Our car insurance includes all of these benefits as standard:
- A courtesy car after an accident if you use our approved repairers
- 3 years' repairer's guarantee when using approved repairers
- No loss of no-claims discount and no excess to pay if you're hit by an uninsured driver
- UK call centres for customer service
- 24-hour accident helpline
- Manage your policy online at My Zurich
As we are only able to provide cover for customers resident in Great Britain (England, Scotland & Wales), we regret that if you live in Northern Ireland, the Isle of Man or the Channel Islands then we are unable to offer you a quotation for car insurance.
Conditions apply.
We also offer a range of optional benefits that you can add to your policy to tailor it to your specific needs see below:
For a little extra, you can also protect your no claims discount, and make 2 claims in 5 years without it affecting your overall bonus
Our cover explained
We offer you the flexibility to add these optional extras to your car insurance:
Cover from £29.99 (new rate) If you have an accident thats not your fault, this cover will provide up to £50,000 for legal representation for you and all named drivers on your policy to recover the costs not covered by your car insurance. You'll also receive help to defend your legal rights if an accident leads to prosecution.
Cover from £24.99 (new rate)
This cover provides up to £30,000 for you or your passengers in the event of death, loss of limbs, sight or hearing following an accident in your car or while getting into or out of it. Our Personal Accident Cover is provided by Ultimate Insurance Company Limited.
Cover from £31.99 (new rate)
If your car is written-off or stolen and not recovered, this cover will provide you with a car to use anywhere in the UK for up to 21 days. All named drivers on your policy aged between 18-79 (with a full UK licence) will be able to use this car and you will be covered for up to two claims per policy.
Cover starting at £38.49 (new rate)
This covers the reimbursement of a policy excess you have to pay following an accident, although please note that windscreen excesses are not included. You can claim as many times as required up to your chosen coverage limit of either £300, £500 or £750 for each excess paid.
For a little extra you can protect your no-claims discount, and make two claims in five years without affecting it.
If you would like to purchase an optional extra or add an extra to your existing policy, please call us on 0844 571 0290. Existing customers can also update their policy online by logging into their MyZurichAccount.
If you have any unanswered questions about what we have to offer, please have a look at the list below. If you dont find what youre looking for please contact us and well be happy to help.
The Chancellor, George Osborne, confirmed in the Summer Budget on the 8 July 2015 an increase of 3.5%, taking the standard rate of IPT from 6% to 9.5%. The increase takes effect from 1 November 2015.
What is IPT?
IPT is a Government applied tax on general insurance premiums. Just as you pay VAT on regular goods, you pay IPT on insurance. There are two rates:
- a standard rate 6% (increasing to 9.5%)
- a higher rate 20% - for travel insurance, mechanical/electrical appliances insurance and some vehicle insurance
To find out more visit: https://www.gov.uk/guidance
What does this change mean to you?
IPT is automatically included in the quote that you receive for your insurance.From 1 November 2015, all New Business, Mid-term Adjustments and Renewals will have a 9.5% IPT rate applied, i.e.
- Inception / renewal date before 1 November 2015: 6%
- Inception / renewal date on or after 1 November 2015: 9.5%
How will this affect your premium?
Insurance quotes are based on many different rating factors, such as age, geographical location, and occupation as well as any discounts that you may be entitled to like no claims discount on your car insurance. IPT at the increased rate will be applied to all quotes, adjustments and renewal premiums where cover starts on or after the 1 November.
If you have an email address, well automatically send your policy documents to your secure online account so that you can save, email or print them. Youll be able to set up access to your online account using a username/email address and a password after you buy your car insurance.
If you have requested paper policy documents they should arrive with you within 7-10 working days.
Our comprehensive car insurance includes many standard benefits you can read more about what is included as standard in our policy booklet. You can further tailor your insurance by adding optional covers including legal cover, personal accident cover, excess protect cover, hire car cover, key care cover and RAC breakdown cover and protected no-claims discount.
An insurance excess is the first part of each and every claim that you are required to pay. Your excess may vary depending on the type of claim, the insured vehicle, the driver or if your policy carries a voluntary excess in addition to any compulsory excess. Excesses for each driver will be shown on your statement of insurance.
With a Zurich car insurance policy your car is covered if you use it in European Union countries, as well as Croatia, Iceland, Norway, Switzerland and Liechtenstein, as long as your visit is not for more than four days (up to a total of 14 days within any one period of insurance).
If after four days your vehicle does not return to the United Kingdom (unless we have agreed to extend cover in writing), cover will be limited to the minimum legal requirement to use your car in that country. The minimum requirements of United Kingdom law will apply if these are higher than those of the country you are using your car in. If you require cover for periods of more than four days or for a total period exceeding 14 days, please contact us on 0844 571 0290 for a quotation.
Zurich will normally use a network of approved repairers to replace or repair your car or any part of it. Following an accident, you must use a supplier that has been agreed by us before your car is repaired, otherwise we may not pay.
If you choose not to use a one of our approved repairers, we will increase your compulsory excess by £100.
If your car is damaged in an accident, we will advise you of the nearest approved repairer who will offer you a courtesy car while your car is being repaired. This includes a free collection and delivery service. All courtesy cars are Group A vehicles (a small hatchback) with a manual gearbox and are available only in the United Kingdom, the Channel Islands or the Isle of Man. The supply of a courtesy car may be subject to the approved repairers terms and conditions.
If your car is destroyed or stolen and not recovered, you will not be offered a courtesy car.
Yes, you may cancel the policy at any time, but please refer to the policy booklet for more details on terms of cancellation, including applicable charges.
You can tell us youd like to cancel by logging into your customer account, writing to us (using the contact details set out in your covering letter), or by calling us on 0844 571 0290.
Here are the policy documents for our car insurance:
Full policy wording
Cover conditions and exclusions for this policy.
Our quotes are valid for 30 days so if you've already got a quote you can retrieve it here and buy your insurance now.
Our car insurance includes all of these benefits as standard: A courtesy car after an accident if you use our approved repairers ; 3 years' repairer's guarantee when
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