RISK

Dutch insurance platform combining brokerage, technology solutions, and distribution for intermediaries and partners

Distribution & Sales Established PE-Backed

Overview

RISK is a Dutch insurance platform combining distribution, technology, and brokerage services under a single mandate model. Founded in 2000, the company has evolved from a delegated authority broker into a strategic InsurTech platform that serves insurance intermediaries, digital platforms, comparison tools, and insurers across the Netherlands and beyond.

The platform provides integrated insurance, energy, and credit products through a web-based office solution for advisors, complemented by cloud-based REST APIs and embedding capabilities. RISK operates nine specialized business units (including Overstappen.nl, Autoverzekering.nl, and Dyme) and holds underwriting authority from Allianz and other major insurers. The company serves over 600,000 users through its various distribution channels and partnerships.

RISK is backed by PE investor Söderberg & Partners, with total funding of approximately USD 121.6M from 25 investors including Aegon Growth Capital. The company has expanded strategically into mortgages and pensions through acquisitions of Hypotheek.nl and Pensioen.nl in 2024, and acquired the fintech platform Dyme in 2025 to strengthen its consumer financial services offerings.

Products & Services

Subliempakket (Core Platform)

Web-based office solution for insurance advisors integrating insurance, energy, and credit products with online comparison and contract conclusion capabilities. Serves insurance intermediaries, digital platforms, and online comparison tools.

Key Features

Multi-product integration (insurance, energy, credit)
Real-time online comparison and quote generation
API-first architecture for custom integrations
White-label deployment options

Target Users: Insurance advisors, intermediaries, digital platforms

REST API Platform

Cloud-based, plug-and-play REST APIs enabling custom front-end development and seamless software integrations. Includes PSD2 integration capability and Surebase system for quote generation and real-time data streams.

Key Features

RESTful API design for custom implementations
Real-time quote generation via Surebase
PSD2 compliance for financial data access
Cloud-based infrastructure

Target Users: Development teams, system integrators, partner platforms

Embedded Insurance Solutions

Integration of insurance products directly into third-party platforms, webshops, and mobile applications, enabling seamless insurance offerings within partner ecosystems without custom development.

Key Features

Embedded product integration
Minimal configuration required
Partner ecosystem compatibility
Real-time data synchronization

Target Users: E-commerce platforms, fintech apps, comparison tools, retailers

Distribution Labels

Portfolio of nine specialized business units serving distinct market segments and customer types:

Key Features

Overstappen.nl - Insurance switching and comparison
Autoverzekering.nl - Car insurance
EasySwitch.nl - Insurance switching service
Hypotheekadvies.nl - Mortgage advisory
De Krediet Makelaar - Credit products
Dyme - Expense management and fintech platform (600k+ users)
Finckers - Financial services
RISK Direct - Direct consumer sales
Hypotheek.nl and Pensioen.nl - Mortgage and pension distribution

At a Glance

Founded: 2000
Headquarters: Nieuwegein, Utrecht, Netherlands
Employees: 144-150
Funding: PE-Backed

Category & Focus

Category: Distribution & Sales
Subcategories: Embedded insurance API platforms Distribution labels White-label solutions
Insurance Verticals: P&C Personal Life & Annuity
Target Customers: Insurers, Brokers, Digital platforms, Comparison tools, Agents