Based on 481 ransomware attacks from the Dutch police and a Dutch incident response party, we arrive at a number of key insights: Insurance led to a 2.8x higher ransom amount paid, without affecting the frequency of payments. Data exfiltration led to a 5.5 times higher ransom amount paid, without affecting the frequency of payments. Organizations with recoverable backups were 27.4 times less likely to pay the ransom compared to victims without recoverable backups.