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

Please note: this product has been removed for new and renewed business as of the 16th October 2010.  If you have any queries, please speak to your usual Zurich contact.

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 social domestic & pleasure 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)