FBTO
Dutch direct insurer offering car, travel, home, health, and liability insurance fully online
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Rating breakdown
Pros
- Well-known Dutch direct insurer — part of Achmea group
- Fully online self-service with chat and WhatsApp support 24/7
- Customizable policies — choose only what you need
- Wide range of insurance products
Cons
- Dutch only — no English interface
- Netherlands market only
- Direct insurer — no personal advisor
- Pricing not transparent on website — requires quote
Platform & features
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Key features
Availability
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Last verified: 23 March 2026. Data confidence: high. Full risk disclaimer