Insurer profile
Onderlinge Verzekering Maatschappij ZLM U.A.
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- Legal entity
- Onderlinge Verzekering Maatschappij ZLM U.A.
- Headquarters
- Goes, Netherlands
- Regulator
- De Nederlandsche Bank (DNB) and the Netherlands Authority for the Financial Markets (AFM)
- Phone
- +31 113 238 000
- info@zlm.nl
- Founded
- 1951
- Last verified
- Sep 1, 2026
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.
motor
Car insurance WA + limited casco
Adds partial own-damage cover (theft, fire, glass, storm) on top of the mandatory liability cover.
motor
Car insurance Allrisk (full casco)
Full comprehensive cover for the policyholder's own car regardless of fault, plus liability cover.
motor
Passenger accident insurance (SVI)
Covers material and personal injury damage for all occupants of a car in the event of an accident.
motor
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.
motor
Van insurance
Liability and optional casco insurance for commercial vans, available as WA or Allrisk.
motor
Moped insurance
Affordable liability and casco insurance for mopeds with fast claims handling.
motor
Motorcycle insurance
Liability and optional casco cover for motorcycles, with recovery assistance included.
motor
Motorhome insurance
Liability (WA) or all-risk cover for motorhomes/campers, including breakdown assistance abroad.
motor
Caravan insurance
Covers damage to or loss of a caravan, awning, contents and accessories, including transport after an accident.
motor
Classic car (oldtimer) insurance
Insurance tailored to classic cars, covering liability and casco damage.
motor
Trailer insurance
Insurance for damage to or caused by a trailer coupled to a vehicle.
other
Bicycle insurance
Covers theft of and damage to (electric) bicycles, with recovery assistance included.
property
Agricultural machinery insurance
Insurance for agricultural equipment and machinery against damage and liability risks.
property
Building (home) insurance
Covers damage to the home and attached buildings from fire, storm, water damage and burglary, with guaranteed sufficient cover.
property
Contents insurance
Covers household contents against fire, theft, water damage and other risks, with guaranteed sufficient cover.
property
Valuables insurance
Extends cover for valuable items such as jewellery outside the home, worldwide.
property
Glass insurance
Covers breakage of windows in a rented home, taken out alongside contents insurance.
liability
Personal liability insurance (AVP)
Covers up to €2,500,000 for damage accidentally caused by the policyholder or family members to third parties.
travel
Continuous travel insurance
Year-round travel insurance covering medical costs, luggage, and assistance abroad.
travel
Temporary travel insurance
One-off trip travel insurance covering medical costs, luggage and travel assistance.
travel
Continuous cancellation insurance
Reimburses the cost of a booked trip if it has to be cancelled or cut short, valid all year.
travel
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.
liability
Legal expenses insurance
Provides legal help and advice for resolving disputes, executed via Stichting Rechtsbijstand ZLM.
health
Family Accident Insurance
Lump-sum payout for family members in case of death or permanent disability due to an accident.
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.
Reputation and reviews
Offer pages
Motor casco
ZLM is a motor casco insurance for the Netherlands market with online purchase and limited assistance availability.
Last verified Sep 1, 2026
Motor third-party liability
ZLM is a motor third-party liability insurance for the Netherlands market with online purchase and limited assistance availability.
Last verified Sep 1, 2026
Travel insurance
ZLM is a travel insurance for the Netherlands market with online purchase and 24/7 assistance.
Last verified Sep 1, 2026