Zurich Private Clients customers

Here to help you

We know this is an unsettling time for everyone and are here to support you so have created this page to answer any questions you might have.

If you have travel insurance as part of a Zurich Private Clients Home policy, you can find out more here.


There are specific requirements listed in my policy which I cannot now meet due to coronavirus. For example I cannot have the clasps and setting of my jewellery inspected by a jeweller or I cannot renew my tracking subscription. Will cover still apply?

We understand that it’s difficult to meet some of the requirements in our policies with the majority of businesses now operating on a limited basis due to Coronavirus. Please contact us to discuss what to do if you are unable to meet specific requirements specified in your policy due to coronavirus.


You have asked me to make certain arrangements before continuing with my policy – e.g. for me to provide valuations; – which I cannot now provide due to Coronavirus. Will I still be covered?

We understand that some of the requirements may not be able to be carried out currently. We will contact you approaching the expiry to discuss these requirements, but if you are unsure please do contact us in the meantime.


Will I be able to renew my policy?

Yes. Our customer service teams are available 9 – 5pm and we are working with your broker to ensure renewal invitations are issued as normal and in good time. If you haven't received your renewal invitation, please speak to your broker or your usual contact at Zurich.


I have lost my job or I am experiencing financial difficulties due to the Coronavirus outbreak and am worried about paying for my insurance. How can you help?

We and your broker will be able to discuss this with you and help consider the options available to you. Please do contact us.


How do I obtain a cover note or revised documentation if I need to make changes to my policy?

Our Underwriting teams are available as normal, and we are working with our brokers to ensure any documents you need are issued in a timely fashion. If you have any concerns, please speak to your broker or your usual contact at Zurich.


I am an office-based worker and I need to work from home because of government advice or because I need to self-isolate. Am I covered under my home insurance?

Yes. You do not need to tell us if you are now doing office-based (clerical) work from home.

Our standard Zurich Private Clients home policy provides cover for office equipment owned by you, as standard. Any equipment owned by your employer should be insured by the employer, under their own policy.

If you are doing other work, which is not office-based at home due to the Coronavirus outbreak, please speak to your broker or your usual contact at Zurich.


If I am unable to return home / visit my property due to travel restrictions or my home becomes unoccupied because I have contracted coronavirus and need to self-isolate elsewhere, what does this mean for my home insurance cover?

You are covered. We recognise that with the country in lockdown it may be difficult for you or your family to make the normal arrangements for regular visits if your home is unoccupied. Because of this, we will maintain cover beyond the normal 60-day limit. If your home does become unoccupied, please advise your broker or your usual contact at Zurich as soon as you are able to do so.


If I need to drive to work instead of getting public transport because of the impact of Coronavirus, will my Zurich Private Clients motor insurance cover this?

Yes. If you have to use your car to commute to your normal place of work or to more than one place of work or study due to coronavirus, you do not need to contact us as we will cover this as standard.


I am a key worker and I need to use my own car to drive to different places of work will this be covered?

Firstly, thank you for the amazing work you do and yes you are covered. If you have to use your car to commute to your normal place of work or to more than one place of work or study due to coronavirus, you do not need to contact us as we will cover this as standard.


I am volunteering during this time and using my car to help others. Does my car insurance cover this, and do I need to tell you?

Yes, you are covered and no you do not need to tell us about using your car for voluntary purposes. Thank you for volunteering to support our communities. Please note Zurich can only cover voluntary purposes, and your policy does not cover using your car for other purposes which you are paid for (e.g. takeaway delivery driving).


I am not receiving income, have been furloughed, or I am self-employed and not working due to Coronavirus, what do I need to do?

You do not need to advise us if you are temporarily unemployed or not currently working. If you do advise your broker or your usual contact at Zurich, we will note this, but we will not alter the occupation recorded on your policy.

If you have a Zurich car policy, and not working means you are driving less, you may want to consider asking us to change the estimated mileage on your policy.


I have become unemployed due to Coronavirus, does this affect my policy or premium?

If you advise your broker or your usual contact at Zurich, we may update the policy record depending on when your policy is due for renewal, but we will not charge you for this change.

If you have a Zurich car policy, and not working means you are driving less, you may want to consider asking us to change the estimated mileage on your policy.


I am driving less due to the Coronavirus outbreak, what should I do?

Please speak to your broker or your usual contact at Zurich to update your policy details. If this change results in a lower price, we will refund you.


I am driving more due to the Coronavirus outbreak, what should I do?

If you expect to drive more due to the current Coronavirus outbreak, you do not need to contact us, and this will be covered under the policy.

If the increase in your planned mileage is not related to the current Coronavirus outbreak, please speak to your broker or your usual contact at Zurich to update your policy details.


I am unable to use my car due to the current Coronavirus outbreak, can I lay up my car and reduce the cover or price of my policy?

We can offer laid up car insurance cover when vehicles have been declared SORN. However, if you expect to be driving less, please contact your broker or your usual contact at Zurich about adjusting the estimated annual mileage on your policy. If this change results in a lower price, we will refund you.


I need to renew my vehicle MOT but due to the coronavirus outbreak I’m unable to do this. Does this affect my car insurance policy?

The government has announced that existing MOT certificates are being extended for cars, vans and motorcycles for 6 months from 30th March. In regard to your Zurich car insurance policy, it is not a condition of our policy to have a MOT certificate, although policy conditions require that you take reasonable care to maintain the vehicle in a safe and roadworthy condition. We do not routinely ask for sight of an MOT when we handle claims, unless we have reason to believe the car may not have been roadworthy and that this may have caused or contributed to the accident or its severity.


I need to add an additional driver to use my car during the Coronavirus outbreak (e.g. because I am self-isolating) can I do this?

Yes. Please speak to your broker or your usual contact in Zurich who can help with any changes you need to make to your policy.