Insurer profile

Onderlinge Verzekering Maatschappij ZLM U.A.

Onderlinge Verzekering Maatschappij ZLM U.A. · Netherlands

Founded 1951Goes, NetherlandsLast verified Sep 1, 2026

Overview

ZLM Verzekeringen is a Dutch mutual insurance company (onderlinge verzekeringsmaatschappij) with no shareholders, offering non-life insurance products exclusively to residents and businesses in the provinces of Zeeland and Noord-Brabant. Because it has no profit motive, it aims to keep premiums low while offering personal service and fast claims handling.

Source

Products in this market

Offer pages

Company details

Regulator: De Nederlandsche Bank (DNB) and the Netherlands Authority for the Financial Markets (AFM)
Phone: +31 113 238 000
Email: [email protected]

Official website

Products from Onderlinge Verzekering Maatschappij ZLM U.A.

Motor

Car insurance WA (third-party liability)

Mandatory third-party liability cover for damage caused to others with a car.

Car insurance WA + limited casco

Adds partial own-damage cover (theft, fire, glass, storm) on top of the mandatory liability cover.

Car insurance Allrisk (full casco)

Full comprehensive cover for the policyholder's own car regardless of fault, plus liability cover.

Passenger accident insurance (SVI)

Covers material and personal injury damage for all occupants of a car in the event of an accident.

In- and outrider accident insurance (OVI/OVO)

Provides a fixed payout for permanent disability or death to riders and passengers of motorcycles or cars after an accident.

Van insurance

Liability and optional casco insurance for commercial vans, available as WA or Allrisk.

Moped insurance

Affordable liability and casco insurance for mopeds with fast claims handling.

Motorcycle insurance

Liability and optional casco cover for motorcycles, with recovery assistance included.

Motorhome insurance

Liability (WA) or all-risk cover for motorhomes/campers, including breakdown assistance abroad.

Caravan insurance

Covers damage to or loss of a caravan, awning, contents and accessories, including transport after an accident.

Classic car (oldtimer) insurance

Insurance tailored to classic cars, covering liability and casco damage.

Trailer insurance

Insurance for damage to or caused by a trailer coupled to a vehicle.

Property

Agricultural machinery insurance

Insurance for agricultural equipment and machinery against damage and liability risks.

Building (home) insurance

Covers damage to the home and attached buildings from fire, storm, water damage and burglary, with guaranteed sufficient cover.

Contents insurance

Covers household contents against fire, theft, water damage and other risks, with guaranteed sufficient cover.

Valuables insurance

Extends cover for valuable items such as jewellery outside the home, worldwide.

Glass insurance

Covers breakage of windows in a rented home, taken out alongside contents insurance.

Health

Family Accident Insurance

Lump-sum payout for family members in case of death or permanent disability due to an accident.

Liability

Personal liability insurance (AVP)

Covers up to €2,500,000 for damage accidentally caused by the policyholder or family members to third parties.

Legal expenses insurance

Provides legal help and advice for resolving disputes, executed via Stichting Rechtsbijstand ZLM.

Travel

Continuous travel insurance

Year-round travel insurance covering medical costs, luggage, and assistance abroad.

Temporary travel insurance

One-off trip travel insurance covering medical costs, luggage and travel assistance.

Continuous cancellation insurance

Reimburses the cost of a booked trip if it has to be cancelled or cut short, valid all year.

Temporary cancellation insurance

Covers the cost of a single booked trip if it must be cancelled before departure.

Life

Family accident insurance

Pays out to the family in case of disability or death caused by an accident.

Other

Bicycle insurance

Covers theft of and damage to (electric) bicycles, with recovery assistance included.

Regulatory updates

ZLM operates as a licensed Dutch non-life insurer (KVK number 22009260) under the standard supervision of DNB and AFM; no adverse regulatory actions were found. The company holds the 'Keurmerk Klantgericht Verzekeren' quality mark and was named the most customer-friendly insurer in the Netherlands for 2025 in an independent consumer survey.