Unive

What Unive does

Univé is a Dutch cooperative insurance association (coöperatieve vereniging) operating without profit motive and owned by its approximately 1.8 million members, who exercise governance through a Ledenraad (Members' Council). Founded over 200 years ago (firmographic founding date 1794; company-history record 1800) and headquartered in Zwolle with a secondary base in Assen, the company employs around 3,200 people and is organized across eight regional Univé entities alongside the central Univé Groep. Its mission centers on collective security ("samen kunnen we alles aan") and on returning any surplus to members rather than external shareholders.

Univé's product portfolio spans personal lines insurance — health (Zorgverzekering in four tiers: Select, Basis, Geregeld, Uitgebreid at €147.40-173.20/month), auto, home (inboedel and opstal), liability (including a unique 2026 cyberbullying coverage), travel and cancellation, motorcycle, scooter, bicycle, legal expenses, accident, pet, funeral, and life — plus SME-oriented products through the Ondernemerspakket and mortgage advisory services. Distribution is omni-channel: ~100 physical retail stores across the Netherlands, the unive.nl platform, the Univé App and Univé Zorg App for iOS/Android, Mijn Univé customer portal with iDIN identification, and field business advisors for Zzp and MKB clients. The Verzekeringspakket bundling platform ties up to eight product types together with a tiered discount of up to 10% at 10+ policies.

The business model is a recurring subscription / annual premium model across multiple lines, with cross-sell incentives (package discounts up to 10%, auto no-claim discounts up to 80%, loyalty benefits via Voordeel van Samen). Revenue is generated through insurance premiums set to cover claims, operating costs, and reserves; surplus is recycled to members rather than paid as dividends. Customer satisfaction scores are high across lines (8.6/10 overall; 9.0 auto, 8.9 home, 8.7 health), and the company has been recognized as the most customer-friendly non-life insurer in the Netherlands in 2026. Notable non-insurance ecosystem assets include the Univé Buurtfonds community fund, the Supporter van Sport local sports sponsorship program, and the Cyber Fit Service cybersecurity training for SME clients. The company has not raised external funding and is not publicly listed.

Name

Unive

Legal name

Univé

Website

https://unive.nl

Company type

Private

Founded year

1800

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Univé is a Dutch non-profit cooperative insurance association serving 1.8 million members with 5 million policies across health, auto, home, liability, travel, and SME lines, distributed via 100+ retail stores, digital portals, and field advisors across the Netherlands.

Ownership category

akta.pro rank

Product category

Personal Insurance

NAICS

Insurance Carriers (5241), Direct Property and Casualty Insurance Carriers (524126), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Insurance Carriers, Nec (6399), Accident & Health Insurance (6321)

akta.pro primary industry

Whole Life / UL Policy Riders & Add-ons (e.g., Waiver of Premium, Accidental Death, Child Term, LTC/Chronic Illness) (FSAIABAK)

Keywords

• Personal insurance products
• Health insurance coverage
• Motor insurance policies
• Home contents insurance
• Cooperative insurance services

Headquarters

HQ city

Assen

HQ country

Netherlands

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Premiums: Univé generates revenue through collecting insurance premiums from policyholders. As a cooperative without profit motive, premiums are set to cover claims, operational costs, and maintain financial stability. Revenue comes from multiple insurance lines: health, auto, home, travel, liability, and business insurance.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Univé is a Dutch cooperative insurance company providing a comprehensive portfolio of personal lines insurance (auto, health, home, travel, liability, bicycle, scooter, motorcycle, legal, accident, pet, funeral, and life) and small/medium business insurance through its Ondernemerspakket. The company sells coverage across approximately 100 physical retail stores, an online portal, and mobile applications to 1.8 million members holding 5 million insurance policies. It also offers mortgage advisory and cybersecurity training services for business customers.

Product overview

Univé is a Dutch cooperative insurance company offering a comprehensive portfolio of insurance products and services. The core offering consists of personal lines insurance (autoverzekering, zorgverzekering, woonverzekering, aansprakelijkheidsverzekering, reisverzekering, scooterverzekering, motorverzekering, fietsverzekering) and business insurance through the Ondernemerspakket. Additional products include travel cancellation insurance, legal expenses insurance, accident insurance, pet insurance, funeral insurance, and life insurance. The Verzekeringspakket serves as a bundle platform combining up to 8 insurance products with package discounts. Digital services include Mijn Univé customer portal, Univé Zorg App for health claims, and mortgage advisory services. The company operates 100 local branches across the Netherlands serving 1.8 million members and 5 million policies.

