Information for customers who have home and/or motor insurance with Zurich

Housing refugees and your home insurance

Zurich fully supports the Government’s Home for Ukraine scheme which enables UK homeowners to provide assistance to those displaced by the conflict.

If you are a homeowner in the UK and want to house refugees who have been displaced from the conflict in Ukraine or refugees from other countries as temporary non-paying guests in your home, you do not need to inform us as the cover will remain the same. This applies for the first 12 months of any refugees living with you, including when your policy is due for renewal. After 12 months, if any refugees are still living with you, then you should tell us when you next renew your policy.

Customers should be aware of any existing terms that might apply to non-paying guests within their insurance policy and contact us if they wish to discuss their cover or other changes in circumstances.

You should be aware of any existing terms that might apply to non-paying guests within your insurance policy, please contact us or your broker if you wish to discuss cover or other changes in circumstances.

Home insurance questions & answers

Does this only apply to refugees from Ukraine?

Although this commitment is in response to the Government scheme specifically set up to help refugees who’ve been displaced by the Ukrainian crisis, Zurich has chosen to extend this to home insurance customers who wish to welcome refugees from any country into their homes.

Under a Zurich home insurance policy do you consider refugees as part of the family?

Refugees are considered as temporary non-paying guests, which balances the needs of refugees for insurance of their personal possessions without prejudicing the existing cover already provided to the family.

What cover is available for refugees?

Our Contents cover allows up to £1000 for personal property belonging to temporary non-paying guests in the home. Cover is not available for money & valuables.

If I want to do this, will the Government's £350 payment for housing refugees affect my policy cover?

No, we will treat refugees as temporary non-paying guests and cover will apply as per the policy wording.

Would I be able to use my second home to accommodate refugees?

If you wish to house refugees displaced from the conflict in Ukraine in your second home, guest home or rental properties, or for longer than 12 months at your primary residence, you should discuss this with your broker or Zurich in the first instance.

What do I normally have to do if new people start living with me in my home?

Normally, if the people living with you change you must contact us so we can update our information to understand any changes in your cover needs and this requirement has not changed. As part of that change your premium could then go up, and some cover exclusions may apply if the new residents are not immediate family. However, in response to the Government scheme, we’ll treat any refugees as temporary non paying guests under your home insurance and you don’t need to tell us if you’re housing refugees in your home.

Volunteer driving in the UK

If you want to use your private vehicle to transport goods around the UK to aid in the humanitarian crisis unfolding in Ukraine, we will support this.

You do not need to inform us and your cover will not be impacted, in accordance with the ABI Volunteer Driving Commitments.

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Private vehicles used for humanitarian aid in the European Economic Area

If you want to use your private vehicle to deliver humanitarian aid to other parts of Europe in response to events unfolding in Ukraine, we want to support this.

A UK motor insurance policy will provide, at minimum, third party liability coverage for a period specified in the policy when driving within the ‘Free Circulation without Green Card’ zone.

We encourage you to familiarise yourself with regulations around the cross-border transport of goods and abide by any travel advice issued by the Foreign, Commonwealth & Development Office.

Please check your policy documents carefully for limits of coverage and policy exclusions.

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Commercial vehicles used for humanitarian aid in the European Economic Area

If businesses want to use their commercial vehicles to provide humanitarian aid in response to events unfolding in Ukraine, Zurich will support this.

Customers with commercial vehicles that have comprehensive motor insurance cover in the UK will be granted comprehensive coverage at no additional charge for any cross-border journeys taken for humanitarian reasons within the ‘Free Circulation without Green Card’ zone.

Please contact us if you require additional coverage or plan to leave the European Economic Area. Policyholders that are planning to undertake cross border journeys and would not normally be covered for these journeys under their existing comprehensive policy should inform Zurich of their plans.

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Motor insurance questions & answers

Do I need to inform you if I am using my fleet to transport goods and provide humanitarian aid from the UK to the Ukrainian border?

No, as long as you are only using your vehicle in any country included in the Free Circulation without Green Card zone.

If you intend to travel to any other country you must inform us. We encourage you to familiarise yourself with regulations around the cross-border transport of goods and abide by any travel advice issued by the Foreign, Commonwealth & Development Office.

I am planning on using our school/company mini bus/commercial vehicle to collect Refugees from the Ukrainian border and take them to a neighbouring country do I need to inform you?

No, providing humanitarian aid includes the transport of people as long as the vehicle in question is designed to safely transport passengers and that passenger capacity rules are abided by.

I am planning on using my personal car to collect refugees from the Ukrainian border and drive them to a country within the EEA do I need to inform you?

No, providing humanitarian aid includes the transport of people as long as passenger capacity rules are abided by.

[Zurich is not responsible for the content of external websites]