FBTO Reviews 

Their customer service is non existent, they don't even have an email address. I requested my E104 form more than 2 weeks ago and still did not recieve it even though they said that they will send it within one week. I tried writing to them on Whatsapp but either they don't respond or they can't even understand the problem and they only ask for my personal details like some scammers. When I requested the same form from Zilveren Kruis, they sent it in 2 days.

Absolutely horrendeous customer service via the chat function. I was told 'to just be patient' while the customer service employee repeatedly asked me for details that were unnecessary to answer my question. I got a little pushy and sent several messages in a row to ask for clarification, while perhaps I should not have done this, I was not rude nor was I improper. When I mentioned that I did not find this very customer service friendly (I work in customer service and even when a client is actually annoying or rude, you just grin and bear it, especially over the chat), the employee told me that they are 'very customer friendly, thank you very much'... Then suddenly the employee was able to answer my question entirely without needing the previous information that was unnecessary from the start. Two stars because I did finally get the information despite this unnecessary attitude. I have a lot of grace for customer service employees but not when I am immediately spoken to like I am a misbehaving teenager. Ridiculous.

Their contact service is terrible.
I had 3 chats with "real" people time out because they just ignore my question.
Worst customer service I've experienced from an insurance provider.

Billed me for ambulance 950 eur I even never called! Disgusting!

This company has a good overall web presence and talks a good game on their website. Dealing with a problem you might have is another story. I just got back from the Kwikfit to look at a new crack in my windshield just under one that happened 1.5 years ago, the recommendation was to replace the entire glass because the old crack was too high up on the windshield. FBTO refused to pay and had them fix it with their machine. I have since got a new crack just underneath the old one and am curious how they will react as I am told that this one will continue to grow. I find this company obstinate and very hard to deal with, I am looking for a new insurance provider for next year.

They stole my money. I had valid insurance but they double insured me making me pay health care premium with two providers. They are not willing to correct it and stole my money. I can't change insurance either as it's not allowed.

Made me pay an extra premium after changing insurance companies. Contacted them for several months with no help in sight and also the phones listed on their site won't work. Most of the support agents were not only unhelpful but also rude. I guess I should have listened to all the bad reviews and not choose them because they were the cheapest

Did not show up for a callback appoint that was scheduled in advance. Was contacted days later to apologize, then said that they couldn't schedule another callback and that we had to sign up online. The website had a broken component to it, so we could not go further. When we spoke in the chat to a representative, they were more concerned about the website than getting our insurance started. This company seems more concerned with making reports about their mistakes than actively covering customers. DON'T WALK, RUN FROM FBTO.

I wanted to join this company because it’s cheaper.
But, When I read the reviews (81% with ONE star), I get impression that the situation of a person with serious health problem can become just helpless and dangerous because of such company. Because! what patients write here - it’s like about some dishonest and in a way antihuman company. I am curious if the court can help those poor people in their occasions.

How annoying when you want to cancel your insurance because your moving abroad, but you cannot do it via your online profile, they refer to the customer service via phone. Then you call them, but they don't have the option in the menu that you're looking for. Then they just disconnect.. Why should this be so hard? Cost me 30 min + frustration and haven't made any progress yet..
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Wat vervelend als je je verzekering wilt opzeggen omdat je naar het buitenland verhuist, maar dat niet via je online profiel kan, ze verwijzen naar de klantenservice via de telefoon. Dan bel je ze, maar ze hebben niet de optie in het menu die je zoekt. Dan verbreken ze gewoon de verbinding.. Waarom moet dit zo moeilijk zijn? Kostte me 30 min + frustratie en ben nog steeds niet verder gekomen..

It's unacceptable that insurance company closes completely option to communicate via e-mail. On top of that, their WhatsApp bot is very limited and suggest irrelevant questions to ask. "Omdat klanten het meest tevreden zijn over contact via WhatsApp of chat helpen we u daar graag verder." - yeah right, online reviews prove different. Good luck staying in the business.

What a terrible insurance company! I should have read the reviews before getting insurance from them. Especially since I had such a great experience with another company (which was even cheaper!). My buggy was damaged and is unusuable and they're reimbursing me 20 eur which is apparently the depreciated value! What can I do with 20 eur, buy a new buggy? They also expect you to wait with a small child for 2 hours for public transport (when the flight was delayed) and not allow you to take taxi.

What a horrible insurance company.
I have never experienced anything like it.

I am ashamed that I have recommended them to my student friend who is now is trying to set things right.

I am planning to terminate my own contract with them.

They are not available by phone or e-mail. They do not confirm conversation that you have had with them (when they choose to call you) and afterwards they deny everything.

Just shameless, having the students to pay extra for something they don't need. They don't take any responsibility regarding their advise on base of which you make choices on their website or the things that go wrong in your account when changing things.

Even though if you have had a conversation in which they assure you that everything is being take care of you cannot trust that as after 3 months they are back asking for extra money.

Shocking and outrages!!! How is this possible in this country?

My car was insured there, got accident never got a penny back.
Now tried to get life insurance,of course i need to deliver thousands of documents and no f budy speaks english.
Very bad experience

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