FBTO review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

FBTO is a Dutch insurer built for expats and self-employed people who want one place for health, car, home, travel, motorbike and life cover, paid monthly at a premium from €148.75 a year. It suits households that value a single provider and digital claims over the lowest starting price.

Key facts

Best for
Expats and self-employed people wanting personal cover from one Dutch insurer, paid monthly.
Premium from
€148.75 (Source, checked September 26, 2026)
Insurance types
Health, Auto, Travel, Home, Motorcycle, Life (Source, checked September 26, 2026)
Provider type
Insurer (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Excess from
€200 (Source, checked September 26, 2026)
Cover limit
EUR 250 per year for the Tand Basis dental module, 75% reimbursed (Source, checked September 26, 2026)
Claims channels
Online, App, Phone, Chat, Whatsapp (Source, checked September 26, 2026)
Legal entity
Achmea B.V. (Source, checked September 26, 2026)
Headquarters
Netherlands (Source, checked September 26, 2026)
Founded
1956 (Source, checked September 26, 2026)
Support channels
Chat, Phone, Help-centre (Source, checked September 26, 2026)
Audience
Expats
Pricing model
Monthly
Official website
fbto.nl

Business insurance

Provider type
Insurer (Source, checked September 26, 2026)
Premium from
€148.75 (Source, checked September 26, 2026)
Excess from
€200 (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Industries
self-employed (zzp), home office (Source, checked September 26, 2026)
Legal entity
Achmea B.V. (Source, checked September 26, 2026)
Headquarters
Netherlands (Source, checked September 26, 2026)
Founded
1956 (Source, checked September 26, 2026)
Support channels
Chat, Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
WikidataLinkedInX

Pros and cons

Pros

  • Health, auto, travel, home, motorcycle and life all sit with one insurer (health, auto and travel).
  • Monthly payments are the payment model rather than an added extra (monthly).
  • Claims can be filed by online, app and phone, so most reporting happens without paperwork posted out.
  • It is an insurer rather than a broker (insurer), and the legal entity is Achmea B.V..

Cons

  • Support runs on chat, phone and help centre, and email is not among those channels.
  • An excess applies from €200, and the Tand Basis dental module only reimburses a share of costs within a capped annual amount.
  • The premium from €148.75 a year ranks 228 of 252 brands on starting price here.
FBTO

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Scored 9.2 / 10 by AssureCue.

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Who it suits

  • Expats settling in the Netherlands who want personal cover from a home-market insurer.
  • Self-employed people (zzp) and home office workers, a group the brand writes for (self-employed (zzp), home office).
  • Households happy to report claims in the app, online or over chat (online, app and phone).

Who should look elsewhere

  • Good Sam Insurance Agency, whose listed lines add renters and pet alongside the six FBTO writes.
  • bunq, whose listed premium from is €0 and sits outside the cover in health, auto and travel.
  • EuroAsia Insurance, quoted from UZS 60,000 in a different currency and market.

How FBTO compares

Where FBTO is available

Available
Netherlands

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does FBTO cost for health cover?+

The health premium starts at €148.75 a year, and monthly payments are the only payment model on offer (monthly). That starting figure sits above the €8.37 across brands on the site, so FBTO is not the cheapest way into health cover.

What does the excess mean for a claim?+

An excess starts at €200, and you cover that part of a claim before the rest is paid. Dental cover in the Tand Basis module reimburses a share of costs within a capped annual amount, so heavier dental work can still leave a bill to meet.

Who is FBTO aimed at?+

The stated audience is expats, and the brand also writes for self-employed people and home office workers (self-employed (zzp), home office). It suits anyone who wants health cover plus another personal policy handled by the same provider, since the listed lines are health, auto and travel.

What can I insure under one FBTO policy?+

The listed types are health, auto and travel. Health comes first, with auto, travel, home, motorcycle and life written by the same provider, and the entity behind those policies is an insurer rather than a broker (insurer).

How do I report a claim?+

Claims can be filed by online, app and phone. The online route and the app suit routine cases, while phone and chat let you talk a claim through, and the written channels keep a record of what was agreed.

Can I email FBTO support?+

Support is limited to chat, phone and help centre. Phone and chat give you a live conversation, and the help centre covers written answers, but email is not among the listed channels, so anyone who wants a formal written trail may find that limiting.

Who is behind the policy?+

The legal entity is Achmea B.V., an insurer founded in 1956 and based in the Netherlands (NL). Because it is an insurer, the cover sits with that provider rather than with a separate underwriting partner.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

FBTO

FBTO

Expats and self-employed people wanting personal cover from one Dutch insurer, paid monthly.

9.2/10See alternatives

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