Standalone policy
Compare Univé personal-liability cover, household eligibility, borrowed-property limits and rental-fire protection before choosing a policy.
2 included · 13 conditional · 1 optional · 1 excluded
Personal quote
145 products
26 insurance types
Checked September 2026
Univé
Univé is represented on Luntero with 145 products across 26 insurance types, each documented from the provider's own policy wording. Compare cover, price basis, eligibility and cancellation terms here, then confirm the current conditions with Univé before you apply.
Range at a glance
7 of 8 insurance families
- Home and belongings: 1313
- Vehicles and mobility: 6060
- Travel: 1212
- Health and care: 3535
- Legal and income: 1616
- Life and funeral: 0
- Pets and animals: 88
- Other cover: 11
- Vehicles and mobility60 products
- Health and care35 products
- Legal and income16 products
- Home and belongings13 products
What Univé offers
Univé is represented across health, dental, buildings, contents, liability, cars, motorcycles, bicycles, boats, campers, caravans, travel, pets, legal expenses and valuables. Numerous entries are add-ons tied to a base policy, and service may involve regional Univé organizations. Use this profile to find the core contract, then verify regional access, module dependencies, care networks, valuation, security, excess, limits and exclusions.
Personal liability
2 productsAdd-on
Check the Univé hunting endorsement’s named-person requirements, European territory and Dutch guest-hunter rules before arranging cover.
2 conditional
Personal quote
Contents
2 productsStandalone policy
Understand univé contents insurance before choosing cover for your home or belongings.
2 included · 1 conditional
Personal quote
Add-on
Understand univé belongings away from home before choosing cover for your home or belongings.
1 included
Personal quote
Buildings
1 productStandalone policy
Understand univé buildings insurance before choosing cover for your home or belongings.
2 included
Personal quote
Valuables
7 productsStandalone policy
Compare Univé camera cover, accessory limits, valuation documents and business-use restrictions before insuring your photography equipment.
2 included · 3 conditional · 3 excluded
Personal quote
Standalone policy
Compare Univé hearing-aid cover for loss, damage and theft, including traditional aids, BAHA/CI devices and overlap with health insurance.
2 included · 2 conditional · 7 excluded
Personal quote
Standalone policy
Check Univé jewellery cover for loss and theft, appraisal requirements, home-insurance eligibility and how older items are valued.
2 included · 3 conditional · 2 excluded
Personal quote
Standalone policy
Compare Univé cover for named medical equipment such as CPAP devices and insulin pumps, with accessory limits and other-insurance rules.
2 included · 2 conditional · 8 excluded
Personal quote
Standalone policy
Compare Univé mobile-electronics cover, accessory limits, invoice requirements and electrical-fault exclusions for your laptop, tablet or phone.
2 included · 2 conditional · 4 excluded
Personal quote
Standalone policy
Compare Univé musical-instrument cover, accessory limits, valuation requirements and paid-performance restrictions before insuring your instrument.
2 included · 3 conditional · 3 excluded
Personal quote
Glass
1 productAdd-on
Understand univé home glass add-on before choosing cover for your home or belongings.
1 included
Personal quote
Car
7 productsStandalone policy
Adds own-car collision damage, including at-fault accidents, and vandalism.
2 included · 5 conditional
Personal quote
Standalone policy
Covers liability for damage caused to others; damage to your own car is excluded.
2 included · 1 excluded
Personal quote
Standalone policy
Adds specified risks such as theft, fire, storm and glass damage to third-party liability.
2 included · 5 conditional
Personal quote
Add-on
Optional freedom to choose a Dutch repair shop for covered glass and other car damage under WA+ or All Risk.
1 included · 1 conditional
Personal quote
Add-on
Nieuwwaarderegeling 3 jaar: Optional extension of the qualifying valuation period to three years with WA+ or All Risk.
1 conditional
Personal quote
Add-on
Aanschafwaarderegeling 3 jaar: Optional extension of the qualifying valuation period to three years with WA+ or All Risk.
1 conditional
Personal quote
Motorcycle
5 productsStandalone policy
All Risk includes accidental collision and fall damage as well as specified theft, fire and storm events.
1 included · 5 conditional
Personal quote
Standalone policy
WA covers liability to others. Your own motorcycle, clothing and accessories are outside this tier.
1 included · 1 excluded
Personal quote
Standalone policy
WA Plus covers specified theft, fire and storm events affecting your motorcycle. It does not cover your own collision damage.
1 included · 5 conditional
Personal quote
Add-on
An All Risk option based on the new value of an eligible first-owned motorcycle after insured theft or total loss.
