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
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.
Source38
Products in this market
3
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 protected]
Products from Coöperatie Univé U.A., trading as ZEKUR (health products underwritten by VGZ Zorgverzekeraar N.V.)
Motor6
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.
Property11
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.
Health9
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.
Liability7
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.
Travel3
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.
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.
Reputation and reviews
Offer pages
Casco (own-damage car insurance)
casco (own-damage car insurance) from ZEKUR for the Netherlands market, with online purchase and 24/7 assistance.
Last verified Sep 1, 2026
Motor third-party liability
motor third-party liability insurance from ZEKUR for the Netherlands market, with online purchase and 24/7 assistance.
Last verified Sep 1, 2026
Travel insurance
travel insurance from ZEKUR for the Netherlands market, with online purchase and 24/7 assistance.
Last verified Sep 1, 2026