We've got over 80 years' experience insuring homes
We can cover your buildings, your contents or both. Our home insurance includes all of these benefits as standard:
We also offer a range of optional benefits that you can add to your policy to tailor it to your specific needs – find out more here.
Garden Cover from £25.99
Legal Expenses from £23.99
Personal Possessions Cover
Personal Accident Cover from £22.99
Home Emergency Expenses from £31.99
Cover from £25.99We’ll provide up to £2,500 of cover to protect your garden. This covers loss or damage to your plants and trees, plus garden ornaments or statues.
Cover from £23.99Legal Expenses Cover covers your legal costs in case you are involved in a dispute, up to £50,000 for you and your family who live with you. Our Legal Expenses cover is provided by DAS Legal Expenses Insurance Company Limited.
This protects your home against unexpected accidents, such as spilling a glass of wine on your carpet or sofa. You can choose to add Accidental Damage cover to either the buildings and/or contents part of your policy.
Personal Possessions Cover can be added to contents cover. Without this, your possessions are not covered when you are away from home. If, for example, you lose a ring when on holiday, you will need to have Personal possessions cover in order to be insured for your loss.
Cover from £22.99A valuable addition to your insurance which provides cover if a family member or friend is injured while in your home. This includes cover to help if any insured person is seriously injured or hospitalised following an accident plus up to £25,000 bodily injury cover. Our Personal Accident cover is provided by Ultimate Insurance Company Limited.
Cover from £31.99This protects your home against emergencies such as burst pipes, boiler breakdown, vermin infestation or repairs to a damaged roof after a storm. It can also cover overnight accommodation costs if your home becomes unsafe or insecure. Our Home Emergency Expenses cover is underwritten by Brit syndicates 2987 at Lloyds and administered by ARAG plc.
If you have any unanswered queries about what we have to offer, please refer to the home insurance questions below. If, however, you do not find the answer you are looking for please don’t hesitate to contact us.
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:
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.
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.
You can access your policy documents by registering for your own personal, secure online ‘myZurich’ account. Alternatively, if you have requested that your documents be posted to you, these should arrive at the address you gave us, within 7-10 working days. However, if you have not received your policy documents, please call us on 0800 408 0991 so we can sort it out for you.
Personal possessions cover can be added to contents cover. Without this, your possessions are not covered when you are away from home. If, for example, you lose a ring when on holiday, you will need to have Personal possessions cover in order to be insured for your loss.
To report a claim in the United Kingdom please call us on 0800 026 1751. Lines are open 24 hours a day, 365 days a year.
You need to make sure that you have enough cover for the full rebuilding cost of your home for buildings insurance and for the total replacement cost of all your belongings as new with contents insurance. The rebuilding cost of your property is different from the market value, and you will need to ensure you have sufficient cover for the full rebuilding cost of your property.
Zurich Home Insurance automatically covers up to £600,000 rebuilding costs and up to £60,000 contents insurance.
The following website can help you to calculate your rebuild cost: abi.bcis.co.uk
Your PC will be covered as standard for selected events as part of contents cover. Laptops are covered within the home up to £1,500, but not for accidental damage, even if extended accidental damage cover is selected.
If you want cover for accidental damage for laptops or notepads or wish to cover these items outside of your home, you will need to select personal possessions cover. Laptops and notepads over £1,500 in value will need to be specified on the policy.
If you want to know more about what's covered, just give us a call on 0800 408 0991.
With Zurich, we offer buildings and/or contents cover. We also offer a range of optional extras such as personal possessions insurance, garden contents cover, legal expenses, personal accident cover, extended accidental damage cover and home emergency expenses.
In home insurance terms, buildings insurance covers the structure of your home, including fences, paths, outbuildings and so on; plus anything permanently fitted or soon to be fitted, like kitchen and bathroom units.
Contents insurance covers what’s in your home; your goods, furniture and valuables. Carpets are not part of the structure of your home, so they fall under your contents insurance.
Your home and its contents are probably the most valuable possessions you own. Home insurance is there to help reassure you if something happens to them. If you have a mortgage it will almost certainly be a requirement of the mortgage lender to have insurance for your buildings.
Home contents insurance is your own choice and covers your belongings against events such as theft, fire and flood. Personal possessions insurance covers your belongings away from your home. Further information is contained in the policy booklet.
You may cancel your home insurance policy at any time by telling us, either in writing, using the contact details set out in your covering letter, or by calling us on 0800 408 0991. Please refer to the policy booklet for more details on terms of cancellation, including applicable charges.
Your buildings insurance will cover sudden and unexpected loss of or physical damage to the buildings caused by storm or flood, but not to fences, gates, hedges or railings.
Yes, if you have taken out Zurich Personal Possessions cover, which is an optional extra. This insurance covers sudden and unexpected loss of or physical damage, anywhere in the world, to the specified and unspecified items shown in the personal possessions specification that are owned by you or your family.
Zurich Buildings insurance covers domestic outbuildings and private garages, including garages on nearby sites that form part of your home.
Zurich Buildings and Contents cover are only available if the property is occupied solely by the policyholder and family.
Zurich contents insurance includes cover for office equipment used for your business, profession or trade up to £5,000.
If your home is used for anything other than paperwork and telephone calls e.g. if you receive visits from clients/customers, employ staff or keep business related cash or stock at the property, then we are not able to offer insurance cover in these circumstances.
No. We can only insure your main home and you must be living there.
Zurich Insurance is unable to offer cover for second homes or holiday homes.
It's no problem to change your details (we call this a mid-term adjustment). You can inform us of changes online by logging into your customer account or by calling us on 0800 408 0991 where one of our team will be happy to help you. Please note that a £15 administration policy charge (includes insurance premium tax) will be incurred for making changes to your policy.
You may cancel your home insurance policy at any time by telling us, either in writing, using the contact details set out in your covering letter, or by calling us on 0800 408 0991.
If you have purchased any additional optional cover, under parts E – G, we will charge you on a pro rata basis for the time we have been on cover and the balance refunded to you.
Cancellation within 14 daysIf the policy is cancelled within 14 days of you receiving it (or for renewals, within 14 days of your policy renewal date) a cancellation fee of £15 (including Insurance Premium Tax) will be charged.
If you have purchased any additional optional cover, under parts E – G, these will also be cancelled and we will charge you on a pro rata basis for the time we have been on cover and the balance refunded to you.
Cancellation over 14 daysWe will deduct a £30 (including Insurance Premium Tax) cancellation fee from any refund if the policy is cancelled.
If you have purchased any additional optional cover, under parts E – G, these will also be cancelled and there will be no refund.
If you have purchased additional optional cover under parts E – G and you cancel this cover independently to parts A-D of your policy more than 14 days after receiving documents (including where you have added additional optional cover during the term of the policy) there will be no refund.
Here are the policy documents for our home insurance:
Full policy document
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.
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Zurich Insurance plc, a public limited company incorporated in Ireland. Registration No. 13460.Registered Office: Zurich House, Ballsbridge Park, Dublin 4, Ireland. UK Branch registered in England and Wales Registration No. BR7985. UK Branch Head Office: The Zurich Centre, 3000 Parkway, Whiteley, Fareham, Hampshire PO15 7JZ.
Zurich Insurance plc is authorised by the Central Bank of Ireland and subject to limited regulation by the Financial Conduct Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request. These details can be checked on the FCA’s Financial Services Register via their website www.fca.org.uk or by contacting them on 0800 111 6768. Our FCA Firm Reference Number is 203093.
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