1 conditional
Personal quote
Add-on
An All Risk option protecting the purchase price of an eligible used motorcycle, with depreciation after the initial three-year period.
1 conditional
Personal quote
Moped and scooter
5 productsStandalone policy
Liability, theft and damage protection for your moped.
2 included · 3 conditional
Personal quote
Standalone policy
Bromfietsverzekering WA: Liability protection for damage caused to other people and their property.
1 included · 1 excluded
Personal quote
Standalone policy
Moped liability cover with protection for specified theft, fire and storm damage.
1 included · 3 conditional
Personal quote
Standalone policy
Liability, theft and damage protection for your speed pedelec.
2 included · 3 conditional
Personal quote
Standalone policy
Speed pedelec verzekering WA: Liability protection for damage caused to other people and their property.
1 included · 1 excluded
Personal quote
Bicycle
4 productsStandalone policy
Compare Univé bicycle cover using the insured value, required locks and optional assistance.
1 included · 1 conditional
Personal quote
Standalone policy
Compare cover for your electric bicycle, including breakdown assistance and optional accident benefits.
2 included · 1 conditional
Personal quote
Add-on
Optional lump-sum benefits for permanent impairment or death following an insured cycling accident.
2 included
Personal quote
Add-on
An optional pickup service for ordinary bicycles; included with Univé electric bicycle insurance.
1 included
Personal quote
Mobility scooter
2 productsStandalone policy
Liability plus theft, collision and other qualifying damage to your mobility scooter, with a €100 excess for scooter damage.
1 included · 6 conditional · 1 excluded
Personal quote
Standalone policy
Third-party liability cover for your mobility scooter, with no liability excess. Damage to the scooter itself requires All Risk.
1 included · 1 conditional · 2 excluded
Personal quote
Classic vehicle
3 productsStandalone policy
Liability and broader accidental damage cover for a classic vehicle.
1 included · 3 conditional · 1 excluded
Personal quote
Standalone policy
Liability cover for your hobby vehicle.
1 included · 2 excluded
Personal quote
Standalone policy
Liability and specified theft, fire and glass cover for a classic vehicle.
1 included · 3 conditional · 1 excluded
Personal quote
Caravan
7 productsStandalone policy
Vouwwagenverzekering: Cover for the declared caravan or trailer, with selectable valuation and equipment protection.
1 included · 2 conditional · 1 excluded
Personal quote
Standalone policy
Stacaravanverzekering: Cover for the declared caravan or trailer, with selectable valuation and equipment protection.
1 included · 3 conditional · 1 excluded
Personal quote
Standalone policy
Toercaravanverzekering: Cover for the declared caravan or trailer, with selectable valuation and equipment protection.
2 conditional · 1 optional · 1 excluded
Personal quote
Add-on
Selectable protection for declared equipment and belongings.
1 conditional
Personal quote
Add-on
Optional new-value valuation for a qualifying new caravan.
1 conditional
Personal quote
Add-on
Optional purchase-value protection for a qualifying second-hand purchase.
1 conditional
Personal quote
Camper
6 productsStandalone policy
Liability and broader motorhome damage protection, including qualifying collisions you cause.
1 included · 6 conditional
Personal quote
Standalone policy
Liability cover for damage caused to other people and their property.
1 included · 2 excluded
Personal quote
Standalone policy
Liability plus specified motorhome risks such as theft, fire and glass damage.
1 included · 5 conditional · 1 excluded
Personal quote
Add-on
Optional valuation arrangement for a qualifying first-owner camper insured for at most €85,000 including VAT.
1 conditional
Personal quote
Add-on
Optional valuation arrangement for a qualifying second-hand camper insured for at most €85,000 including VAT.
1 conditional
Personal quote
Add-on
Optional cover for declared rental use with All Risk and both Dutch and foreign breakdown options.
1 conditional
Personal quote
Trailer
1 productStandalone policy
All Risk cover for trailers, including qualifying collision and theft damage, with a first-year new-value guarantee for eligible trailers.
1 included · 5 conditional · 1 optional
Personal quote
Boat
5 productsStandalone policy
Boat liability insurance with a published €5 million limit and separately selectable damage, theft and assistance options.
1 included · 2 conditional · 2 optional
Personal quote
Add-on
Optional protection for sudden damage to the boat, with conditional inherent-defect and contents benefits.
5 conditional
Personal quote
Add-on
Optional valuation for a boat under three years old, supported by its original purchase invoice.
1 conditional
Personal quote
Add-on
Optional valuation for a boat owned for less than three years, supported by its original purchase invoice.
