Standalone policy
Check FBTO private liability insurance for a Dutch household, including the choice of insured limit, children studying away from home and borrowed-property cover.
3 conditional · 3 excluded
Personal quote
66 products
18 insurance types
Checked September 2026
FBTO
FBTO is represented on Luntero with 66 products across 18 insurance types, each documented from the provider's own policy wording. Compare cover, price basis, eligibility and cancellation terms here, then confirm the current conditions with FBTO before you apply.
Range at a glance
6 of 8 insurance families
- Home and belongings: 77
- Vehicles and mobility: 1919
- Travel: 99
- Health and care: 2121
- Legal and income: 77
- Life and funeral: 33
- Pets and animals: 0
- Other cover: 0
- Health and care21 products
- Vehicles and mobility19 products
- Travel9 products
- Home and belongings7 products
What FBTO offers
FBTO’s represented range spans basic and supplementary health, dental care, buildings, contents, liability, cars, motorcycles, boats, trailers, travel, legal expenses, accidents, valuables and term life. Modularity is a recurring feature, but the rules for adding, changing or ending cover can vary by product and policy year. Use this profile to map base policies and modules, then verify activation dates, insured events, provider access, excess, limits and exclusions with FBTO.
Personal liability
1 productContents
2 productsStandalone policy
Compare FBTO Basis Inboedelverzekering, including its insured property, important exclusions, optional cover and the differences from FBTO's other home policy.
1 conditional · 3 excluded
Personal quote
Standalone policy
Compare FBTO Inboedelverzekering, including its insured property, important exclusions, optional cover and the differences from FBTO's other home policy.
3 conditional · 2 optional
Personal quote
Buildings
2 productsStandalone policy
Compare FBTO Basis Opstalverzekering, including its insured property, important exclusions, optional cover and the differences from FBTO's other home policy.
1 conditional · 1 optional · 3 excluded
Personal quote
Standalone policy
Compare FBTO Opstalverzekering, including its insured property, important exclusions, optional cover and the differences from FBTO's other home policy.
3 conditional · 2 optional
Personal quote
Valuables
2 productsStandalone policy
Compare FBTO's basis reimbursement option for belongings carried in the Netherlands, including device limits, valuation and excess choices.
3 conditional · 2 excluded
Personal quote
Standalone policy
Compare FBTO's compleet reimbursement option for belongings carried in the Netherlands, including device limits, valuation and excess choices.
3 conditional · 2 excluded
Personal quote
Car
3 productsStandalone policy
Understand FBTO third-party car insurance, its liability limits and the optional cover needed for occupants or mechanical breakdown.
2 included · 1 conditional · 3 optional · 3 excluded
Personal quote
Standalone policy
Compare FBTO's comprehensive car cover for the Netherlands, including at-fault collision damage, repair-network choices and optional assistance.
3 included · 3 conditional · 3 optional
Personal quote
Standalone policy
Check FBTO limited-casco car insurance for theft, glass and weather damage, with practical guidance on valuation and repair choices.
2 included · 3 conditional · 3 optional · 1 excluded
Personal quote
Motorcycle
3 productsStandalone policy
Compare comprehensive FBTO motorcycle insurance, including accidental damage, riding equipment, valuation and the optional winter riding restriction.
2 included · 2 conditional · 3 optional
Personal quote
Standalone policy
Review FBTO motorcycle liability insurance and compare the separate decisions about your bike, passengers and breakdown assistance.
1 included · 3 optional · 3 excluded
Personal quote
Standalone policy
Check FBTO limited-casco motorcycle cover for theft and named events, with the lock and purchase-proof rules that affect a claim.
1 included · 2 conditional · 3 optional · 1 excluded
Personal quote
Trailer
1 productStandalone policy
Compare FBTO cover for a private trailer, boat trailer or horse trailer, including accidental damage, lock requirements and the separate treatment of cargo.
