products, leveraging the short lines, fast and accurate processing, and customization capabilities. Mercedes-Benz Insurance Services is a member of NVGA (Nederlandse Vereniging van Gevolmachtigde Assurantiebedrijven) through this entity.
• Mercedes-Benz Dealer NetworkcoreChannel Partner/ Reseller/ DistributorAuthorized Mercedes-Benz dealers across the Netherlands serve as the primary distribution and service channel for insurance products. Dealers provide sales advice, handle claims administration, and perform vehicle repairs using original parts. The dealer network also provides access to over 1,800 workshops across Europe for truck insurance customers.
• Stichting Mercedes-Benz Automobiel ClubminorStrategic or Co-development PartnerFor the Zilverster oldtimer insurance product, repairs can also be performed by certified appraisers designated by the Stichting Mercedes-Benz Automobiel Club, in addition to official Mercedes-Benz dealers.
• Newcom ResearchminorOthersIndependent market research company commissioned by Mercedes-Benz Insurance Services to conduct periodic customer satisfaction surveys among policyholders.
• Mercedes-Benz Group AGcoreOthersParent company (formerly Daimler AG). Mercedes-Benz Insurance Services is part of Daimler Mobility AG, which is a subsidiary of Mercedes-Benz Group AG. The ultimate parent company provides brand licensing, product frameworks, and group-wide data protection policies.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• NN Group: Major Dutch insurance carrier (formerly part of ING) offering Nationale-Nederlanden motor insurance products. Significant competitor in the Dutch motor insurance market where MBIS operates.
• a.s.r. Nederland: Large Dutch insurance carrier offering motor and other P&C insurance products. Provides competitive pricing benchmarks for the Dutch motor insurance market in which MBIS participates.
• Achmea: Largest Dutch insurance group offering Centraal Beheer and Interpolis motor insurance products directly to consumers. Broad incumbent competitor in the Dutch motor insurance market that MBIS competes against for non-captive customers.

Direct peers

• Toyota Insurance Management: Captive insurance operation for Toyota and Lexus vehicles, distributing brand-tied motor insurance through authorized dealers in European markets. Comparable OEM-affiliated captive insurance structure.
• Volkswagen Financial Services (Audi/Volkswagen Insurance): Captive financial services and insurance operations for Volkswagen, Audi, SEAT, and Škoda brands across Europe, distributing brand-tied motor insurance through authorized dealers. Closely parallel structure to MBIS in the Dutch market.
• Tesla Insurance: OEM-direct insurance product offering real-time telematics-based pricing for Tesla owners in markets where licensed. Represents a more technologically advanced, direct-to-consumer variant of the brand-tied insurance model MBIS uses.
• Porsche Financial Services / Porsche Insurance: Captive insurance arm of Porsche offering brand-tied motor insurance via Porsche dealer networks in select European markets. Highly comparable premium positioning, dealer-distribution model, and customer profile.
• Volvo Car Insurance: Captive insurance offering for Volvo vehicles distributed via Volvo dealer networks in Europe. Comparable premium positioning, dealer-channel distribution, and OEM-affiliated captive structure.
• BMW Financial Services (BMW Insurance): Operates the captive motor insurance program for BMW and MINI vehicles in the Netherlands and other European markets, distributed through authorized BMW dealers using a comparable appointed-agent structure. Closely mirrors MBIS's dealer-distributed, brand-tied insurance model.

Emerging players

• Independer: Dutch insurance comparison platform that aggregates motor insurance offerings from multiple carriers. Represents a digital distribution channel that competes with MBIS's dealer-channel acquisition model for price-sensitive Dutch consumers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/mercedes-benz-insurance-services

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 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 Mercedes-Benz Insurance Services