ZLM Verzekeringen

What ZLM Verzekeringen does

ZLM Verzekeringen is a Dutch regional mutual insurance company (onderlinge verzekeringsmaatschappij) founded in 1950 and headquartered in Goes, Zeeland, operating with no profit motive (geen winstoogmerk). It serves individual consumers in Zeeland and parts of Noord-Brabant through approximately 17 personal insurance products spanning auto, motorcycle, classic car, moped, camper, caravan, bicycle, home (woonhuis and inboedel), valuables, family accident, travel, cancellation, liability, and legal expenses coverage. The company employs approximately 300+ staff organized into ~15 specialized teams covering advice and acceptance, multiple claims units (mobility, varia, personal injury), legal services via its wholly-owned subsidiary Stichting Rechtsbijstand ZLM, marketing, IT, finance, and facility operations.

The technology stack centers on the Mijn ZLM self-service portal (mijn.zlm.nl), which provides 24/7 policy management, premium calculation, claims submission, and digital correspondence with iDIN or activation code login. Online insurance acceptance uses automated decision-making based on fixed acceptance rules, while AI and data-driven applications are used supportively across processes. ZLM is a member of Verbond van Verzekeraars, complies with AVG/GDPR and the Dutch Insurance Association's data processing code, and has achieved WCAG 2.1 Level AA accessibility compliance on its web properties.

ZLM generates revenue exclusively through recurring monthly insurance premiums across its personal lines portfolio. Distribution operates through a hybrid model: direct online and phone sales (0113-238 880), the Mijn ZLM digital portal, and a regional advisor network (ZLM Adviseurs) of insurance intermediaries across Zeeland and parts of Noord-Brabant. In 2025, the company was named Klantvriendelijkste verzekeraar van Nederland 2025 with a score of 8.08 from over 6,000 consumer evaluations of 390 organizations, and maintains a 9.2/10 customer rating based on 1,774 reviews.

Name

ZLM Verzekeringen

Legal name

ZLM Verzekeringen

Website

https://zlm.nl

Company type

Private

Founded year

1950

Operating status

Operating

Headcount range

251–500 employees

Short description

ZLM Verzekeringen is a Dutch regional mutual insurer founded in 1950, headquartered in Goes, Zeeland, providing approximately 17 personal insurance products (auto, home, travel, legal, bicycle, liability, and specialty vehicle coverage) to individual consumers in Zeeland and parts of Noord-Brabant through direct, advisor, and digital self-service channels.

Ownership category

akta.pro rank

Product category

Personal Insurance (mutual/regional)

NAICS

Insurance Carriers (5241), Insurance Agencies and Brokerages (52421)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

General Liability Insurance (FSAJAMAE)

akta.pro secondary industry

Commercial General Liability (CGL) (FSAJADAA)

Keywords

• Personal insurance
• Auto insurance
• Home insurance
• Travel insurance
• Legal expenses insurance

Headquarters

HQ city

Goes

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: ZLM Verzekeringen generates revenue through insurance premiums collected from policyholders. The company offers multiple insurance products: Auto (autoverzekering), Fiets (bicycle), Wonen (home/inventory), Reis (travel), and Rechtsbijstand (legal expenses). As a mutual insurer with 'no winstoogmerk' (no profit motive), any surplus may be returned to members.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

ZLM Verzekeringen is a regional Dutch mutual insurance company that underwrites and distributes personal insurance products directly to consumers in Zeeland and parts of Noord-Brabant. Its core offering includes auto, motorcycle, classic car, moped, caravan, camper, bicycle, home (buildings and contents), valuables, family accident, personal liability, travel, cancellation, and legal expenses insurance, sold primarily through subscription-based monthly premiums. Policy management and claims are handled via the Mijn ZLM customer portal and a regional advisor network (ZLM Adviseurs), supported by automated acceptance rules and data-driven underwriting.

Product overview

ZLM Verzekeringen is a regional Dutch insurance provider serving Zeeland and parts of Noord-Brabant, offering a comprehensive portfolio of personal insurance products. The core offering consists of vehicle insurance products (autoverzekering, motorverzekering, oldtimerverzekering, caravanverzekering, kampeerautoverzekering, bromfietsverzekering), home insurance products (woonhuisverzekering, inboedelverzekering, woonverzekeringen, kostbaarhedenverzekering), travel and cancellation insurance, liability and accident coverage, and legal expenses insurance delivered through Stichting Rechtsbijstand ZLM. The insurer also provides a digital self-service platform called Mijn ZLM for policy management and claims handling. ZLM operates as a non-profit-oriented insurer and holds no winst (profit motive).

