Car insurance frequently asked questions

How do I view my policy documents?

You can view your policy documents and find all the details about your policy on our manage my car insurance policy page.

How can I find out exactly what I’m covered for?

You can view the details of your specific policy, and find contact details for discussing your policy with us on our manage my car insurance policy page.

Can I purchase a new Car insurance policy?

Zurich is not currently offering new quotes or policies for car insurance.

If your car insurance policy number starts with “39” or you have recently heard from us about your policy renewal you can find all the contact details you need on the manage my car insurance policy page, or on your renewal documentation.

How do I make a claim?

If you need to make a claim, our team are here to help. You can find all the claims information you need on our manage my car insurance policy page.

I have had a motor incident that was my fault, what happens if the other driver makes a claim?

It may take a number of months to settle the other driver’s claim. We’ll endeavour to agree a fair and reasonable settlement. If you are at fault then we can assist the other driver with any repairs that are required and help them with any alternative transport that they may require whilst their own vehicle is being repaired.

If they are injured, we'll assist them with any rehabilitation treatment and will compensate them fairly for their injury.

Under the current legislation claims for injury can be made up to a period of 3 years and for non-injury claims it is 6 years after the accident has taken place, or 5 years in Scotland.

In the event that we do not agree that the other driver's claim is reasonable, we will pay an amount which we feel represents the true value of their claim. We will only pay for damages which we feel have been caused solely by the accident and are reasonable. This may result in the other driver issuing court proceedings in an attempt to recover their losses in full.

You're my insurer, why should I go to the other person's insurance company to claim?

Any claim you wish to make through your own insurance policy will be subject to your excess and may affect your No Claims Discount (NCD). By going directly to the third party’s insurance you can avoid this payment and the incident will only be recorded on your policy for notification purposes, therefore not affecting your NCD.

Who repairs my car?

Zurich will normally use a network of approved repairers to replace or repair your car or any part of it. Following an accident, you must use a supplier that has been agreed by us before your car is repaired, otherwise we may not pay.If you choose not to use a one of our approved repairers, we will increase your compulsory excess by £100.

How long does the car insurance policy last?

Your policy cover will normally run for 12 months unless you or we choose to cancel.

Can I change my details in the middle of my policy term?

It's no problem to change your details, but please note that we may apply an administration fee for making changes to your policy and some changes may affect your premium. You can find all the details you need to contact us about changing your policy on the manage my car insurance policy page.

Can I cancel my policy?

It's no problem to change your details, but please note that we may collect an administration policy charge for making changes to your policy. You can find details of how to make changes on the manage my car insurance policy page.

What is an insurance excess?

An insurance excess is the first part of each and every claim that you are required to pay. Your excess may vary depending on the type of claim, the insured vehicle, the driver, or if your policy carries a voluntary excess in addition to any compulsory excess.

Excesses for each driver will be shown on your schedule. If you choose not to use a one of our approved repairers, we will increase your compulsory excess by £100.