1 conditional
Personal quote
Add-on
Optional theft and break-in protection with contents cover linked to the insured vessel value.
4 conditional
Personal quote
Breakdown assistance
9 productsAdd-on
Pechhulp Motorrijtuigen doorlopend: Optional roadside assistance for a qualifying vehicle on a foreign trip, with conditional replacement transport or a return home.
3 conditional · 1 excluded
Personal quote
Add-on
Optional quayside assistance with up to five call-outs per insurance year and one paid hour per visit.
1 conditional
Personal quote
Add-on
Optional foreign roadside assistance with conditional short-term transport or return-home arrangements.
5 conditional
Personal quote
Add-on
Optional Dutch roadside help and recovery, with annual call-out limits.
1 conditional
Personal quote
Add-on
Optional assistance in Green Card countries, with limited protection in the Netherlands connected to foreign travel.
3 conditional
Personal quote
Add-on
Optional Dutch roadside assistance, including your hometown, with vehicle recovery and conditional replacement transport.
2 conditional
Personal quote
Vehicle occupants
6 productsAdd-on
Optional protection for qualifying occupant injury and belongings, with a published €1 million shared accident limit.
2 conditional
Personal quote
Add-on
Optional cover for driver and passenger losses after an insured accident, with a shared €1 million event limit.
1 included · 2 conditional
Personal quote
Add-on
Optional occupant protection for classic cars and tractors.
1 included
Personal quote
Add-on
Optional occupant protection for classic motorcycles and mopeds.
2 included
Personal quote
Add-on
Optional benefits following permanent impairment or death in an insured moped or speed pedelec accident.
2 included
Personal quote
Add-on
Optional permanent impairment and death benefits for insured motorcycle occupants.
2 included
Personal quote
Travel
10 productsStandalone policy
Doorlopende reisverzekering: Travel assistance and emergency transport, with optional baggage, medical-expense and cancellation cover.
1 included · 3 optional
Personal quote
Standalone policy
Annual worldwide travel assistance and emergency medical cover for trips up to 60 consecutive days, including winter sports.
25 conditional
€3.70/month
Standalone policy
Kortlopende reisverzekering: Travel assistance and emergency transport, with optional baggage, medical-expense and cancellation cover.
1 included · 3 optional
Personal quote
Add-on
Bagage en geld doorlopend: Optional baggage cover with a selected limit of €1,000, €2,500 or €3,500 per person per trip.
12 conditional
Personal quote
Add-on
Extends the annual travel policy to specified business activities when selected on the schedule.
1 conditional
Personal quote
Add-on
Medische kosten doorlopend: Optional medical-expense cover supplementing Dutch health insurance during insured travel.
9 conditional · 1 excluded
Personal quote
Travel cancellation
2 productsStandalone policy
Doorlopende annuleringsverzekering: Cancellation and interruption cover for specified unexpected reasons, available separately from travel assistance.
24 conditional · 1 optional
Personal quote
Standalone policy
Kortlopende annuleringsverzekering: Cancellation and interruption cover for specified unexpected reasons, available separately from travel assistance.
23 conditional
Personal quote
Basic health
4 productsStandalone policy
2026Natura basic health insurance at €149.90 per adult per month with the €385 statutory excess.
2 conditional
€149.90/month
Standalone policy
2026Natura basic health insurance at €155.00 per adult per month with the €385 statutory excess.
2 conditional
€155/month
Standalone policy
2026Natura basic health insurance at €147.40 per adult per month with the €385 statutory excess.
2 conditional
€147.40/month
Standalone policy
2026Combination basic health insurance at €173.20 per adult per month with the €385 statutory excess.
2 conditional
€173.20/month
Supplementary health
16 productsAdd-on
2026A €41.00 monthly supplement with 20 therapy sessions and a €500 annual prevention budget.
37 conditional
€41/month
Add-on
2026A €26.00 monthly supplement with 12 therapy sessions and a €400 annual prevention budget.
31 conditional · 4 excluded
€26/month
Add-on
2026A €9.25 monthly supplement with 6 therapy sessions and a €200 annual prevention budget.
16 conditional · 17 excluded
€9.25/month
Add-on
2026A Zorg Select supplement for emergency medical care abroad and repatriation, with 3 therapy sessions per calendar year.
3 conditional
€4/month
Add-on
2026A Zorg Select supplement for emergency medical care abroad and repatriation, with 6 therapy sessions per calendar year.
3 conditional
€7/month
Add-on
2026A Zorg Select supplement for emergency medical care abroad and repatriation.
