FBTO vs InShared legal insurance 2026: a fixed package or modules
Two Achmea brands, two very different ways of selling the same kind of cover.
FBTO and InShared are both owned by Achmea, and both sell legal insurance (rechtsbijstandverzekering) without an excess. The difference is the shape of the product. FBTO's Basis package bundles the conflicts renters run into most into one price. InShared lets you buy four modules separately and cancel on any day.
We quoted both on 3 October 2026 for one adult. For the wider market, including Univé, Centraal Beheer, ASR, Allianz Direct and Legalec, see our legal insurance comparison.
The short answer
Renting and employed? FBTO Basis at €10.97 covers your work, your rented home and your purchases for less than half of InShared's equivalent.
Own a home, want one module only, or might leave soon? InShared, because you choose exactly what you pay for and can cancel on any day.
FBTO and InShared side by side
| FBTO | InShared | |
|---|---|---|
| Work + home + purchases, one person | €10.97 (Basis) | €22.75 (2 modules) |
| How you buy it | Fixed Basis package, or 5 modules | 4 modules, any combination |
| Home covered in the cheapest option | Rented home or room | Buying or renting your home |
| Excess | None | None (€250 if you use your own lawyer) |
| Waiting period | 3 months, traffic none | 3 months, accident and traffic none |
| Own lawyer cap | See FBTO's conditions | Up to €8,000 |
| Cancelling | See FBTO's conditions | Any day |
| Who is insured | Priced by number of people | Everyone registered at your address |
Where a cell says "see conditions", we could not confirm the figure from FBTO's current public pages, so check the policy conditions before you sign rather than relying on an older summary.
FBTO: one package for the common conflicts
FBTO offers two products. The Basis package is a fixed bundle you cannot change, apart from adding the Verkeer module. It covers conflicts over things you buy online or in a shop, over your rented home or room, and at work or in education. FBTO calls it its most chosen option for one person.
The second product lets you build your own policy from five modules: Consument & Wonen, Verkeer, Werk, Inkomen & Pensioen, Familie, Belasting & Vermogen, and Medisch. That is the route for homeowners or anyone who wants inheritance or tax cover.
Best for: renters who want work and housing cover at the lowest price.
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What applies to both
Neither covers a conflict that started before your policy, and both make you wait 3 months for most cover. If you already have a dispute with an employer or landlord, read our guides on a settlement agreement or a deposit that was not returned instead.
Neither policy is built for IND applications: legal insurance covers disputes, not permit procedures. For that, see our immigration lawyers guide.
Frequently asked questions
Which is cheaper, FBTO or InShared legal insurance?
For a renter who wants work and housing cover, FBTO. Its Basis package costs €10.97 a month for one person. The closest InShared combination, Werk & Inkomen plus Consument & Wonen, costs €22.75 for one adult aged 30, so FBTO saves €11.78 a month or about €141 a year.
Are FBTO and InShared the same company?
Both belong to the Achmea group, but they are separate brands with separate products and prices. InShared has legal cases handled by Stichting Achmea Rechtsbijstand and, for accidents, LegalShared.
Do both have a waiting period?
Yes, 3 months on most cover. Traffic is the exception at both: FBTO's Verkeer module and InShared's Ongeval & Verkeer module have no waiting period.
Which is better if I own my home?
Not FBTO Basis, which covers your rented home or room. Homeowners need FBTO's modular policy or InShared's Consument & Wonen module, which covers conflicts over buying or renting your home.
Can I take only one module?
At InShared, yes: each of the 4 modules can be taken on its own, from €3.75 a month for Ongeval & Verkeer. FBTO also offers a modular policy with 5 modules alongside the fixed Basis package.
Sources
Premiums quoted on each insurer's calculator on 3 October 2026 for one adult. Your premium depends on household size and, at some insurers, age.
- • InShared insurance card: waiting period, own-lawyer cap and cancellation
- • Kifid: the complaints institute if you disagree with an insurer
- • Juridisch Loket: free legal advice whether or not you are insured