Autoverzekering.nl

What Autoverzekering.nl does

Autoverzekering.nl is a Dutch online auto insurance comparison platform operated by Overstappen.nl B.V., a private limited company founded in 2002 and registered with the Autoriteit Financiële Markten (AFM) under WFT license number 12012535. The platform aggregates real-time quotes from approximately 20 Dutch insurers — including Allianz Direct, ING, ABN AMRO, a.s.r., Centraal Beheer, OHRA, and FBTO — using a five-step comparison flow that retrieves vehicle specifications from the Dutch RDW (Rijksdienst voor het Wegverkeer) via license-plate lookup and verifies claims-free years against the Roy-data database managed by SEPS. Customers input kenteken (license plate), postcode, date of birth, and coverage preferences and receive personalized premium quotes for three base coverage tiers — WA (third-party liability), WA beperkt casco (limited comprehensive), and All risk (full comprehensive) — with optional add-ons including roadside assistance (Pechhulp), legal aid (Rechtsbijstand), passenger injury (SVI), and no-claims protection.

The service is offered free of charge to consumers; revenue is generated entirely through affiliate referral commissions paid by insurance providers when policies are purchased or renewed via the platform. The company targets Dutch car owners as its primary segment, with secondary focus on young drivers (18-24) facing elevated premiums and small-business / commercial-vehicle owners. Customer acquisition is digital-first and product-led: SEO-optimized editorial content, original proprietary research published through the Datamonitor sub-brand, earned media coverage in Dutch national outlets (Nu.nl, De Telegraaf, AD), and paid acquisition via Microsoft Advertising. The platform maintains a 4.7/5 Trustpilot score across 3,033 reviews and claims average annual savings of €290 per switching customer. Two insurance experts — Jerry Poel (since 2017) and Jean-Paul Würsten (since 2023) — function as media-facing spokespeople and content leads. The business is privately held with no disclosed external funding, no parent company beyond the Overstappen.nl B.V. holding structure, and no international expansion beyond the Dutch market.

Name

Autoverzekering.nl

Legal name

Overstappen.nl B.V.

Website

https://autoverzekering.nl

Company type

Private

Founded year

2002

Operating status

Operating

Short description

Autoverzekering.nl is a Dutch online car insurance comparison platform operated by Overstappen.nl B.V., aggregating quotes from approximately 20 insurers for Dutch consumers via a free, self-serve website that monetizes through affiliate referral commissions.

Ownership category

akta.pro rank

Product category

Insurance Comparison Marketplace

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Auto & Fleet Insurance (FSAJAMAB)

Keywords

• Insurance comparison platform
• Auto insurance aggregator
• Car insurance marketplace
• Insurance lead generation
• Vehicle insurance comparison

Headquarters

HQ city

Amsterdam

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

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

Revenue model

1. Insurance provider commissions: Autoverzekering.nl earns commissions from insurance providers when customers purchase policies through their platform. Commissions can be one-time per acquisition or ongoing/recurring depending on the specific agreement with each insurer. This is the primary revenue stream and the service remains free for consumers.
2. Comparison service fees: Revenue derived from referral fees paid by insurance companies for directing customers to their products. The company states they are dependent on these vergoedingen (compensation) from auto insurers.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Autoverzekering.nl operates a free online comparison platform that lets Dutch car owners compare auto insurance quotes from approximately 20 insurers in a 5-step process using license plate, postcode, date of birth, and claims history. The platform retrieves vehicle specifications from the RDW and Roy-data to calculate personalized premiums, then enables customers to purchase a policy directly through the site or via redirect to the insurer. Complementary services include a free cancellation service, free accidental death coverage, and the Datamonitor premium trend tracker.

Product overview

Autoverzekering.nl operates as a car insurance comparison platform powered by Overstappen.nl, offering a comprehensive comparison tool that aggregates approximately 20 Dutch car insurers. The core offering is the comparison engine, which presents quotes for three base coverage types: WA (third-party liability), WA beperkt casco (limited comprehensive), and All risk (full comprehensive). Users can filter results by price, policy score, and deductible. The platform monetizes through referral commissions from insurers and offers several complementary services including free roadside accident coverage, a free cancellation service for policy switching, and premium trend monitoring via the Datamonitor. The platform also provides supplementary insurance add-ons (Pechhulp, Rechtsbijstand, SVI, No-claimbeschermer) and special arrangements (Nieuwwaarderegeling, Aanschafwaarderegeling, Accessoiredekking) that users can add to their base policy.