2 conditional · 1 excluded
€2/month
Dental
9 productsStandalone policy
Up to €20,000 per accident for approved restorative dental care, including necessary emergency treatment abroad.
1 conditional
€1.50/month
Add-on
2026A Zorg Select dental option reimbursing 75% of eligible costs within one shared €250 annual budget.
4 conditional
€11.50/month
Add-on
2026A Zorg Select dental option reimbursing 75% of eligible costs within one shared €500 annual budget.
4 conditional
€21.50/month
Add-on
2026A €52.00 monthly dental supplement with a shared €1000 annual dental budget and separate accidental-damage cover.
7 conditional · 1 excluded
€52/month
Add-on
2026A €26.00 monthly dental supplement with a shared €500 annual dental budget and separate accidental-damage cover.
5 conditional · 2 excluded
€26/month
Add-on
2026A €9.50 monthly dental option with separate consultation, cleaning and selected-treatment benefits, plus accidental dental damage cover.
4 conditional · 3 excluded
€9.50/month
Personal accident
6 productsStandalone policy
Compare Univé accident-cover choices for permanent impairment, accidental death, temporary mobility support and dental restoration.
4 optional
Personal quote
Standalone policy
Up to €2,500 per accident for approved practical help when an accident limits mobility for at least four weeks.
1 conditional
€2.25/month
Add-on
Ongevallendekking doorlopend: Optional accident benefits of up to €75,000 for permanent impairment and €25,000 for death.
2 conditional
Personal quote
Add-on
Optional accident benefits with published maxima of €100,000 for permanent impairment and €25,000 for death per person.
2 conditional
Personal quote
Add-on
An optional lump-sum benefit for permanent impairment or death following a qualifying mobility scooter accident.
2 conditional
Personal quote
Add-on
Ongevallendekking kortlopend: Optional accident benefits of up to €75,000 for permanent impairment and €25,000 for death.
2 conditional
Personal quote
Legal expenses
16 productsStandalone policy
Compare Univé consumer and housing legal cover with the disputes and legal costs you want to insure.
3 conditional
Personal quote
Standalone policy
Compare Univé traffic and vehicle legal cover with the disputes and legal costs you want to insure.
3 conditional
Personal quote
Bundle
Compare the combined traffic and consumer/home base modules before selecting additional legal cover.
3 conditional
Personal quote
Add-on
Compare Univé benefits and pension legal cover as an addition to a legal-expenses base policy.
1 conditional
Personal quote
Add-on
Optional legal assistance for qualifying boating losses and boat-related business contracts.
4 conditional
Personal quote
Add-on
Optional legal assistance for qualifying camper traffic and contract disputes, handled by Univé Rechtshulp.
2 conditional
Personal quote
Pet
8 productsStandalone policy
Accident-only veterinary cover for a cat, including the option available to older pets joining Univé.
1 included · 1 excluded
Personal quote
Standalone policy
Compare univé cat insurance with your pet’s likely expenses and the amount you can pay yourself.
1 included
Personal quote
Standalone policy
Accident-only veterinary cover for a dog, including the option available to older pets joining Univé.
1 included · 1 excluded
Personal quote
Standalone policy
Compare univé dog insurance with your pet’s likely expenses and the amount you can pay yourself.
1 included
Personal quote
Add-on
Compare univé cat dental and preventive care with your pet’s likely expenses and the amount you can pay yourself.
2 included
Personal quote
Add-on
Compare univé cat mobility cover with your pet’s likely expenses and the amount you can pay yourself.
1 included
Personal quote
Electronics
1 productAdd-on
Understand univé mobile electronics contents add-on before choosing cover for your home or belongings.
1 included
Personal quote
At a glance
- Products documented
- 145
- Insurance types
- 26
- Standalone policies
- 54
- Add-ons and modules
- 90
- Bundles
- 1
- Policy languages
- NL
- How you apply
- Website, Adviser, Phone
Product details for Univé were last checked by Luntero in September 2026. Premiums, conditions and availability change, so confirm the current policy terms on the provider's own website before you apply.
Official Univé links
Luntero is not the insurer, broker or adviser. Quotes, applications and claims run through the provider.
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- Legal and income: 1111
- Life and funeral: 22
- Pets and animals: 0
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Locate the Univé base policy and region
Choose the risk and core cover, identify the relevant regional route, then add only necessary modules. Confirm dependencies, provider access, valuation, security, excess, limits, premium and exclusions.
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Eigen risico, inboedel, aansprakelijkheid and the other words that decide what a policy pays. The glossary explains them next to the Dutch original.
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