Important - you should read this |
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What cover do I have?
Your Zurich Insurance Company Basic Comprehensive policy will cover you for any damage to your vehicle (sustained in an accident, by malicious damage, fire, theft or attempted theft). In addition if you are involved in an accident you are covered for damage you cause to other people’s vehicles or property or for injuries they sustain.
Your policy is governed by the law that applies to where you reside within the United Kingdom. If there is any disagreement about which law applies, English law will apply.
How long is it for?
Your policy cover will normally run for 12 months and is renewable annually.
This leaflet provides a summary of the significant features, benefits and limitations of the cover provided by the Zurich Insurance Company Basic Comprehensive policy. The full terms, conditions or exclusions are shown in the policy document.
A copy of the policy is available on request.
Standard Cover
| Features and Benefits |
Exclusions or Limitations |
Policy Page Reference |
| Damage caused to your car by accident or malicious damage |
Refer to section "How much must I pay if I have a claim" |
Section 5
Page 5 |
| Legal liability to Third Parties |
Property damage is limited to £20 million plus a further £5 million for legal expenses. Death, injury or damage to property resulting from terrorism is excluded except as necessary to meet the requirements of the Road Traffic Acts |
Section 1
Page 4 |
| Driving other cars |
Only if included on certificate of insurance. Cover is limited to Third Party only while you are driving another car not belonging or hired to you. |
Section 2
Page 4 |
| Loss or damage to insured car by Fire or Theft |
Cover does not apply for loss or damage arising from theft or attempted theft if the keys to the car have been left in or on the insured car.
Refer to section "How much must I pay if I have a claim" |
Section 4
Page 4 |
| Audio, communication and satellite navigation equipment up to £100 (unlimited if fitted by vehicle manufacturer as standard) |
The equipment must be permanently fitted to your car |
Sections 4 & 5
Pages 4, 5 |
| Windscreen/sunroof repair or replacement |
Refer to section “How much must I pay if I have a claim” |
Page 5 |
| Uninsured Loss Recovery & Legal Expenses (up to £50,000) |
|
Part B
Page 6 |
| Vehicle repairs following accident, malicious damage, fire or theft |
Must be carried out by Zurich Approved Repairer. No courtesy car is provided while repairs are being carried out. |
Page 3 |
Optional Additional Cover
| Features and Benefits |
Exclusions or Limitations |
Policy Page Reference |
| Protected No Claim Discount (only available if you have 4 or more years NCD) |
2 claims in 5 years without loss of No Claim Discount |
Endt 11
Page 10 |
| Cover whilst driving in Europe |
There are some countries in which we are unable to provide cover |
Section 6
Page 5 |
| Breakdown Assistance and Recovery |
No Cover if breakdown occurs less than 1 mile from home |
Part C
Page 6 |
| Home-Call Breakdown Service |
Breakdown must occur at or less than 1 mile from your home |
Part D
Page 7
|
| Nationwide Breakdown Recovery Service |
No Cover if breakdown occurs less than 1 mile from home |
Part E
Page 7 |
| European Breakdown and Accident Assistance |
|
Part F
Page 7 |
How much must I pay if I have a claim?
Whilst the vehicle is not being driven
As shown under accidental damage excess in your quotation.
|
Fire, Theft or attempted theft (unless loss or
damage occurs while the insured car is
in a locked garage) |
£100 |
Whilst the vehicle is being driven by a person as below in addition to the accidental damage excess shown in your quotation an additional amount will apply as follows:
|
Aged under 21 years of age |
£250 |
|
Aged 21 – 24 years of age |
£200 |
|
Aged 25 or over who has not held a full UK driving licence for 12 months |
£100 |
Windscreen/windows/sunroof
|
Replaced or repaired |
£100 |
How do I make a claim?
You should contact us on the following numbers if you wish to report a claim or accident:
|
In the United Kingdom |
claim or accident |
0870 010 8899 |
| |
replacing/repairing glass |
0800 36 36 36 |
|
In Europe |
claim or accident |
0044 870 010 8884 |
How do I make a complaint?
We value the opportunity to investigate concerns you may have about our service. We are committed to handling complaints fairly, thoroughly and promptly.
If you have a complaint about your policy please call us on 0870 902 1272.
If you have a complaint about a claim, please call us on 0870 010 8899.
If you prefer, you may write to the Claims Manager at the office handling your claim.
Next steps if you are not happy with the response provided
We are dedicated to our customers and seek to do what is right, however, sometimes we may not be able to reach an agreement with you. If this is the case, and you remain dissatisfied once you have received our response to your complaint, we will refer your complaint to our Customer Relations Team for a separate review.
The Customer Relations Team will contact you to let you know they have received your complaint and when their review is complete, they will provide you with a final response on behalf of Zurich.
Complaint Procedure Leaflet
A leaflet containing full details of our complaint procedure will be provided during the complaint handling process and is available on request.
The Financial Ombudsman Service (FOS)
If we are unable to resolve your complaint to your satisfaction within eight weeks, or if you remain dissatisfied following receipt of our final response letter, you can ask the FOS to formally review your case. You must contact the FOS within six months of our final response. The FOS contact details are as follows:
Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
You can telephone on: 0845 080 1800
Or e-mail: complaint.info@financial-ombudsman.org.uk
This is a free and impartial service and will not affect your legal rights. You are entitled to contact the FOS at any stage of your complaint.
Can I receive compensation if Zurich cannot meet its obligations to me?
We are covered by the Financial Services Compensation Scheme (FSCS) which means that you may be entitled to compensation if we are unable to meet our obligations to you. Compulsory insurance is covered in full. Non-compulsory insurance is protected in full for the first £2000 and then 90% of any amount above £2000. Further information is available at www.fscs.org.uk or by contacting the FSCS directly on 020 7892 7300.
If I take out cover but then change my mind can I get my premium refunded?
If you decide that you do not want to accept the policy (or any subsequent renewal of the policy by us), please return it to us together with the Certificate of Insurance using the contact details provided on the covering letter within 14 days of receiving it (or for renewals, within 14 days of your policy renewal date). We will only charge you on a pro rata basis for the time we have been on cover subject to a minimum premium of £15 (plus insurance premium tax). The balance of the premium will be returned to you but there will be no refund where you are cancelling the policy following a claim where the vehicle is a total loss and not being replaced.
Can I cancel the policy at any other time?
You may cancel the policy at any time by telling us, either in writing or over the phone. We may cancel the policy by giving you seven days' written notice to your last known address. We will give you a refund in proportion to the time left until your current period of insurance is due to run out. We will add £50 to your time on risk premium if you cancel your policy within the first year. We will not pay a refund if we have paid a claim or one is outstanding at the time you cancel your policy. By law, you must return the certificate of motor insurance to us.
Ref: ZP15.08 (10.06)
Downloads
A copy of this summary of cover can be downloaded in PDF format by clicking the link below.
» Basic Comprehensive Car Insurance Summary of Cover (238kb - PDF)
You will require Adobe Acrobat Reader to view the download
file(s).
Full Policy Wording
For the full policy wording, including full terms, conditions and exclusions, please click on the link below.
» Basic Comprehensive