4 conditional · 1 excluded
Personal quote
Boat
4 productsStandalone policy
Compare fbto boat liability and assistance insurance, with practical explanations of the insured risks, key limitations and the choices to confirm before applying.
1 included · 1 conditional · 1 optional · 2 excluded
Personal quote
Add-on
Compare fbto boat collision and inherent-defect module, with practical explanations of the insured risks, key limitations and the choices to confirm before applying.
2 conditional · 1 excluded
Personal quote
Add-on
Compare fbto boat fire and weather module, with practical explanations of the insured risks, key limitations and the choices to confirm before applying.
2 conditional · 1 excluded
Personal quote
Add-on
Compare fbto boat theft and break-in module, with practical explanations of the insured risks, key limitations and the choices to confirm before applying.
2 conditional
Personal quote
Breakdown assistance
5 productsAdd-on
Check FBTO's foreign car breakdown module, including replacement transport, excluded repair parts and how to request help.
3 conditional · 1 excluded
Personal quote
Add-on
Check FBTO's domestic car breakdown module, including replacement transport, excluded repair parts and how to request help.
2 conditional · 1 excluded
Personal quote
Add-on
Check FBTO's foreign motorcycle breakdown module, including replacement transport, excluded repair parts and how to request help.
3 conditional · 1 excluded
Personal quote
Add-on
Check FBTO's domestic motorcycle breakdown module, including replacement transport, excluded repair parts and how to request help.
2 conditional · 1 excluded
Personal quote
Add-on
Travel-policy vehicle assistance for eligible vehicles taken from the Netherlands, including conditional recovery and replacement transport after a breakdown or insured damage.
2 conditional · 2 excluded
Personal quote
Vehicle occupants
3 productsAdd-on
Compare fbto boat occupant damage insurance, with practical explanations of the insured risks, key limitations and the choices to confirm before applying.
2 conditional
Personal quote
Add-on
Compare FBTO's car occupant module for injury and belongings after an accident, including the separate personal-damage and property limits.
2 conditional · 1 excluded
Personal quote
Add-on
Compare FBTO's motorcycle occupant module for injury and belongings after an accident, including the separate personal-damage and property limits.
2 conditional · 1 excluded
Personal quote
Travel
7 productsStandalone policy
Compare FBTO's annual travel policy for repeated holidays, including its shared luggage sum, trip-length limit and separately selected medical and cancellation cover.
2 conditional · 2 optional
Personal quote
Standalone policy
Compare FBTO's temporary travel policy for one booked holiday, including travelling with friends, baggage cover and the optional protection your itinerary needs.
2 conditional · 2 optional
Personal quote
Add-on
A duration extension for FBTO annual travel insurance when a trip exceeds the standard 60 consecutive days; other cover remains dependent on selected modules.
1 conditional · 1 excluded
Personal quote
Add-on
Additional travel medical cover for urgent treatment abroad, including the compulsory Dutch health-insurance excess for eligible treatment and a separate emergency dental limit.
3 conditional
Personal quote
Add-on
Extends an FBTO travel policy for eligible skiing, snowboarding and diving, with rescue and unused activity costs subject to the sport and circumstances.
2 conditional · 1 optional
Personal quote
Add-on
Adds the working-travel extension needed for an FBTO business trip or workation, with specified replacement-person and communication expenses.
2 conditional · 1 excluded
Personal quote
Travel cancellation
2 productsStandalone policy
Standalone cancellation insurance for a single trip or event booking, including eligible friends on the same booking and the option to combine it with travel cover.
2 conditional · 1 excluded
Personal quote
Add-on
An optional cancellation policy alongside FBTO annual travel cover, with selected limits up to EUR 7,500 per person per trip and specified reasons for cancellation.
2 conditional · 1 excluded
Personal quote
Basic health
3 productsStandalone policy
2026Compare FBTO Basis at EUR 148.75 per month in 2026 with the standard adult excess, including provider reimbursement and available supplementary modules.
