FBTO car insurance
Founded in 1956, FBTO is part of Achmea, one of the largest insurance groups in the Netherlands. The insurer is known for its flexible, self-service approach, letting you build your own policy with optional cover instead of choosing a fixed package.
Compare car insuranceAbout FBTO car insurance
FBTO has been helping Dutch drivers get insured since 1956 and is part of Achmea. The insurer is best known for its digital-first approach, making it easy to arrange and manage your policy online.
Car insurance starts with one of three cover levels: third-party liability (WA), third-party liability + limited cover (WA beperkt casco) or third-party liability + comprehensive cover (WA volledig casco / all risk). Want more protection? Simply add optional modules, such as breakdown assistance or motor legal protection. You can easily switch these extras on or off whenever your needs change, giving you more flexibility than a standard fixed policy.
FBTO is licensed by the Dutch Authority for the Financial Markets (AFM). This means the insurer is supervised and must meet strict standards for reliability, transparency and financial strength.
Pros and cons of FBTO car insurance
Is FBTO car insurance available in English?
No. FBTO’s website, policy documents and claims process are all in Dutch. While some customer service representatives may be able to help you in English, that’s not guaranteed and depends on who you speak to.
Can I manage my FBTO policy without speaking Dutch?
This depends on the task. Day-to-day tasks in MijnFBTO, like switching a module on or off, mostly involve clicking through menus rather than reading dense text. Filing a claim is trickier, since the form itself is in Dutch and asks for specific details about what happened. A translation tool or a Dutch-speaking friend makes that part far more manageable.
Flexible cover you can adjust at any time
“FBTO’s biggest strength is its flexibility. You can add or remove optional modules whenever your needs change. Just keep in mind that the second-car scheme gives you a fixed discount rather than transferring your no-claims discount. If you’ve built up many claim-free years, that could mean a lower discount on your second car.”
Jean-Paul Würsten,
Car insurance expert
Premiums FBTO car insurance 2026
The table below shows what an average driver profile pays for FBTO car insurance in July 2026. Your own premium will depend on factors such as your car, age and driving history.
| Premium* | Type of cover |
|---|---|
| € 32,69 | Third-party liability (WA) |
| € 42,16 | Third-party liability + limited cover (WA beperkt casco) |
| € 68,97 | Third-party liability + comprehensive cover (WA volledig casco / all risk) |
*These monthly premiums are based on car insurance for a Suzuki Jimny (2019) for a 54-year-old driver from Amersfoort. The driver covers 10,000 kilometres per year and has five claim-free years. Last updated: 1 October 2026.
Calculate your premium with FBTO
Like every insurer, FBTO bases your premium on the level of risk you present. The most important factors are:
- Your age and driving experience
- The number of claim-free years you’ve built up (schadevrije jaren)
- Your car, as more powerful or expensive models usually cost more to insure
- Where you live, since areas with higher accident or theft rates often have higher premiums
- How many kilometres you drive each year
Want to know what you’d pay with FBTO? Enter your details in our comparison tool to see FBTO’s premium alongside quotes from other insurers.
Basic cover with FBTO car insurance
ING offers different levels of car insurance cover. The table below shows what is included with each option, so you can see how the cover differs.
| What is covered? | Third-party liability | Third-party liability + limited cover | Third-party liability + comprehensive cover |
|---|---|---|---|
| Damage to other people or their property | ✓ | ✓ | ✓ |
| Theft or burglary | ✕ | ✓ | ✓ |
| Windscreen damage | ✕ | ✓ | ✓ |
| Storm or fire damage | ✕ | ✓ | ✓ |
| Damage caused by yourself | ✕ | ✕ | ✓ |
| Vandalism | ✕ | ✕ | ✓ |
Additional coverage options at FBTO
FBTO calls these add-ons “modules.” You can choose which modules you need and adjust your coverage when your situation changes.
- Passenger insurance (SVI)
Provides financial cover for the driver and passengers after an accident, regardless of who was at fault. Injuries are covered up to € 1,000,000, while personal belongings are covered up to € 5,000. - Breakdown assistance Netherlands (Pechhulp Nederland)
Round-the-clock help for breakdowns in the Netherlands, from a flat tyre to a car that won’t start. If your car can’t be repaired on the spot, it’ll be taken to a garage and you’ll receive a replacement car. - Breakdown assistance abroad (Pechhulp Buitenland)
Extends the same cover to breakdowns outside the Netherlands. If your car can’t be repaired immediately, FBTO arranges repairs at a local garage and provides a replacement car if needed. - Motor legal protection (Rechtsbijstand)
Covers legal disputes involving your car or a traffic accident, such as liability disputes, damage claims or traffic fines. Disputes related to buying or selling a car aren’t covered.
Claim-free years at FBTO
In the Netherlands, your driving history plays an important role in what you pay for car insurance. Every year without a claim earns you one claim-free year, and the more you build up, the lower your premium gets.
Most insurers calculate their discount using a fixed no-claims scale (bonus-malusladder). FBTO takes a different approach and calculates your discount individually, although the principle stays the same: the more claim-free years you have, the lower your premium is likely to be.
If you make a claim you’re responsible for, you’ll usually lose five claim-free years. Some claims, such as glass damage, don’t affect your claim-free years.
Second car scheme at FBTO
Unlike some insurers, FBTO doesn’t transfer your no-claims discount to a second car. Each car builds up its own claim-free years separately, which can be less beneficial if you insure multiple vehicles.
What you do get is a flat 7.5% discount on the base premium for every additional car you insure with FBTO. That applies to your second, third and fourth car. The car can be registered to either you or your partner. The only requirement is that all cars are insured under the same policy and registered at the same address. Children living at home aren’t eligible.
Conditions second car scheme at FBTO
The table below shows the main conditions of FBTO’s second-car scheme:
| Terms | FBTO |
|---|---|
| Type of second car scheme | Partial |
| What discount do you receive? | Package discount |
| Maximum discount | 7.5% per car |
| Same discount as your first car | No |
| Second driver can build up claim-free years | Yes |
| All cars must be registered to one name | No |
| Cars must be registered at the same address | Yes |
| Policyholder or partner is a regular driver | Yes |
| Children living at home are eligible for the scheme | No |
What Autoverzekering.nl does for you vs. what FBTO does
When you take out FBTO car insurance through us, two companies are involved:
Comparing FBTO to other insurers
Want to see how FBTO compares? Enter your details in our comparison tool to compare premiums and cover from multiple insurers side by side. The cheapest option is shown first.
Klanten over Autoverzekering.nl
Filing a claim with FBTO
Report damage through MijnFBTO or the Mobiel Schademelden app, both available at any hour. Prefer to talk it through? Call +31 58 234 56 00. For urgent situations, the emergency line runs around the clock on 058 234 56 50, and follow-up documents can go straight through WhatsApp on 06 82 75 67 58.
By default, repairs happen at a garage in FBTO’s own network. Want to choose your own instead? The “Vrije reparatiekeuze” module makes that possible, for a small increase in premium.
Cancelling your FBTO car insurance
Cancel through the chatbot at fbto.nl/opzeggen, which walks you through a few quick questions before confirming everything by email. You’re free to cancel on any day. The change usually takes effect on the first of the following month, though it happens straight away if you’re cancelling because you sold the car.
FBTO contact details
Customer service phone:
058 234 56 78
WhatsApp:
06 82 75 67 58
Emergency line (24/7):
+31 58 234 56 50
Filing a complaint:
Not happy with something? Start by raising it with FBTO directly. Still not resolved? Kifid, the independent body that settles disputes between consumers and financial companies in the Netherlands, is the next step.
