FBTO Reviews 921

For the love of God, let me cancel my insurance! Useless company, Useless website and bot and of course Useless personnel.

Did not have to use the insurance at all, so can't say anything about coverage. However, closed travel insurance for 6 months, and you very clearly have to indicate that it is only for 6 months. Obviously, they had some small rules, so they "extended" it automatically. Didn't notice anything (although they did sent an email), and they raised the amount even. So, just casually stole 60 euros from me.

I would give them 1 star! After 3 years, It's time to move on! No customer support, chat bot?! Ridiculous! It's so hard to reach them, and they not responding to whatsapp messages! Finding new health insurance ASAP

I’m having trouble cancelling my plan online. After so many calls and trying to WhatsApp I finally hear “you have to do it online”. Even when I try do it online the cancel option isn’t clickable. I don’t live in the country anymore. So. I guess I just cancel my card?
Thanks for nothing FBTO 💋

What a horrible company? they withdrew money from my account without my permission, while I didn't have even an insurance with them :))))))))))
Don't know how is that possible. And they don't tell me who and how gave them permission to withdrew money from my account.

After signing in with them, I randomly noticed in my bank account that they took over 500 euros from me to cover the last half year. I told them that this makes no sense, considering I'm an expat who spent the last half year going to my home country to access a doctor. I had no benefits in this country, but still they decided to take 500 euros from me without my consent, and no matter how much I complained, they refused to do anything about it. Pure scammers and thiefs.

Despite the fact that I proved that I did not caused the damage to my car, FBTO used my "all risk" insurance to fix my car. This impacted my damage-free years and monthly payment for insurance.

They don't give you a zorgpas. You need to have the app with a working internet connection. I payed for a worldwide coverage, but not it seems that without roaming i cant even access my zorgpas

The company is a fraudulent company and you should definitely not give your money to them, blame there drivers for a crash and take all the money and the car. STAY AWAY!!

First they send you a mail that you are rejected because your visa does not fulfill the requirements, then - without ANY change on the existing visa, suddenly a few days later they start insuring you and ask for money, while after the initial rejection it is normal to move on elsewhere.
The support is NOT AT ALL even trying to help, on the contrary, trying to subtile tell you that you're the idiot in this matter, they are right, idiot for being so stupid to actually think FBTO is a decent company, while it turns out they are just trying every shady way possible to make money, they admit 'nothing changed' on the visa, but do not at all try to understand that they cannot reject and then not reject based on the same criteria.
Obviously the moment they said they start the insurance (same hour of receiving that mail) it was cancelled, still they insist to charge those days despite the fact that it was them who did everything wrong here !
One and one only possible recommendation: STAY THE HECK AWAY FROM THEM - AS FAR AS POSSIBLE

I had a ski accident in New Zealand and needed surgery and stuff and when I sent them my claim I had to wait a few weeks for a response and after that they called me and they are sending the money back to me in 5 days. It went really smooth and I’m really happy with this company!

Worst insurance company, no customer service, useless website. Signed up when I thought I might have a job and couldnt cancel as their wesbite was useless. I had to buy a document saying I have cancelled it in order to get a response which told me that my letter is not valid when i havent had this insurance for a month even and it has not yet been valid as it only was meant to start next year. Utterly useless scam of a company

Would give it 0 stars if it were possible. Got 20 pills of antibiotics that costs 0,72 cents EACH (says so on our official government website in Nl) afterwards they still took €350 “own risk” for pills costing less than €20 euro in total. Spare yourself the time and look for a other insurance company

They were pretty good to take my money, now they refuse service in English and they do whatever they can to make their customers miserable.

I messaged them today with a very specific and clear question. Gave them a copy of my contract. Asked the question.

Instead of doing their jobs (even if they wanted to do it in Dutch) and just answering, they kept nagging and trying to waste my time asking for information that was in the contract I screenshotted to them. They keep creating unnecessary friction whenever you try to get help from them because they clearly don't want to serve you, plus they block messages on WhatsApp so you can only use screenshots to translate as you're unable to copy what they say to Google Translator App normally as you would with any normal private conversation.

NOBODY would speak to me in ENglish, pretty rude too
go for another health provider

Top service and site

No English Speaking colleagues. Poor customer service . Don't go for them.

No customer service. Unacceptable. I'm changing the insurer at the earliest convenience. I'm being charged twice for the same month and can't even talk about with anyone. This is how scammers work. They should pay me for my lost hours on the phone.
Stay away from this company

I was a client of FBTO since 2017, having insured three different vehicles with this company (with zero accidents or claims). Due to covid and winter, I decided to temporarily stop my car registration insurance in December 2021. When I tried to renew the insurance in May 2022, I was unexpectedly denied. First I had to wait for 5 workdays with no answer, then I got further delays due to additional questions about car's APK (which was due to expire .. guess why I needed insurance?) and finally I got denied due to (car/finance-unrelated) legal issues from 2018, which were never an issue with FBTO client acceptance in the past. Due to this inconsistency and time wasted, I had to look for another insurer.

Would give this company a ZERO star if that was possible! I can't wait to leave this insurance company come January. They are taking too many chances with us. Please don't waste your time and money here. For Dutch standard, this is low and close to being called a scam! Apparently, they don't speak English on WhatsApp.