Extracted from source documents

ZEKUR Casco (own-damage car insurance) (Zekur Auto Casco)

Underwritten by ZEKUR (Your Benefits Assuradeuren B.V.) · Netherlands

casco (own-damage car insurance) from ZEKUR for the Netherlands market, with online purchase and 24/7 assistance.

Verified Sep 1, 2026 · Terms dated 2026Sources

Online purchase24/7 helpline

Unique selling points

Repairs at ZEKUR's affiliated repair shops are settled directly with the garage, so customers pay nothing out of pocket and get a free courtesy car during the repair.

Repairs carried out at a ZEKUR-affiliated shop come with a 4-year warranty on the repair.

Customers can choose between three deductible levels (€0, €250 or €500) to balance premium against out-of-pocket risk.

A no-claim discount of up to 80% is available based on accumulated claim-free years.

The ZEKUR Auto Plus bundle gives a 10% discount when Pechhulp Europa, Rechtsbijstand and Schadeverzekering Inzittenden are taken out together.

Coverage limits

Covered

Own damage cover

Covered

Damage to the insured vehicle itself is covered up to the insured sum stated on the policy. Extra ZEKUR (Beperkt Casco) covers own damage caused by a limited list of causes (fire, theft, break-in, glass breakage, weather/nature events, collision with animals); Super ZEKUR (Volledig Casco) additionally covers virtually all other causes of own damage, including damage caused by the policyholder.

Clause 6.1Page 30

Section: Artikel 6 Extra ZEKUR: Als je WA Beperkt Casco verzekerd bent > 6.1 Wat is verzekerd?

6.1.1 Schade aan je auto door brand, ontploffing of kortsluiting

Covered

Total loss settlement

Covered

If the vehicle is a total loss, ZEKUR pays according to the New Value scheme (vehicle less than 12 months old, first owner), then the Purchase Value scheme (used vehicle bought from a dealer, less than 1 year old, under 300,000 km), and otherwise the Replacement Value. These special settlement schemes require the insured sum on the policy to be no more than €85,000 including VAT; this €85,000 figure is an eligibility ceiling for the settlement scheme, not a cap on the casco insured sum itself.

Clause 6.3.6Page 33

Section: Artikel 6 Extra ZEKUR > 6.3.6 De vergoedingsregeling bij total loss

het verzekerd bedrag dat op je polis staat is maximaal € 85.000,- inclusief btw; je auto is op het moment van schade nog geen 12 maanden oud.

Covered

Partial damage repair

Covered

If the vehicle is not a total loss, ZEKUR pays the repair costs up to the insured sum, minus the applicable deductible; repairs must be carried out by a ZEKUR-affiliated repair shop to be reimbursed, otherwise the claim is not paid.

Clause 6.3Page 31

Section: Artikel 6 Extra ZEKUR > 6.3 Wat betalen wij?

Als de schade aan je auto verzekerd is betalen wij die tot maximaal het verzekerd bedrag dat op je polis staat. Wij houden rekening met het eigen risico dat op je polis staat.

Covered

Theft and robbery

Covered

Theft of, or attempted theft of or break-in into, the vehicle or its parts (including joyriding and embezzlement) is covered under both Beperkt and Volledig Casco. If the vehicle is not recovered within 30 days of the claim being reported, it is settled as a total loss; during the waiting period ZEKUR pays €30 per day (incl. VAT) toward a replacement car.

Clause 6.3.4Page 32

Section: Artikel 6 Extra ZEKUR > 6.3.4 Wat betalen wij bij diefstal van je auto

Wij wachten maximaal 30 dagen of je auto wordt gevonden. Dit gaat in op het moment dat je de schade bij ons meldt. In deze periode betalen wij € 30,- inclusief btw per dag voor een vervangende auto.

Covered

Glass damage

Covered

Breakage, cracks or chips to windows/the glass roof are covered if this is the only damage to the vehicle, and only if repaired/replaced by a ZEKUR-affiliated glass repairer; a €250 deductible applies unless a €0 deductible was chosen.

Clause 6.1.3Page 30

Section: Artikel 6 Extra ZEKUR > 6.1 Wat is verzekerd? > 6.1.3

Schade aan de ruiten of het glazen dak van je auto Dit geldt voor breken, barsten of sterretjes. Dit geldt als er geen andere schade is aan je auto.

Covered

Natural perils

Covered

Covers hail, storm (parked vehicle blown over, or objects blown/falling onto it during a storm), lightning, flooding, falling stones, avalanches, and earthquakes occurring abroad.

