Coöperatie Univé U.A., trading as ZEKUR (health products underwritten by VGZ Zorgverzekeraar N.V.)
ZEKUR
ZEKUR is a motor casco insurance for the Netherlands market with online purchase and 24/7 assistance.
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.
Geographic scope
Netherlands (the European part of the Kingdom of the Netherlands)
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.
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
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.
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.
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.
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.
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.
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.
Vandalism
Conditional
Only in Volledig Casco
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).
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).
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.
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.
Key conditions
Driver age and experience limit
The policy conditions do not state a minimum driver age; 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.
Territorial scope
Cover applies in the countries shown on the Green Card; damage occurring in a country that is not listed on (or is crossed out on) the Green Card is explicitly excluded.
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. No fixed number of days is stated in the policy for general damage reporting.
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.
Where to buy
Policy specifics
Accessories coverage
Both Extra ZEKUR Auto (Beperkt Casco) and Super ZEKUR Auto (Volledig Casco) include accessory coverage up to €3,000
SourceOwn 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 documentOwn 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 documentDeductible (own risk) options
Policyholders can choose deductible amounts of €0, €250, or €500 for both Beperkt and Volledig Casco coverages
SourceRepair network requirement
Damage is only covered if repair is arranged through ZEKUR approved repair partners (Schadeherstellers). Repairs outside the network are not reimbursed for Beperkt Casco, but alternative payment method may apply for Volledig Casco
SourceInsurers' association documentGlass damage conditions
Glass damage (breaks, cracks, or small chips) is only covered if repair/replacement is performed by an approved ZEKUR glass repair specialist
SourceNew 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
SourceSecurity 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
SourceDamage settlement method
ZEKUR settles damage by paying directly to approved repair partners (no out-of-pocket costs for policyholder at approved shops). Outside the network, alternative settlement terms may apply
Source