Onderlinge Waarborgmaatschappij ZLM U.A.
ZLM is represented on Luntero with 25 products across 18 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 ZLM before you apply.
Range at a glance
5 of 8 insurance families
ZLM is represented through car, van, motorcycle, moped, bicycle, camper, caravan and trailer insurance, plus buildings, contents, liability, travel, legal expenses, accidents and valuables cover. Regional eligibility is an essential first check. Vehicle products use WA and casco levels with additions such as value guarantees or occupant cover. Use this profile to select the risk and structure, then verify service area, valuation, security, assistance, excess, package overlap and exclusions.
Covers qualifying accidental injury or property damage for which an insured is legally liable, including stated situations involving babysitting, staying with others, a friend service, volunteer work, the insured home and borrowed items.
4 included
Current ZLM product: Inboedelverzekering, with the cover, limits and eligibility published for this exact product or tier.
1 conditional
Covers qualifying building damage from fire, precipitation, storm, leakage, burglary, collision and vandalism, plus stated falling objects, escaped water, mitigation and clean-up costs.
7 included
Covers listed valuables for qualifying damage, loss, disappearance or theft worldwide.
4 included
Current ZLM product: Glasverzekering, with the cover, limits and eligibility published for this exact product or tier.
1 conditional
Current ZLM product: Bestelautoverzekering allrisk, with the cover, limits and eligibility published for this exact product or tier.
1 conditional
Current ZLM product: Bestelautoverzekering WA, with the cover, limits and eligibility published for this exact product or tier.
1 conditional
Current ZLM product: Personenautoverzekering allrisk, with the cover, limits and eligibility published for this exact product or tier.
1 conditional
Mandatory third-party car insurance covering qualifying damage caused to other people and their property.
4 included
Current ZLM product: Personenautoverzekering WA + beperkt casco, with the cover, limits and eligibility published for this exact product or tier.
1 conditional
Current ZLM product: Motorverzekering, with the cover, limits and eligibility published for this exact product or tier.
1 conditional
Current ZLM product: Bromfietsverzekering, with the cover, limits and eligibility published for this exact product or tier.
1 conditional
Current ZLM product: Fietsverzekering, with the cover, limits and eligibility published for this exact product or tier.
1 conditional
Current ZLM product: Oldtimerverzekering, with the cover, limits and eligibility published for this exact product or tier.
1 conditional
Current ZLM product: Caravanverzekering, with the cover, limits and eligibility published for this exact product or tier.
1 conditional
Current ZLM product: Kampeerautoverzekering, with the cover, limits and eligibility published for this exact product or tier.
1 conditional
Current ZLM product: Aanhangwagenverzekering, with the cover, limits and eligibility published for this exact product or tier.
1 conditional
Current ZLM product: Ongevallenverzekering in- en opzittenden, with the cover, limits and eligibility published for this exact product or tier.
1 conditional
Current ZLM product: Schadeverzekering inzittenden, with the cover, limits and eligibility published for this exact product or tier.
1 conditional
Current ZLM product: Doorlopende reisverzekering, with the cover, limits and eligibility published for this exact product or tier.
1 conditional
The base package covers qualifying unforeseen transport and accommodation costs after illness, accident or death, repatriation or a funeral abroad, assistance after failure of the insured vehicle, replacement travel documents, emergency assistance, rescue and specified communication costs.
4 included
Current ZLM product: Doorlopende annuleringsverzekering, with the cover, limits and eligibility published for this exact product or tier.
1 conditional
Covers qualifying cancellation costs or interruption of one trip when an insured, unforeseen event in the wording occurs, such as serious illness, death, divorce, unemployment, pregnancy or unexpected allocation or completion of a home.
2 included
Pays the selected amount after accidental death and a one-time benefit for permanent disability according to the affected body part and degree of disability.
4 included
The mandatory Basis module covers stated private disputes including consumer agreements, health, pensions or social benefits, selected family matters after the first year, traffic injury or damage, inheritance, the Dutch home, neighbours, health insurers, government and education.
3 included
At a glance
Product details for ZLM 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 ZLM links
Luntero is not the insurer, broker or adviser. Quotes, applications and claims run through the provider.
Providers that cover the same kinds of insurance as ZLM, so you can compare coverage points, price basis and eligibility side by side.
Insurance provider
7 families covered · Vehicles and mobility, Health and care, Legal and income
N.V. Noordhollandsche van 1816, Schadeverzekeringsmaatschappij
6 families covered · Vehicles and mobility, Home and belongings, Legal and income
Insurance provider
6 families covered · Vehicles and mobility, Health and care, Travel
OVM Onderlinge Verzekeringen U.A.
5 families covered · Vehicles and mobility, Home and belongings, Travel
Confirm that your address and risk fall within ZLM’s current service rules, then choose the vehicle or household cover level. Verify value guarantees, security, assistance, excess, limits and exclusions.
Find a provider by name or the insurers that offer a specific type of policy, then open the products behind it.
Search providersLiability, contents, health, travel, vehicles and more, grouped into families with live product counts.
See insurance typesEigen risico, inboedel, aansprakelijkheid and the other words that decide what a policy pays. The glossary explains them next to the Dutch original.
Open the glossaryExplore the latest properties added to Luntero. Find new apartments, houses, and studios across the Netherlands — updated daily to help you discover your next home faster.
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