Zurich Direct Car Insurance

Zurich provide their products through car insurance brokers and direct to the customer, and pride themselves in offering a truly comprehensive service with the same range made available through their British subsidiary Eagle Star.

The company should offer an insurance quote for your car provided you are resident in and the vehicle is kept in Great Britain (excluding Northern Ireland and the Channel Islands). The insured must be the owner, main driver and registered keeper of the vehicle. And importantly, there must be no more than 2 cars in the family, if car drivers under the age of 25 years are required. All drivers must be between 17 and 79 years old at the beginning of the car insurance policy, hold a full UK driving licence and be permanently resident in the UK.

The total number of fault accidents or claims (including theft) for each driver must not exceed 3 in the last 3 years and the total number of convictions*, fixed penalties or disqualifications (including pending) must not exceed 2 in the last 5 years. Drivers must not have been disqualified from driving or have a conviction with the prefix AC, BA, DD, DR, IN or UT within the past 5 years and must not have had a previous proposal refused, had terms imposed*, cover cancelled or a insurance policy not renewed.

The car must be a standard UK model and must not be modified from the manufacturer’s standard UK specification*.

They will offer comprehensive insurance in two forms and third party fire and theft only cover online, with fully comprehensive car insurance only available on vehicles valued in excess of £5000.

Fully comprehensive can be obtained through either their Basic Comprehensive or Car Solutions insurance cover options the main difference is the number of benefis normally considered as optional extras included as standard.

Business use by yourself and spouse is an available option, including commercial traveling.

Additional named car drivers can be added to the insurance policy. They must also be between 17 and 79 years at the beginning of the policy with additional excesses applicable for each claim dependant on the age of the driver* and their driving experience*.

Car no claims discount can be carried forward from your previous UK insurance company provided you ceased that policy within the last 2 years*. Company Car no claims discount* equal to the number of years since last claim or accident can also be considered.

You can elect to take no claims discount protection allowing you two claims in any consecutive five year period without affecting your discount.

Insurance claims are dealt with by telephone. A 24 hour claims helpline provides advice and links to their nationwide network of car repairers. Legal assistance is wide-ranging. Please see their site for details.

A courtesy car* will be made available, under the Car Solutions comprehensive insurance option only in the UK temporarily after an accident. Cover is extended* to include a car your motor trader gives you (a small hatchback) while your vehicle is in a garage being repaired, by an approved car repairer, following an accident, fire or theft.

You have free cover traveling abroad* under the Car Solutions comprehensive insurance option only for up to 60 days in any one trip, throughout the E.U. and certain other states. The level of insurance cover will be that purchased under your policy for UK use, you should always check before traveling. After 60 consecutive days, unless the period has been extended* by prior arrangement, car insurance cover is restricted to only the minimum required by law in the E.U. member countries and in certain other.

Medical Expenses* are covered under the Car Solutions comprehensive insurance option only, up to £200 for treatment of each person who is injured in an accident in your car. For the main driver only Zurich will also pay £30 a day for up to 30 days if you have to stay in hospital for more than a day. Personal Accident Benefits* cover you or a member of your family who permanently lives with you and is aged between 16 and 79, as a result of an accident while traveling by car, £10,000 for death, permanent total loss of sight in an eye or use of an arm or leg.

Breakdown cover* in the UK is included as standard under the Car Solutions comprehensive insurance option only.

Please note, conditions will apply for all of the insurance products for cars mentioned above, please contact the insurer concerned for more information.

* Specific conditions apply, not detailed here, please see the company's literature for full details.