Not clear on something? No problem. We’ve put together a list of the questions we’re asked most often. Take a look and if your question hasn’t been answered below please email us, chat online or call. You’ll find all our contact details on the right of this page.
How do Car Solutions car insurance and the Basic Comprehensive car insurance differ?
Solutions is our comprehensive policy and offers extra cover that’s not included in the Basic Comprehensive policy. To help you compare the two we have compiled a table that makes the differences easy to spot: » see the comparison table.
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I am not sure of the exact date I passed my driving test. Can I still get a quote?
You only need the year and month to get a quotation from us, but you can find the date you passed in the plastic section of your driving licence. The date in section 10, entitled ‘From’ is the date you passed your test.
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Why isn’t my car’s make and model recognized when I try and get a quote from you?
Your car should normally be recognized when you key in your registration number. However you can enter the make and model details and press the 'Search' button to find your car selection. If your car description is not listed, please contact our Internet team on 0845 300 2662 and they will be able to help. There are some vehicles, for example, imports and high performance or value cars that we cannot quote for.
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What does Insurance Excess mean?
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 driver or if your policy carries a voluntary excess in addition to any compulsory policy excesses.
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Young/Inexperienced Drivers Excesses
If your car is damaged whilst being driven by an inexperienced or young driver, the following amounts of excess apply:
- 17 to 20 years of age - £250
- 21 to 24 years of age - £200
- 25 years of age and over, and is either a provisional licence holder, or has not held a full private car driving licence issued in the United Kingdom for one year - £100.
These excess amounts apply in addition to the compulsory excess plus any voluntary excess. Both of these are shown on your schedule.
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Compulsory Excess
As shown on your policy schedule.
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Voluntary Excess
This is an excess that you choose as part of your policy. If you opt for a voluntary excess you’ll make a saving in your annual premium.
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Malicious Damage
If your car sustains malicious damage while not being driven, an excess amount of £100 will apply. Otherwise the excesses above will apply.
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Fire and Theft
If your car is lost or damaged as a result of malicious fire, theft, attempted theft or when taken without lawful authority, an excess amount of £100 will apply unless at the time of such loss or damage your car was parked in a locked garage.
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Glass
Where damage is limited to glass in the windscreen, windows or sunroof (or any scratching of bodywork resulting directly from a breakage), the following excesses apply:
Solutions - £50 if the glass is replaced by Autoglass, or £80 if the glass is not replaced by Autoglass.
Where the glass is repaired no excess will apply.
Basic Comprehensive - £100.
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Replacement Locks
This cover is for Car Solutions only. In the event of accidental loss or theft of keys to your car, we will pay for the replacement of the relevant car lock(s), up to a total of £350 per claim. This amount is subject to a £100 excess.
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Am I covered to drive abroad?
This cover is for Car Solutions only. If you have a Basic Comprehensive policy, please contact us on 0800 0966 233 before you travel. You will be covered to use the insured car in any of the countries listed in the policy for trips up to a maximum of 60 days. If your trip is for longer than 60 days you need to contact us first.
| Countries |
|
|
| Austria |
Iceland |
Portugal |
| Belgium |
Italy (inc San marino & Vatican State) |
Poland |
| Croatia |
Latvia |
Republic of Ireland |
| Cyprus |
Lithuania |
Slovak Republic |
| Czech Republic |
Liechtenstein |
Slovenia |
| Denmark |
Luxembourg |
Spain |
| Estonia |
Netherlands |
Sweden |
| Finland |
Germany |
Switzerland |
| France (inc Monaco) |
Greece |
United Kingdom (inc Isle of Man, Channel Islands and Gibraltar) |
| Hungary |
Malta |
Norway |
We can also offer cover for Andorra, Romania, Turkey (European) as long as you give us 21 days notice. You will need a Green Card and have to pay a charge for this cover abroad. To arrange your cover, call us on 0800 0966 233, or contact your broker for details of how to get a Green Card and the policy’s charges. We can only provide cover for the countries listed above.
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Do I need a Green Card to go abroad?
No. Green Cards are no longer needed in the European Union but you will need one if you’re travelling to Andorra, Romania or Turkey (European). If you’re heading for one of these countries you will need to contact us on 0800 0966 233, or your broker.
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How do I make a claim?
You can find details on how to make a claim in the Car Solutions Zuricare Motoring Assistance booklet we sent you with Solutions policy documents and in the Summary of Cover and policy booklet. You can reach our Claims Team on 0870 010 8899 around the clock, 365 days a year.
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Who will repair my car?
Your car will be repaired by one of our approved repairers, chosen because of their excellent customer service and the quality of their repair work. You will also receive a 3-year guarantee on all accident repair work from the repairer.
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Will I get a courtesy car?
If you have a Car Solutions Insurance policy and you have an accident that leaves your car immobile, it will be taken to one of our approved repairers who will arrange to supply a courtesy car to you as soon as they can. If you take your car to a repairer of your own choice instead, a courtesy car won’t be provided.
If your car is mobile, we’ll make arrangements for the repair and a courtesy car whilst the repairs are being carried out. Your courtesy car will be a group A vehicle, such as a Nissan Micra, with a manual gearbox.
If the Zurich engineer advises that your vehicle is a total loss, you can keep the courtesy car for 4 days from the date it was supplied to you. The courtesy car will be covered under your own policy while you have it, so the same terms and conditions apply, except you will not be able to take it abroad.
We can’t provide a courtesy car if your own car is stolen and not recovered, or destroyed by fire, for example. This will also be the case should you choose to take your car to a repairer of your own choice, rather than one of our approved repairers.
If you have a Basic Comprehensive or Third Party Fire & Theft policy, a courtesy car is not included in your cover.
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