Insurer profile

Coöperatie Univé U.A., trading as ZEKUR (health products underwritten by VGZ Zorgverzekeraar N.V.)

Coöperatie Univé U.A., trading as ZEKUR (health products underwritten by VGZ Zorgverzekeraar N.V.) · Netherlands

Founded 2010Zwolle (statutory seat), NetherlandsLast verified Sep 1, 2026

Overview

ZEKUR is a 100% online insurance brand of the Dutch insurer Univé, aimed mainly at young people and students, offering bundled policies for health, home, car, motorcycle, bicycle, van, self-employed (ZZP) and small business (MKB) needs at low premiums.

Source

Products in this market

Offer pages

Company details

Parent group: Univé Groep (Coöperatie Univé U.A.), in cooperation with Coöperatie VGZ U.A. for health insurance
Regulator: Autoriteit Financiële Markten (AFM) and De Nederlandsche Bank (DNB) under the Financial Supervision Act (Wft); affiliated with the Kifid dispute resolution institute
Phone: +31 900 259 3587
Email: [email protected]

Official website

Products from Coöperatie Univé U.A., trading as ZEKUR (health products underwritten by VGZ Zorgverzekeraar N.V.)

Motor

Gewoon ZEKUR Auto (mandatory third-party liability)

Legally required third-party liability car insurance covering damage caused to others.

Extra/Super ZEKUR Auto (Beperkt/Volledig Casco)

Limited or fully comprehensive car casco cover in addition to the mandatory liability insurance.

Gewoon ZEKUR Motor (mandatory third-party liability)

Mandatory WA motorcycle insurance covering damage caused to others.

Extra/Super ZEKUR Motor (Beperkt/Volledig Casco)

Optional casco cover for own motorcycle damage such as fire, storm, theft or accidental damage.

Gewoon ZEKUR Bestelauto (mandatory third-party liability, van)

Mandatory third-party liability insurance for vans covering damage caused to others.

Extra ZEKUR Bestelauto (Beperkt/Volledig Casco, van)

Optional casco cover for vans, protecting against own vehicle damage.

Property

ZEKUR Inboedelverzekering (contents insurance)

Standard household contents insurance against fire, water damage, storm and theft.

ZEKUR Allrisk Inboedelverzekering

All-risk contents cover that also insures accidental self-inflicted damage, included in Extra/Super ZEKUR Wonen.

ZEKUR Opstalverzekering (building insurance)

Buildings insurance for own homes covering fire, storm and water damage, including glass and solar panels.

ZEKUR Allrisk Opstalverzekering

All-risk buildings insurance also covering accidental damage caused by the policyholder.

ZEKUR Buitenshuisverzekering (multimedia/outdoor cover)

Covers valuable portable items such as laptops and phones outside the home, included in Extra/Super ZEKUR Wonen.

ZEKUR ZZP Inventaris en Goederenverzekering

Covers business inventory and stock against damage for self-employed professionals.

ZEKUR ZZP Buitenshuisverzekering

Covers business equipment carried outside business premises for self-employed professionals.

ZEKUR MKB Inventaris en Goederenverzekering

Covers business inventory and stock against damage for small and medium-sized businesses.

ZEKUR MKB Bedrijfsschadeverzekering (business interruption)

Business interruption insurance covering lost income after a covered event for small businesses.

ZEKUR MKB Elektronicaverzekering

Covers business electronics equipment against damage for small and medium-sized businesses.

ZEKUR MKB Huurdersbelangverzekering

Covers a tenant's financial interest in improvements made to a rented business property.

Health

Gewoon ZEKUR Zorg Basis (natura basic health policy)

Low-cost natura (in-kind) basic health insurance policy for essential care.

Gewoon ZEKUR Zorg Plus / Vrij (combination/free-choice basic policy)

Combination policy giving a wider choice of healthcare providers with full reimbursement for non-contracted care in most cases.

Extra ZEKUR Zorg (comprehensive supplementary bundle)

Most complete supplementary health bundle covering dental care, physiotherapy and emergency care abroad.

Aanvullend ZEKUR Tand (dental supplementary insurance)

Stand-alone supplementary dental cover reimbursing a percentage of dental treatment costs.

Aanvullend ZEKUR Fysio (physiotherapy supplementary insurance)

Stand-alone supplementary cover for a set number of physiotherapy treatments per year.

ZEKUR Zorgongevallenverzekering (health accident insurance)

Pays a lump sum for extra costs after an accident causing permanent disability, dental damage or death, on top of the health policy.

ZEKUR Ongevallenverzekering (Wonen)

Personal accident cover offered as part of the home insurance bundles.

ZEKUR ZZP Ongevallenverzekering

Personal accident insurance for self-employed professionals.

ZEKUR MKB Ongevallenverzekering

Personal accident insurance for business owners and staff of small and medium-sized businesses.

Liability

ZEKUR Aansprakelijkheidsverzekering (AVP - personal liability)

Personal liability insurance for damage caused to third parties, included in every home bundle with worldwide cover up to €1,000,000.

ZEKUR Rechtsbijstandverzekering (Wonen)

Legal expenses insurance covering legal advice and costs for private disputes, included in home bundles.

ZEKUR ZZP Bedrijfsaansprakelijkheidsverzekering

General business liability insurance for self-employed professionals (ZZP).

ZEKUR ZZP Beroepsaansprakelijkheidsverzekering

Professional indemnity insurance for self-employed professionals covering errors in professional services.

ZEKUR ZZP Rechtsbijstandverzekering

Legal expenses insurance for self-employed professionals to cover business-related disputes.

ZEKUR MKB Bedrijfsaansprakelijkheidsverzekering

General business liability insurance for small and medium-sized businesses.

ZEKUR MKB Rechtsbijstandverzekering

Legal expenses insurance for small and medium-sized businesses.

Travel

Aanvullend ZEKUR Buitenland & Reis

Supplementary cover reimbursing emergency medical care abroad, combined with a travel insurance element.

ZEKUR Doorlopende Reisverzekering (annual travel insurance)

Annual travel policy covering repatriation, medical costs abroad, luggage and vehicle breakdown while travelling.

ZEKUR Annuleringsverzekering (Annulering Reis)

Optional cancellation insurance addable to the Extra/Super ZEKUR Wonen or Zorg bundles.

Financial

ZEKUR Hypotheken (mortgage referral)

ZEKUR refers customers to Univé's mortgage services for home loans.

Other

ZEKUR Fietsverzekering (bicycle insurance)

Bicycle insurance covering theft and/or damage, with optional legal help and roadside assistance.

Regulatory updates

ZEKUR operates under Coöperatie Univé U.A.'s AFM mediation license (AFM no. 12012158, KvK 05075986) and is affiliated with Kifid under aansluitnummer 300.008224. No insurer-specific enforcement actions against ZEKUR were found; the AFM's broader 2025 annual report highlighted increased market unpredictability and continued supervisory focus on the financial sector generally.