Clause 6.1.4Page 30

Section: Artikel 6 Extra ZEKUR > 6.1 Wat is verzekerd? > 6.1.4

hagel die op je auto valt; storm, als: de auto geparkeerd staat en omver waait; ... bliksem; ... overstroming; vallende stenen; lawines; aardbevingen in het buitenland.

Conditional

Vandalism

Conditional

Not separately listed under Beperkt Casco (only riot-related damage to the vehicle is covered there under 6.1.5); malicious damage/vandalism by third parties in general is covered under Volledig Casco as part of 'all other causes originating from outside the vehicle' (Art. 7.1).

Clause 6.1.5Page 31

Section: Artikel 6 Extra ZEKUR > 6.1.5 Schade aan je auto door anderen

relletjes. Dit geldt als de openbare orde is verstoord.

Optional

Roadside assistance (Pechhulp)

Optional

Optional add-on (chosen separately, vehicle must be no older than 16 years) offering breakdown assistance in the Netherlands and/or Europe: on-site repair, towing, storage, replacement transport and vehicle repatriation, subject to per-incident and per-year limits (e.g. up to 7 assistance calls per year, max 2 per year including replacement transport).

Clause Artikel 9Page 41

Section: Artikel 9 Als je voor Pechhulp verzekerd bent

Met de pechhulpdekking krijg je hulp bij pech met jouw auto. Verzekerd is de auto waarvan het kenteken op je polis staat.

Covered

Replacement vehicle

€30

A free courtesy car is provided during repair at a ZEKUR-affiliated repair shop. Outside the network, ZEKUR pays €30/day (incl. VAT) for a replacement car for max. 10 days following a total loss, or €30/day for max. 30 days while waiting to see if a stolen vehicle is recovered.

Clause 6.3.7Page 34

Section: Artikel 6 Extra ZEKUR > 6.3.7 Vervangende auto bij total loss

Wij betalen maximaal € 30,- inclusief btw per dag voor een vervangende auto als de schade aan je auto verzekerd is. Dit doen wij maximaal 10 dagen.

Optional

Passenger accident/injury cover (Schadeverzekering Inzittenden)

Optional

Optional add-on covering injury, death, and damage to belongings of the driver and passengers involved in an accident with the insured vehicle, up to the insured sum stated on the policy; it is not automatically included with casco cover and must be selected separately.

Clause Artikel 8Page 39

Section: Artikel 8 Als je een Schadeverzekering Inzittenden hebt

Je bent hiervoor verzekerd als deze dekking op je polis staat. De Schadeverzekering Inzittenden is een aanvulling op je autoverzekering.

Key conditions

Driver age and experience limit

The driver must hold a valid, Netherlands-recognised driving licence. Cover is void if the driver was not permitted to drive (e.g. licence surrendered, driving ban, or supervision that did not meet the 2toDrive rules).

Repair network requirements

Glass damage and other own-damage repairs are only reimbursed if carried out by a ZEKUR-affiliated repair shop (ZEKUR Schadeherstelbedrijf); using a shop outside this network means the claim is not paid, while affiliated shops provide a free replacement car and 4 years' warranty on the repair.

Anti-theft requirements

Theft or break-in claims are not paid if the policyholder was insufficiently careful, e.g. leaving loose devices visible in the car, not locking the vehicle properly, or not keeping/storing the keys securely (leaving them in a cloakroom is not considered sufficient).

Claim notification deadline

Damage must be reported to ZEKUR as soon as possible. For theft, break-in, vandalism or an unknown perpetrator, a police report must also be filed immediately, with a copy sent to ZEKUR.

Deductible rules

Policyholders choose a deductible of €0, €250 or €500 for Beperkt/Volledig Casco cover (including accessories); a higher deductible results in a lower premium. The deductible does not apply to WA, Pechhulp, Schadeverzekering Inzittenden or Rechtsbijstand.

Direct payment

ZEKUR settles repairs directly with its network of affiliated ZEKUR Schadeherstelbedrijven, so the policyholder pays nothing out of pocket when repairing at an approved shop; repairs carried out outside this network are not reimbursed.

Territorial scope

Cover applies only in the countries shown on the Green Card; damage occurring in a country not listed on (or crossed out on) the Green Card is not covered.

