Onderlinge Verzekering Maatschappij ZLM U.A.
ZLM
ZLM is a motor casco insurance for the Netherlands market with online purchase and limited assistance availability.
Direct payment
If a ZLM-cooperating repair shop carries out the repair, ZLM pays the damage directly to the repairer
Geographic scope
Available to residents of the provinces of Noord-Brabant and Zeeland
Covered in the countries listed on the international insurance certificate (green card): Europe, Israel, Morocco, Tunisia and Turkey
Unique selling points
- Using a ZLM-cooperating repairer eliminates the deductible entirely, provides a free replacement vehicle during repair, and settles the claim directly with the repairer
- Roadside assistance abroad is included as standard on the allrisk policy, covering emergency repairs, parts dispatch and even a replacement driver
- Legal cost recovery assistance (verhaalsbijstand) via the independent Stichting Rechtsbijstand ZLM is included as standard, at no extra cost
- Customers combining multiple ZLM policies receive an 8% package discount on top of already competitive premiums
- Young drivers completing ZLM's GRIP training receive two extra no-claim discount steps, saving up to 23% on their premium
Coverage limits
Own vehicle damage
100% of insured sum
All damage to your own car is covered, including damage caused by your own fault, up to the amount stated on the policy schedule
Total loss / theft valuation
Conditional
On total loss or theft within 24 months of purchase, the full new value or purchase value is paid; in months 25-36 a 1% per month depreciation applies; after 36 months only the daily value is paid. Applies only if new-value/purchase-value scheme eligibility criteria are met (first owner, non-lease, non-import, max €100,000 new value, etc.)
Partial damage
100% of insured sum
Partial damage is reimbursed up to the difference between the value immediately before and the residual value after the event, up to the insured amount
Theft, embezzlement and joyriding
100% of insured sum
Theft of the car, parts or accessories, embezzlement, break-in and joyriding are covered, but only if the vehicle meets the specified anti-theft/security requirements stated on the policy schedule
Glass damage
100% of insured sum
A broken window or sunroof, including damage from glass shards, is covered. Glass repair is only reimbursed if performed by a ZLM-cooperating repairer (no deductible); glass replacement is covered at any repairer but costs €45 with a cooperating repairer versus €135 elsewhere
Fire and natural perils
100% of insured sum
Damage from fire, explosion, self-ignition, short-circuit or lightning is covered, as well as storm (wind force 7 or more) and natural violence such as earthquake, avalanche, flood or hail
Vandalism
100% of insured sum
Damage caused by vandalism is covered under the full casco (allrisk) coverage, unlike the limited casco coverage which excludes it
Roadside/breakdown assistance
Covered
In the Netherlands, assistance is provided when the car cannot be driven after a covered event or the EV battery is flat/broken (pure mechanical/electronic breakdown is excluded domestically). Abroad, allrisk policyholders also get roadside emergency repair, towing to the nearest garage, parts dispatch (prepayment required above €1,000) and a replacement driver; transport to the Netherlands only if repair is not possible within 48 hours
Replacement vehicle / rental allowance
€15
Free replacement transport is provided while the car is repaired by a ZLM-cooperating repairer. Separately, on theft or embezzlement of the own car, a rental car allowance of up to €15 per day for a maximum of 30 days is paid
Passenger accident insurance (SVI)
€1,000,000
An optional add-on that pays out for personal injury of the driver and passengers after an accident regardless of fault, including loss of income, household help, medical costs, pain and suffering, and funeral costs, plus damage to baggage/clothing, up to €1,000,000
Key conditions
Driver age and experience limit
No general driver age limit is stated; the driver must hold a valid driving licence. If a driver forgot to renew an expired licence in time and is younger than 75, cover still applies. Drivers under supervised (2toDrive) rules must comply with the accompanying-driver requirements
Repair network requirements
You have free choice of repairer for all damage. Repairing via a ZLM-cooperating repairer gives you no deductible, free replacement transport during repair and direct payment of the claim to the repairer. Glass repair is only insured if carried out by a cooperating repairer
Territorial scope
The policy applies in the countries listed on the international insurance certificate (green card): Europe, Israel, Morocco, Tunisia and Turkey. The policy ends automatically if the car is used outside the European Union for more than 3 months
Anti-theft requirements
Theft is not covered if the car does not meet the stated security requirements. For vehicles under 3 years old with a catalogue value between €60,000 and €75,000, an SCM alarm class is required (class unspecified in source); above €75,000, SCM Alarm Class 4 is required for vehicles under 3 years old; vehicles between 3 and 5 years old require SCM Alarm Class 3
Claim notification deadline
Damage must be reported as soon as possible. In case of break-in, vandalism, theft or embezzlement, the policyholder must immediately report to the police in the municipality where it occurred; no specific number of days is stated for general damage notification
Deductible rules
The deductible is €135 per event for own-car damage, waived entirely if a ZLM-cooperating repairer carries out the repair. For glass replacement the deductible is €45 with a cooperating repairer versus €135 elsewhere; glass repair is only insured via a cooperating repairer, with no deductible
Where to buy
Policy specifics
Rental car allowance on theft or disappearance
Coverage includes allowance for rental car costs in case of theft or disappearance of own vehicle
SourceAccessories coverage limit
Standard coverage for vehicle accessories included up to a maximum amount per damage claim
SourceNew value guarantee for total loss or theft
For allrisk coverage, if vehicle declared total loss or stolen within defined timeframe, policyholder receives full new value or purchase price
SourceDeductible varies by repair network participation
Deductible structure differs depending on whether repair is performed by ZLM-cooperating workshop or independent repairer
SourceEmergency roadside repair costs
Coverage for emergency/temporary roadside repairs needed to enable continued travel
SourceRepair network cooperation for cost coverage
Certain repair services are only fully covered when performed by ZLM-cooperating repair workshops; out-of-network repairs may have higher deductibles or limited coverage
SourceBreakdown assistance geographic coverage
Breakdown/roadside assistance for allrisk coverage includes support abroad but with specific geographic and procedural limitations
SourceNew value guarantee eligibility - first owner requirement
New value guarantee applies only if policyholder is the first registered owner of the vehicle or vehicle was maximum 6 months old with under 1,000 km when purchased
Source