Zurich Special Risks

Zurich Special Risks gives you an excellent opportunity to place personal motor insurance business on cases that are outside the scope of mainstream cover.

So if a customer contacts you with a case that needs a more flexible approach, take a look at our broad acceptance criteria to see if a Special Risks policy is suitable.

At present, Zurich Special Risks is only available for a limited number of brokers. If you’d like more information please contact our Zurich Special Risks underwriting department at specialrisks@uk.zurich.com

Overview

We quote on:

• High performance vehicles.
• Imported cars.
• Vehicles with cosmetic modifications, including alloys and body kits.
• Vehicles with increased BHP of up to 50% (increases over this amount are not acceptable).
• Pickups with SD&P use.
• Left-hand drive cars.
• Motoring convictions (non-motoring convictions are not acceptable).
• International and EU licences.
• Non-standard occupations.
• Company car no-claims bonus.

Requirements

• Vehicle value between £2,500 and £80,000.

All drivers aged 21 to 70 inclusive:

• No more than one no claims discount (NCD) prejudice claims within the last three years (no NCD prejudice claims within the last three years for 21 to 24 year olds).
• All drivers must have held a full licence for three years or more (copy required for 21 to 24 year olds).
• Drivers aged 21 to 24 must be conviction free other than one SPxx or PCxx conviction.
• Drivers aged 21 to 24 must have a minimum of three years’ NCD.
• All drivers must have a minimum of two years’ relevant experience of driving vehicles with a similar nature, performance and value.

Minimum premium of £500 plus IPT (£800 plus IPT for 21 to 24 year olds)