Documents

ZEKUR Auto Policy Terms 2026-U1 (opens in a new tab)

Terms & conditions · PDF

IPID – Extra ZEKUR Auto Beperkt Casco (opens in a new tab)

Product information sheet · PDF

IPID – Super ZEKUR Auto Volledig Casco (opens in a new tab)

Product information sheet · PDF

Policy specifics

Accessories coverage

Both Extra ZEKUR Auto (Beperkt Casco) and Super ZEKUR Auto (Volledig Casco) include accessory coverage up to €3,000

Source

Section: Extra ZEKUR Auto > Extra ZEKUR Auto: dit is verzekerd > Accessoires

Bij Extra ZEKUR Auto en Super ZEKUR Auto zijn de accessoires van je auto tot € 3.000,- meeverzekerd.

Own damage coverage - Beperkt Casco

Extra ZEKUR Auto (Beperkt Casco) covers damage to own vehicle from specific causes including theft, break-in, glass damage, weather damage, and collision with loose animals

SourceInsurers' association document

Section: Wat is verzekerd? > Schade door brand en natuur

Je auto is verzekerd tegen schade door bijvoorbeeld brand, hagel, bliksem, overstroming of aanrijding met een loslopend dier.

Own damage coverage - Volledig Casco

Super ZEKUR Auto (Volledig Casco) covers nearly all damage to own vehicle including collision, self-caused damage, mechanical defects, vandalism, and unexpected external events

SourceInsurers' association document

Section: Welk soort verzekering is dit?

Met de Volledig Cascodekking ben je naast de WA-verzekering verzekerd voor bijna alle schades aan je eigen auto.

Deductible (own risk) options

Policyholders can choose deductible amounts of €0, €250, or €500 for both Beperkt and Volledig Casco coverages

Source

Section: Eigen risico

Je hebt keuze uit drie bedragen: € 0,- of € 250,- of € 500,-. Hoe hoger je eigen risico, hoe lager je premie.

Repair network requirement

Damage is only covered if it is assessed and/or repaired by a ZEKUR-affiliated repairer (ZEKUR Schadeherstelbedrijf); repairs outside this network are not reimbursed, for either Beperkt Casco or Volledig Casco.

SourceClause 6.3.3Page 32

Section: Artikel 6 Extra ZEKUR: Als je WA Beperkt Casco verzekerd bent > 6.3 Wat betalen wij? > 6.3.3 Repareren van overige schade bij een ZEKUR Schadeherstelbedrijf

Wij betalen je schade alleen als je de schade aan je auto laat vaststellen en/of repareren bij een ZEKUR Schadeherstelbedrijf. ... Laat je je schade vaststellen en/of repareren door een andere schadehersteller waar wij niet mee samenwerken? Dan betalen wij je schade niet.

Glass damage conditions

Glass damage (breaks, cracks, or small chips) is only covered if repair/replacement is performed by an approved ZEKUR glass repair specialist

Source

Section: Extra ZEKUR Auto > Veelgestelde vragen > Ik heb een sterretje in mijn ruit: is dit verzekerd?

Of betalen we alleen als je de ruitschade laat repareren bij een schadehersteller waar we een contract mee hebben.

New value guarantee period

For total loss or theft of a new vehicle, the new value (rather than purchase value) is covered if the vehicle is less than 12 months old at the time of damage

Source

Section: Extra ZEKUR Auto > Extra ZEKUR Auto: dit is verzekerd

Is je auto total loss? Dan is soms de eerste 12 maanden na aanschaf van je auto de aanschafwaarde of de nieuwwaarde verzekerd.

Security requirements for theft coverage

Theft coverage requires the vehicle to meet ZEKUR security standards. If security requirements are not met, theft damage is not covered

SourceClause 6.2Page 31

Section: Artikel 6 Extra ZEKUR > 6.2 Wat is niet verzekerd?

schade of verlies omdat je niet voorzichtig genoeg bent. Dit geldt bij: diefstal of een poging tot diefstal van je auto; ... Je bent niet voorzichtig genoeg als je bijvoorbeeld: losse apparaten in het zicht achterlaat; je auto niet goed op slot zet;

Damage settlement method

ZEKUR settles damage by paying directly to its affiliated repair partners (no out-of-pocket costs for the policyholder at an approved shop); repairs carried out outside this network are not reimbursed, for either Beperkt Casco or Volledig Casco.

SourceClause 6.3.3Page 32

Section: Artikel 6 Extra ZEKUR: Als je WA Beperkt Casco verzekerd bent > 6.3 Wat betalen wij? > 6.3.3 Repareren van overige schade bij een ZEKUR Schadeherstelbedrijf

Laat je je schade vaststellen en/of repareren door een andere schadehersteller waar wij niet mee samenwerken? Dan betalen wij je schade niet.

Sources

ZEKUR Casco (own-damage car insurance)

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