Car insurance

Why Zurich Car insurance?

Whether it's a hatchback, an estate or a 4x4, your carefully chosen car needs carefully chosen protection. From basic cover to a wide range of optional extras, our car insurance allows you to fit your cover to your needs.


No excess to pay if you’re hit by an uninsured driver


3 years repairer's guarantee at approved garages


Courtesy car provided if using our approved garages


24-hour accident helpline and UK call centres for customer service

Tailor your cover

Add these optional extras to your policy

Legal cover

This cover gets you up to £100,000 in legal representation for all named drivers on your policy in the event of an accident that's not
your fault.

It can be used to recover any costs not reimbursed by your car insurance. You'll also receive help to defend your legal rights if an accident leads to prosecution.

Personal accident cover

This cover provides up to £30,000 for you or your passengers in the event of death, loss of limbs or damage to sight or hearing following an accident in your car or while getting into or out of it.

Please note, insured people under the age of 16 will only receive £7,500 in the case of accidental death and underwriters are not liable to pay out on a claim if the insured person is aged 80 or over on the day of the accident.

Our personal accident cover is provided by Ultimate Insurance Company Limited.

Hire car

This cover will provide you with a replacement car for up to 21 days if your car is written-off or stolen and not recovered. All named drivers on your policy aged between 18-79 with a full UK licence can use the car and are covered for up two claims per policy.

Excess protect

Add this to cover the reimbursement of a policy excess you have to pay following an accident. This does not cover windscreen excesses.

You can make unlimited claims up to your chosen coverage limit. The coverage limits available are: £300, £500 or £750 per excess.

Protected no claims discount

With this add-on you can protect your no-claims discount and make two claims in five years without affecting it. 

Protected no claims discount does not protect the overall price of your insurance policy. The price of your insurance policy may increase following an accident even if you were not at fault.

Key cover

This cover gets you up to £2,500 lock and key replacement for your car, home and office. Locksmith charges are included. If your car keys are lost or stolen, we'll also cover the cost of a hire car for three days or your onward transport.

RAC Breakdown

This add-on gets you four types of breakdown cover with roadside assistance if you're more than a quarter of a mile from home. There
are no call-out or mileage charges to take you to a nearby garage.

You can add any of these optional extras to your plan at any point after you’ve taken out a policy with us. 

If you would like to purchase or add an optional extra to your existing policy, please call us on: 0800 408 0991