Insurer profile
Univé Cooperative U.A.
Univé Cooperative U.A. · Netherlands
Overview
Univé is a Dutch cooperative insurer without a profit motive, formed in its present form in 1991 through the merger of regional cooperatives DLG (Assen) and Novo (Zwolle), with its oldest predecessor mutual dating back to 1794. It offers property, motor, travel, health, life and business insurance as well as mortgages, mainly through a network of around 100-150 local stores run by regional member cooperatives.
Source54
Products in this market
1
Offer pages
Company details
- Regulator
- De Nederlandsche Bank (DNB) and the Netherlands Authority for the Financial Markets (AFM)
- Phone
- 0900-0285
- [email protected]
Products from Univé Cooperative U.A.
Motor15
Car insurance
Customizable car insurance with a choice of WA (liability), limited casco or all-risk coverage.
Motorcycle insurance
Motorcycle insurance with coverage from third-party liability to all-risk.
Moped/scooter insurance
Insurance for mopeds and scooters.
Camper van insurance
Insurance for camper vans/motorhomes.
Classic car insurance
Insurance tailored to classic/vintage vehicles.
Mobility scooter insurance
Insurance for mobility scooters.
Private lease insurance
Insurance package related to privately leased vehicles.
Trailer insurance
Insurance for trailers used for business purposes.
Company car insurance
Insurance for company cars with WA, WA+ or all-risk cover.
Delivery van insurance
Insurance for delivery vans used for business.
Business moped insurance
Moped insurance for business use.
Business motorcycle insurance
Motorcycle insurance for business use.
Business passenger car insurance
Business passenger car insurance with WA, WA+ or all-risk cover.
Tractor insurance
Insurance for tractors used in business (e.g. agricultural).
Truck insurance
Insurance for trucks used for business purposes.
Property16
Caravan insurance
Insurance covering caravans against damage and theft.
Bicycle insurance (incl. e-bike)
Insurance for bicycles and e-bikes against theft and damage.
Boat insurance
Insurance for boats.
Home insurance (contents & building)
Combined contents and building insurance with up to 10% package discount and standard under-insurance guarantee.
Contents insurance
Insures household contents against damage, with a standard guarantee against under-insurance.
Building insurance
Insures the physical structure of an owned home against damage.
Home safety service/insurance
Home safety related product/service to reduce risk of burglary and damage.
Valuables insurance
Additional cover for valuable items beyond standard contents insurance limits.
Construction all-risk insurance
All-risk insurance for construction projects.
Goods in transit insurance
Insures goods transported or stored overnight in a company vehicle, including lost profit.
Work equipment insurance
Insurance for construction and work equipment/machinery.
Business interruption insurance
Covers loss of income following a covered event disrupting business operations.
Building insurance (commercial)
Insures commercial buildings against damage.
Movable property insurance
Covers movable business property against damage.
Inventory/stock insurance
Covers business inventory and stock against damage such as fire and theft, with cybercrime damage included up to €10,000.
Glass insurance
Covers breakage of glass in business premises.
Health5
Accident insurance
Pays out a lump sum in case of permanent disability or death due to an accident.
Health insurance
Basic and supplementary health insurance including dental cover, with online claims and app support.
Collective health insurance
Group/collective health insurance plans, e.g. for employers.
Sick leave insurance
Covers costs of continued salary payment for sick employees.
Disability/income protection insurance
Provides income protection for self-employed/business owners in case of illness or accident.
Liability8
Legal expenses insurance
Legal expenses insurance providing immediate legal help for conflicts, with no deductible, used by over 408,000 members.
Personal liability insurance
Personal liability insurance covering damage caused to third parties.
Business liability insurance (AVB)
Covers claims for damage a business causes to third parties or their property, including up to €10,000 (extendable) for cybercrime-related damage.
Professional liability insurance
Additional cover to business liability insurance for SMEs against professional errors, only available combined with the AVB.
Directors & officers liability insurance
Covers personal liability of company directors/board members.
Business legal expenses insurance
Legal assistance for business conflicts, including debt collection service and legal prevention check.
Environmental damage insurance
Covers costs related to environmental damage caused by a business.
Employee damage insurance
Covers damage/injury sustained by employees during work-related activities.
Life2
Term life insurance
Term life insurance paying out a lump sum to beneficiaries upon death, often linked to mortgages.
Funeral insurance
Insurance to cover funeral costs.
Financial5
Pension (individual)
Individual pension products.
Mortgage advice
Independent mortgage advice comparing over 40 lenders, working with Vereniging Eigen Huis.
Insurance package (bundle)
A bundle allowing customers to combine up to 8 different insurance policies for a package discount of up to 10%.
Employee pension
Pension scheme arrangements for employees.
Pensions for entrepreneurs
Pension products for self-employed business owners.
Regulatory updates
Univé's insurance entities (e.g. N.V. Univé Schade, Univé Noord-Nederland Verzekeraar N.V., Univé Oost Brandverzekeraar N.V.) are listed in the DNB public register for insurers, holding Solvency II authorizations that were converted from earlier Wft (article 2:27) licenses as of 1 January 2016. N.V. Univé Schade (AFM licence number 12000664, KvK 04073729) is also listed in the AFM register of financial service providers, based at Jan Bommerstraat 4, Assen. No adverse enforcement actions against Univé were found in recent DNB or AFM publications.
Reputation and reviews
Offer pages
Travel insurance
travel insurance from Univé for the Netherlands market, with online purchase and 24/7 assistance.
Last verified Sep 1, 2026