Life insurance, pensions and investments complaints
Making a life insurance, pension or investment complaint
We are committed to providing you with a high level of customer service. If you believe we've not delivered this, we would welcome the opportunity to put this right for you. The first step is to let us know your concerns either by phoning or writing to us explaining your concerns using the contact details below. We'll be able to deal with your query quicker if you quote your plan number.
Who to contact in the first instance
Many concerns can be resolved straight away. Therefore first of all, please get in touch with your usual contact at Zurich by phone, letter or email as they will generally be best placed to help resolve matters for you. Contact details will be provided on correspondence we have provided.
You can call 01793 514514 between 8.30am and 5.30pm Monday to Friday if you need help finding the right contact details. Please have your policy number to hand if possible.
You can also submit details of your complaint to us by using our online complaint form. If the policy number starts with 'PR' please use the Life Protection online complaint form.
Alternatively, you can write to us using the following contact details:
For Zurich Assurance or Eagle Star plans started before 31 December 2004:
Unity Place
1 Carfax Close
Swindon
SN1 1AP
For Allied Dunbar plans started before 31 December 2004 or Zurich Assurance plans taken out after 1 January 2005:
Zurich Assurance Ltd
Customer Resolutions Team
Unity Place
1 Carfax Close
Swindon
SN1 1AP
Sterling Investments Bonds:
Unity Place
1 Carfax Close
Swindon
SN1 1AP
What you can expect from us
Many concerns can be resolved straight away by providing you with an immediate explanation to answer them. If we are unable to resolve your concerns straight away, we will write to you promptly to let you know we have received your complaint and how we intend to deal with it.
If you raise your concerns by phone, the initial letter you receive will confirm our understanding of your complaint, so that you have a chance to tell us if we have misunderstood anything.
Resolving your complaint
If we are unable to provide an immediate explanation, we will look into your concerns contacting you if we need any further information.
Our regulator, the Financial Conduct Authority, expects complaints to be investigated and resolved within eight weeks, although we will aim to do this as quickly as possible. In the unlikely event that your complaint will take longer than eight weeks to resolve, we will write to you at that time to explain why and to confirm whether, and how, you can refer your complaint to the Financial Ombudsman Service if you are unhappy with the delay.
Once we have completed our investigation, we will write to you to let you know:
- the outcome of our investigation
- where relevant, any offer of compensation the Company is prepared to make
- if applicable, details of how you can refer your complaint to the Financial Ombudsman Service if you remain dissatisfied with our decision and how long you have to refer your complaint.
If you are not happy with the outcome
If you still feel unhappy with the outcome of our investigation, you may be able to ask the Financial Ombudsman Service to review your case. This is a free and impartial service.
(Please note there is a maximum financial award the Financial Ombudsman Service can offer you for a complaint following an investigation. Please check the Financial Ombudsman Service website, or contact them, for the current levels.)
The contact details for the Financial Ombudsman Service are:
Financial Ombudsman Service
Exchange Tower
London
E14 9SR
- 0800 023 4567 - Calls to this number are free on mobile phones and landlines.
Complaints publication report
We are committed to provide you with information relating to the volume of complaints received and the time taken to resolve these.
Firm name: Zurich Assurance
Other firms included in this report: Zurich Advice Network, Zurich Independent Wealth Management
Period covered in this report: 1 January 2025 to 30 June 2025
Brands/trading names covered: Zurich Assurance, Sterling Assurance, Eagle Star, Allied Dunbar, Endsleigh Financial Services
Zurich Assurance Ltd
| H1 2025 | Number of complaints opened by volume of business | Number of complaints opened | Number of complaints closed | Percentage closed within 3 days | Percentage closed after 3 days but within 8 weeks | Percentage upheld | Main cause of complaints opened |
|---|---|---|---|---|---|---|---|
| H1 2025 | |||||||
| Insurance and Pure Protection | 0.73 per 1000 policies in force | 2230 | 2260 | 20.7% | 78.8% | 45.8% | General admin/Customer service |
| Decumulation and pensions | 3.25 per 1000 policies in force | 949 | 1008 | 24.8% | 74.0% | 36.5% | General admin/Customer service |
| Investments | 5.26 per 1000 policies in force | 371 | 388 | 20.1% | 79.4% | 48.5% | General admin/Customer service |
Although the Zurich Advice Network ceased trading on 31st May 2005, we continue to investigate any occasions where you (or your representative) indicate that the advice you received, from a network member, may not have been appropriate. Of these, 92.2% were resolved within eight weeks.