Differentiator

Problem solved

Functional benefit

Brands

• Univé Zorg: Health insurance brand of Univé offering various health insurance policies including Univé Zorg Select, Zorg Basis, Zorg Geregeld, and Zorg Uitgebreid.

Products and services

• Autoverzekering (Auto Insurance)
• Zorgverzekering (Health Insurance)
• Woonverzekering (Home Insurance)
• Aansprakelijkheidsverzekering (Personal Liability Insurance)
• Reisverzekering (Travel Insurance)
• Scooterverzekering (Scooter Insurance)
• Motorverzekering (Motorcycle Insurance)
• Fietsverzekering (Bicycle Insurance)
• Annuleringsverzekering (Travel Cancellation Insurance)
• Rechtsbijstandverzekering (Legal Expenses Insurance)
• Ongevallenverzekering (Accident Insurance)
• Huisdierenverzekering (Pet Insurance)
• Uitvaartverzekering (Funeral Insurance)
• Overlijdensrisicoverzekering (Term Life Insurance)
• Hypotheek (Mortgage Advisory)
• Verzekeringspakket (Personal Insurance Package)
• Ondernemerspakket (Business Insurance Package)
• Cyber Fit Service
• Caravanverzekering (Caravan Insurance)
• Energie van de Boer (Energy Service)
• Private Lease
• Veilig Wonen (Safe Living)
• Rechtshulp on demand (On-demand Legal Assistance)
• Univé Laden (EV Charging)

Quantifiable outcome

• Customer satisfaction score of 8.6 out of 10
• +4 more outcomes

Named customers3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Healthcare Providers NetworkcoreStrategic or Co-development PartnerUnivé maintains partnerships with a large network of healthcare providers across the Netherlands, offering health insurance customers access to contracted care with varying reimbursement levels depending on the specific health plan selected.

Scale indicators13 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• ASR Nederland: ASR Nederland is a major Dutch insurance company offering life, P&C, health, and retirement products. Comparable as a full-line Dutch insurer serving individual and SMB customers, though publicly traded rather than cooperative.
• CZ: CZ is a Dutch health insurance cooperative serving millions of policyholders. Directly comparable to Univé Zorg in cooperative structure, Dutch health insurance focus, and member-owned governance.
• Menzis: Menzis is a Dutch health insurance cooperative serving individual and group customers. Comparable to Univé Zorg in cooperative structure, health-only focus, and Dutch geographic concentration.
• Achmea: Achmea is the largest Dutch insurance group, also structured as a cooperative, offering health, P&C, and life insurance through brands like Zilveren Kruis and Centraal Beheer. Most directly comparable peer given similar cooperative model, multi-line offering, and Dutch market focus.
• Centraal Beheer: Centraal Beheer is the P&C insurance brand of Achmea offering auto, home, and travel insurance. Comparable to Univé's non-life lines in product mix and Dutch individual customer focus.
• VGZ: VGZ is a major Dutch health insurance cooperative offering basic and supplemental health plans. Comparable in cooperative model, health insurance specialization, and Dutch market positioning to Univé's health insurance line.
• Nationale-Nederlanden (NN Group): NN Group is a major Dutch insurance and asset management company offering life, pension, and banking products. Comparable as a large Dutch multi-line insurer serving individual customers, though publicly traded with broader European footprint.
• OHRA: OHRA is a Dutch direct-to-consumer insurer offering health, auto, and other lines. Comparable as a Dutch multi-line insurer targeting individual customers, though primarily direct/digital versus Univé's hybrid model.
• Zilveren Kruis: Zilveren Kruis is the health insurance brand of Achmea and one of the largest Dutch health insurers. Directly comparable to Univé Zorg on health insurance product structure and target market.

Broad incumbents

• Allianz Netherlands: Allianz Netherlands is the Dutch subsidiary of global insurer Allianz, offering P&C, life, and health products. Comparable as a multi-line Dutch insurer, though part of a larger global group with broader product capabilities and capital base.

Market position

Strengths1 record

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@unive
• Facebookfacebook.com/Unive
• LinkedInlinkedin.com/company/unive
• Instagraminstagram.com/unive_verzekeringen
• Xx.com/unive

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Unive