2 conditional · 2 optional
€148.75/month
Standalone policy
2026Compare FBTO Basis Plus at EUR 159.25 per month in 2026 with the standard adult excess, including provider reimbursement and available supplementary modules.
2 conditional · 2 optional
€159.25/month
Standalone policy
2026Compare FBTO Basis Vrij at EUR 167.95 per month in 2026 with the standard adult excess, including provider reimbursement and available supplementary modules.
3 conditional · 2 optional
€167.95/month
Supplementary health
8 productsAdd-on
Compare the Extra zorgkosten module on FBTO personal accident insurance: what it pays, how it works with other cover and what evidence to keep.
1 conditional
Personal quote
Add-on
2026An option with Basis Plus or Basis Vrij, including EUR 500 annual child orthodontics after a one-year wait and separate face-care and optical restrictions.
3 conditional · 1 excluded
Personal quote
Add-on
2026An overseas-care addition to FBTO health insurance for the policy's Europe area, with urgent-care top-up protection, assistance and a separate annual emergency dental limit.
4 conditional · 1 excluded
Personal quote
Add-on
2026An overseas-care addition to FBTO health insurance for worldwide travel, with urgent-care top-up protection, assistance and a separate annual emergency dental limit.
4 conditional · 1 excluded
Personal quote
Add-on
2026A 3-session annual supplementary allowance for eligible physiotherapy and exercise therapy; non-contracted physiotherapy uses 50% of the average contracted tariff.
2 conditional · 1 excluded
Personal quote
Add-on
2026A 6-session annual supplementary allowance for eligible physiotherapy and exercise therapy; non-contracted physiotherapy uses 50% of the average contracted tariff.
2 conditional · 1 excluded
Personal quote
Dental
6 productsAdd-on
Compare the Tand ongeval module on FBTO personal accident insurance: what it pays, how it works with other cover and what evidence to keep.
1 conditional
Personal quote
Add-on
2026A EUR 0.95 monthly health-insurance module for eligible accidental dental damage, with a EUR 10,000 annual limit and treatment-plan approval requirements.
1 conditional · 1 excluded
€0.95/month
Add-on
2026FBTO dental cover with a EUR 250 annual maximum, usually reimbursing eligible treatments at 100% but hygiene and periodontal care at 75%.
2 conditional · 1 excluded
Personal quote
Add-on
2026FBTO dental cover with a EUR 500 annual maximum, usually reimbursing eligible treatments at 100% but hygiene and periodontal care at 75%.
2 conditional · 1 excluded
Personal quote
Add-on
2026FBTO dental cover with a EUR 750 annual maximum, usually reimbursing eligible treatments at 100% but hygiene and periodontal care at 75%.
2 conditional · 1 excluded
Personal quote
Add-on
2026A dental module exclusively for FBTO Basis, paying 75% of specified routine treatments up to EUR 250 per year.
2 conditional · 1 excluded
Personal quote
Personal accident
4 productsStandalone policy
Compare FBTO's personal accident policy for permanent disability or accidental death, including household eligibility and how the insured amount affects payment.
2 conditional · 1 excluded
Personal quote
Add-on
A travel-policy accident module with EUR 75,000 maximum permanent-disability cover and EUR 15,000 accidental-death cover before age-related reductions.
2 conditional
Personal quote
Add-on
Compare the Praktische hulp module on FBTO personal accident insurance: what it pays, how it works with other cover and what evidence to keep.
1 conditional
Personal quote
Add-on
An optional single-trip accident benefit with four paired disability and death sums, separate from reimbursement of medical bills.
2 conditional
Personal quote
Legal expenses
7 productsStandalone policy
Compare fbto basis legal expenses insurance, including insured dispute types, important exclusions and the practical steps for requesting assistance.
3 conditional · 1 excluded
Personal quote
Standalone policy
Compare fbto modular legal expenses insurance, including insured dispute types, important exclusions and the practical steps for requesting assistance.