Differentiator

Problem solved

Functional benefit

Products and services

• Autoverzekering Car insurance covering vehicle damage, liability, and insured occupants; customers can calculate premiums using their license plate on the ZLM website.
• Fietsverzekering Bicycle insurance covering bicycles and e-bikes against theft and damage.
• Motorverzekering Motorcycle insurance covering vehicle damage, liability, and related risks for motorcycles.
• Oldtimerverzekering Classic car insurance for vintage and collector vehicles meeting specific criteria.
• Caravanverzekering Caravan insurance covering caravans against damage and related risks.
• Kampeerautoverzekering Camper insurance covering motorhomes and camping vehicles.
• Bromfietsverzekering Moped/scooter insurance covering vehicle damage and liability.
• Woonverzekeringen Combined home insurance covering both the residential building (woonhuis) and household contents (inboedel); premiums calculated using postal code.
• Woonhuisverzekering Buildings insurance covering the physical structure of the home against insured risks.
• Inboedelverzekering Household contents insurance covering personal belongings within the home against risks such as fire, theft, and water damage.
• Kostbaarhedenverzekering Valuables insurance covering expensive items such as jewelry, art, and electronics.
• Reisverzekering Travel insurance including trip cancellation coverage, available as annual or short-term policies.
• Annuleringsverzekering Trip cancellation insurance covering trip cancellations, available as single-trip or annual policies.
• Rechtsbijstandverzekering Legal expenses insurance providing legal assistance across labor law, contract disputes, motor vehicle claims, and other domains, delivered through Stichting Rechtsbijstand ZLM.
• Aansprakelijkheidsverzekering Personal liability insurance for private individuals covering bodily injury or property damage caused to third parties.
• Gezinsongevallenverzekering Family accident insurance providing coverage for accidents affecting family members.

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• Verbond van VerzekeraarscoreOthersZLM is a member of the Verbond van Verzekeraars (Dutch Insurance Association), which provides industry guidelines, self-regulation frameworks (including the Gedragscode Verwerking Persoonsgegevens Verzekeraars), and coordinates fraud prevention initiatives including the CIS databank and warning systems.

Scale indicators5 records

Recent moves1 record

Expansion highlights5 records

Direct peers

• Univé: Univé is a Dutch cooperative mutual insurer offering personal lines (auto, home, liability) and health products. Like ZLM it operates under a member-owned 'no profit motive' mandate, with regional advisor networks and direct-to-consumer distribution — the closest structural analogue in the Dutch market.
• ONVZ: ONVZ is a Dutch cooperative, policyholder-owned health insurer that similarly targets members with a mutual structure and emphasises personal service. Comparable governance, culture, and customer-aligned ethos even though its line of business skews health.
• DSW Zorgverzekeraar: DSW is a smaller Dutch cooperative insurer known for principled customer policies and an independent, non-corporate stance. Comparable cooperative ownership model and reputation for member-aligned service, though primarily health-focused.
• FBTO: FBTO is Achmea's direct/online personal-lines brand offering self-service policies for car, home, and travel. Comparable product set and digital self-service posture to ZLM's Mijn ZLM portal, with a similarly consumer-direct GTM — though backed by a national parent.

Broad incumbents

• Centraal Beheer: Centraal Beheer (an Achmea brand) is one of the Netherlands' most recognisable direct-sell insurers with broad personal and small-business lines. Comparable in product breadth and direct-to-consumer positioning but operates nationally at much larger scale.
• a.s.r. a.s.r. is one of the top three Dutch insurers, offering broad P&C, life, and health products nationally. Directly competes with ZLM's auto/home/travel offering but at vastly larger scale and with multi-channel national distribution.
• Achmea: Achmea is the Netherlands' largest insurer, with brands including Centraal Beheer, FBTO, Interpolis, and Zilveren Kruis. Heads the competitive set ZLM faces in auto, home, and travel markets, with national scale and cross-sell advantages.
• Nationale-Nederlanden: Nationale-Nederlanden is a major Dutch life, P&C, and pensions provider, with pension legacy embedded across the country. Competes with ZLM on consumer P&C lines and brings significantly larger capital and brand investment to the segment.
• Interpolis: Interpolis is an Achmea subsidiary with a long-standing Dutch regional and cooperative heritage. Comparable historical positioning to ZLM as a consumer-friendly Dutch insurer, now operating within the larger Achmea group at national scale.
• Allianz Nederland (Allianz SE branch): Allianz Nederland offers broad personal P&C products through direct, broker, and affinity channels in the Dutch market. A relevant comparator to ZLM for size and product breadth, though it operates nationally and as part of a global group.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/zlm
• YouTubeyoutube.com/channel/UCdk9gMCiFdGihGOw75G-1JA
• Facebookfacebook.com/zlmverzekeringen
• LinkedInnl.linkedin.com/company/zlm-verzekeringen
• Instagraminstagram.com/zlmverzekeringen

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles18 records

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 ZLM Verzekeringen