ZEKUR

ZEKUR is an insurance brand of Univé in the Netherlands. Its approach is to group coverage and let each customer choose a combination that fits their circumstances. The range serves households, self-employed workers, and small and midsize businesses; applications and much of the day-to-day account management take place through digital channels.

For health coverage, ZEKUR offers a basic policy, supplemental insurance, and accident coverage. The website separates tasks such as checking reimbursements, submitting medical expenses, and finding health care providers. The ZEKUR Zorg app lets users send questions and review policy information; phone support for this line has different hours from the messaging service. Specific terms depend on the policy purchased.

Home coverage includes options for personal liability, belongings, and the building, with additional coverage that may include travel, cancellation, accidents, or legal assistance. For vehicles, the brand offers car, motorcycle, work-van, and bicycle insurance; the menu distinguishes liability, limited comprehensive, and full comprehensive levels where applicable. The website lets customers calculate premiums and review each bundle’s components.

Coverage for professionals is organized into products for self-employed customers (ZZP) and small and midsize businesses (MKB). The site lists business and professional liability, inventory and goods, business interruption, legal expenses, accidents, electronics, and tenant improvements among its options. Combinations vary by sector, so the list is a starting point for comparing risks rather than a one-size-fits-all policy.

Routine account tasks are handled through the online customer area, app, and self-service tools, including reporting a claim, changing personal details, checking payments, or canceling a policy. Health-related questions have different support routes from those for home, vehicles, and business. WhatsApp is limited to policies other than ZEKUR Zorg; health phone support runs on weekday mornings, while emergency assistance centers are available 24/7.

The bundle format may be convenient for people looking to bring several needs together, but comparing coverage remains essential. A basic health policy, full car coverage, and protection for a company’s inventory address different risks. ZEKUR lets customers start a quote online and lays out options by product; before buying, review each policy’s limits, exclusions, deductibles, and terms.

For home coverage, the site prompts customers to compare their circumstances—student, single person, couple, single-parent household, or family—before choosing protection. That starts with who needs coverage and which belongings or property are involved, then moves to the policy components rather than assuming one bundle fits everyone.