1 conditional · 5 optional
Personal quote
Add-on
Compare fbto consumer and home legal module, including insured dispute types, important exclusions and the practical steps for requesting assistance.
2 conditional · 1 excluded
Personal quote
Add-on
Compare fbto family, tax and wealth legal module, including insured dispute types, important exclusions and the practical steps for requesting assistance.
2 conditional
Personal quote
Add-on
Compare fbto medical legal expenses module, including insured dispute types, important exclusions and the practical steps for requesting assistance.
1 conditional
Personal quote
Add-on
Compare fbto traffic legal expenses module, including insured dispute types, important exclusions and the practical steps for requesting assistance.
1 conditional
Personal quote
Term life
3 productsStandalone policy
Compare FBTO annuity-decreasing term-life insurance for Dutch households, with the payout schedule, premium choice, setup fee and application requirements explained.
2 conditional · 1 excluded
Personal quote
Standalone policy
Compare FBTO level term-life insurance for Dutch households, with the payout schedule, premium choice, setup fee and application requirements explained.
2 conditional · 1 excluded
Personal quote
Standalone policy
Compare FBTO linearly decreasing term-life insurance for Dutch households, with the payout schedule, premium choice, setup fee and application requirements explained.
2 conditional · 1 excluded
Personal quote
At a glance
- Products documented
- 66
- Insurance types
- 18
- Standalone policies
- 27
- Add-ons and modules
- 39
- Policy languages
- NL
- How you apply
- Website
Product details for FBTO were last checked by Luntero in September 2026. Premiums, conditions and availability change, so confirm the current policy terms on the provider's own website before you apply.
Official FBTO links
Luntero is not the insurer, broker or adviser. Quotes, applications and claims run through the provider.
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Interpolis
Insurance provider
- 81
- products
- 25
- insurance types
- Home and belongings: 66
- Vehicles and mobility: 3737
- Travel: 1212
- Health and care: 1313
- Legal and income: 1111
- Life and funeral: 22
- Pets and animals: 0
- Other cover: 0
6 families covered · Vehicles and mobility, Health and care, Travel
Checked Sep 2026View provider
Univé
Insurance provider
- 145
- products
- 26
- insurance types
- Home and belongings: 1313
- Vehicles and mobility: 6060
- Travel: 1212
- Health and care: 3535
- Legal and income: 1616
- Life and funeral: 0
- Pets and animals: 88
- Other cover: 11
7 families covered · Vehicles and mobility, Health and care, Legal and income
Checked Sep 2026View provider
a.s.r.
ASR Nederland N.V.
- 90
- products
- 24
- insurance types
- Home and belongings: 99
- Vehicles and mobility: 3434
- Travel: 44
- Health and care: 3737
- Legal and income: 33
- Life and funeral: 22
- Pets and animals: 11
- Other cover: 0
7 families covered · Health and care, Vehicles and mobility, Home and belongings
Checked Sep 2026View provider
Nationale-Nederlanden
Insurance provider
- 95
- products
- 20
- insurance types
- Home and belongings: 2020
- Vehicles and mobility: 3939
- Travel: 1616
- Health and care: 88
- Legal and income: 77
- Life and funeral: 33
- Pets and animals: 0
- Other cover: 22
7 families covered · Vehicles and mobility, Home and belongings, Travel
Checked Sep 2026View provider
Find the FBTO base policy behind the module
Start with the main health, household, vehicle, travel or life policy, then inspect each relevant module. Confirm start dates, change windows, reimbursements, excess, limits, exclusions and current availability with FBTO.
Search providers
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Liability, contents, health, travel, vehicles and more, grouped into families with live product counts.
See insurance typesDecode the Dutch terms
Eigen risico, inboedel, aansprakelijkheid and the other words that decide what a policy pays. The glossary explains them next to the Dutch original.
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