Differentiator

Problem solved

Functional benefit

Products and services

• Autoverzekering vergelijker (Car Insurance Comparison Tool) Online comparison tool that delivers personalized car insurance quotes from approximately 20 Dutch insurers based on license plate, postcode, date of birth, claims history, and desired coverage level. Users can sort by price or policy score and purchase directly through the platform or via redirect to the insurer.
• Goedkoopste autoverzekering (Cheapest Car Insurance Comparison) Dedicated comparison flow for Dutch car owners seeking the lowest auto insurance premiums available across the partner insurer portfolio.
• Autoverzekering voor jongeren (Young Driver Insurance Comparison) Specialized comparison service for young Dutch drivers (18-24), a high-risk demographic that can pay up to 249% more than drivers in their sixties, helping them find affordable coverage and first-time buyer policies.
• Zakelijke autoverzekering (Commercial Vehicle Insurance Comparison) Comparison service for businesses and self-employed individuals seeking commercial auto and bestelautoverzekering (van) insurance coverage.
• Datamonitor (Premium Monitor) Tracks and displays monthly average premium developments across WA, WA beperkt casco, and All Risk coverage based on market data and customer information, providing transparency on auto insurance pricing trends.
• Gratis opzegservice (Free Cancellation Service) Complimentary service that cancels the policyholder's previous insurance when switching through the platform, saving time and effort for the customer.
• Gratis ongevallendekking (Free Accident Coverage) Free accidental death coverage offered with every car insurance policy purchased through the platform, paying a one-time benefit of up to €2,500 upon death resulting from an accident. Valid for 1 year, globally applicable, for policyholders aged 18-75.
• Aanvullende autoverzekeringen (Supplementary Auto Insurance) Supplementary insurance add-ons available to attach to a base auto insurance policy, including roadside assistance (Pechhulp, from ~€9.32/month), legal aid (Rechtsbijstand, ~€3.57/month), passenger injury insurance (SVI, ~€6.57/month), no-claims protector, new value protection, purchase value protection, and accessory coverage.\\\\

Quantifiable outcome

• Average annual savings of €290 per customer who switches through the platform
• +1 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

18 partnerships are on record, tiered core and minor.

• a.s.r.coreOthersMajor Dutch insurance provider featured in the comparison platform offering standard auto insurance products.
• Allianz DirectcoreOthersDirect-to-consumer insurance brand, ranked as best WA insurance provider in Autoverzekering.nl's 2025 study.
• INGcoreOthersMajor Dutch bank offering auto insurance, ranked as best All-risk insurance provider in 2025 study.
• OHRAcoreOthersDirect insurer brand included in the comparison platform.
• Centraal BeheercoreOthersMajor Dutch insurer with auto insurance products featured in the comparison.
• FBTOcoreOthersDutch insurer brand included in the comparison platform.
• ABN AMROcoreOthersMajor Dutch bank with auto insurance products, ranked as best WA+ insurance provider in 2025 study.
• Nationale-NederlandenminorOthersDutch insurance company included in the comparison portfolio.
• KlaverbladminorOthersDutch insurance company included in the comparison portfolio.
• RhionminorOthersInsurance provider included in the comparison portfolio.
• LancyrminorOthersInsurance provider included in the comparison portfolio.
• Avéro AchmeaminorOthersInsurance brand under Achmea group included in comparison.
• DutchInsuranceminorOthersInsurance provider included in the comparison portfolio.
• Volkswagen Financial ServicesminorOthersOEM captive insurance brand for Volkswagen vehicles included in comparison.
• Audi Financial ServicesminorOthersOEM captive insurance brand for Audi vehicles included in comparison.
• SEAT Financial ServicesminorOthersOEM captive insurance brand for SEAT vehicles included in comparison.
• Škoda Financial ServicesminorOthersOEM captive insurance brand for Škoda vehicles included in comparison.
• RDW (Rijksdienst voor het Wegverkeer)coreTechnology or IntegrationDutch vehicle authority whose data is accessed via license plate lookup to retrieve vehicle specifications for premium calculations.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Geld.nl: Dutch financial services comparison platform covering insurance, mortgages, and other financial products. Comparable business model focused on multi-carrier insurance comparison in the Netherlands.
• Pricewise: Major Dutch financial comparison platform covering insurance, energy, and telecom. Directly comparable as a multi-carrier insurance aggregator using affiliate commission economics in the same Dutch market.
• Verzekering.nl: Dutch insurance comparison site offering multi-carrier quotes across multiple insurance lines including auto. Directly comparable aggregator with similar commission-based monetization.
• Independer.nl: Largest Dutch insurance comparison platform, also operated under Overstappen.nl B.V. parent structure, directly competing in the same auto insurance comparison category with similar insurer aggregation and commission-based revenue model.
• United Consumers: Dutch collective purchasing organization offering auto insurance among other financial products. Comparable as an alternative aggregation channel competing for the same Dutch consumer.

Regional players

• Check24 (Germany): Germany's largest comparison portal covering insurance, travel, energy, and finance. Comparable as a mature European multi-vertical comparison platform demonstrating cross-category expansion potential.
• Compare the Market (UK): Leading UK insurance comparison platform owned by BGL Group. Comparable international peer demonstrating scaled aggregator business model in a different geography, useful for benchmarking mature market dynamics.
• LeLynx (France): French insurance comparison aggregator with multi-carrier auto insurance comparison. Comparable European peer operating under similar affiliate commission dynamics in a different national market.

Broad incumbents

• Overstappen.nl: Parent platform of Autoverzekering.nl, also operating under Overstappen.nl B.V. Provides broader switching services across energy, telecom, and insurance verticals. Closely related corporate sibling with overlapping management and infrastructure.

Emerging players

• Allianz Direct: Direct-to-consumer auto insurer that is both a partner within the comparison and a potential disintermediation threat. Listed as best WA provider in 2025 study, illustrating the dual partner/competitor dynamic in the Dutch market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/autoverzekeringnl
• LinkedInnl.linkedin.com/company/autoverzekering-nl

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Autoverzekering.nl