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Important - you should read this |
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Zurich Connect Commercial Motor insurance is underwritten by Zurich Insurance Ireland Limited unless stated otherwise in the policy document. The policy provides motor insurance for business customers and offers a choice of 'own goods' or 'haulage' cover for commercial vehicles and business use (Including commercial travelling) for cars. This leaflet provides a summary of the significant features, benefits and limitations of the cover provided by the Zurich Connect Commercial Motor policy. The full terms, conditions and exclusions are shown in the policy document. By clicking here you can download the content of the policy document in PDF format.
English law will apply to uninsured loss recovery and legal expenses cover. The rest of your policy is governed by the law that applies to where you reside within Great Britain, Northern Ireland, the Isle of Man and the Channel Islands. If there is any disagreement about which law applies, English law will apply. Unless agreed otherwise, we will communicate with you in English. The place of jurisdiction for all disputes arising out of or in connection with this policy is England.
What cover do I have?
The cover you select is shown in your Statement of Facts.
How long is it for?
Your policy cover will normally run for 12 months unless you or we choose to cancel.
What cover is available?
Your Commercial Motor policy provides the following cover options:
Comprehensive cover – damage to your vehicle (sustained in an accident, by malicious damage, fire, theft or attempted theft), damage you cause to other people's vehicles or property or for injuries they sustain, uninsured loss recovery and legal expenses.
Third Party Fire & Theft cover – damage to your vehicle caused by fire, theft or attempted theft, damage you cause to other people's vehicles or property or for injuries they sustain, uninsured loss recovery and legal expenses.
Summary of cover and limits
The page numbers shown in brackets beside each section of cover are the page numbers in the policy document.
The page numbers shown in brackets beside each section of cover are the page numbers in the policy document.
| Features and benefits |
Exclusions or limitations |
Policy page reference |
| Damage caused to your vehicle by accident or malicious damage |
You must use a supplier that has been agreed with Zurich Connect if the insured vehicle is to be repaired or replaced otherwise we may not pay. We may offer you a cash settlement to the market value of the insured vehicle. Excess may be deducted. Refer to section 'About your cover'. |
Section B page 14
Statement of Facts |
| Legal liability to Third Parties |
Property damage is limited to £45 million plus a further £5 million for legal expenses in respect of cars. For commercial vehicles property damage is limited to £5 million Including legal expenses. Death, injury or damage to property resulting from terrorism is limited to £5 million. |
Section B page 13
Statement of Facts |
| Loss or damage to your vehicle by theft or attempted theft |
Cover does not apply for loss or damage by theft or attempted theft if the ignition keys or other removable ignition devices are in or on the insured vehicle. |
Section B page 14/15 |
| New Vehicle Replacement |
The cost of repairs must exceed 60% of the manufacturer's list price during the first year of registration as new. |
Section D page 19 |
| Audio |
The equipment must be permanently fitted to the insured vehicle. Equipment is covered to its market value if fitted by the vehicle manufacturer as standard for the insured vehicle. |
Section A page 10
– Accessories |
| Replacement vehicle locks following theft of keys or any other removable ignition device. |
Refer to section 'About your cover' |
Section B page 15
Statement of Facts |
| Trailers |
An attached trailer assumes the cover of the insured towing vehicle. Third party liability on detached trailers is provided to meet the requirements of any compulsory motor insurance legislation |
Section B page 13 |
| Personal belongings in your car |
If the insured car is unattended, personal belongings must be concealed in a locked luggage compartment or glove box. All windows and sunroof must be securely closed and all doors locked. |
Section B page 15
Statement of Facts |
| Windscreen/sunroof repair or replacement |
Refer to section 'About your cover' |
Section B page 15
Statement of Facts |
| Free foreign use |
Applies to EU and associated countries only. Refer to 'Geographical Limits' |
Section A page 10
Statement of Facts |
| Courtesy vehicle cover |
Only available using a Zurich Connect preferred supplier |
Section D page 20 |
| Uninsured Loss Recovery and Legal Expenses (up to £100,000) |
Refer to 'uninsured loss recovery and legal expenses' |
Section C page 16 |
The legal protection cover is underwritten and administered by DAS Legal Expenses Insurance Company Limited.
Significant Exclusions
It is not possible to extend cover under this policy to include the driving of other vehicles.
There is no cover for:
- loss or damage to any goods carried. (Section B)
- claims if the insured vehicle is being used for any purpose not permitted by the certificate (Section F exclusion 2)
- any airside risk (Section F exclusion 15)
- wear and tear, loss of use, mechanical, electrical, electronic, computer or computer software breakdowns, failures, faults or breakage (Section F exclusions 5, 7 and 11)
- pollution or contamination unless sudden and unexpected (Section F exclusion 20).
No Claims Discount (page 21)
Refer to Section E and Statement of Facts.
How much must I pay if I have a claim?
As shown under accidental damage excess in your Statement of Facts.
As shown under fire, theft or attempted theft excess in your Statement of Facts.
Whilst the vehicle is being driven by a person, as described below, an additional accidental damage excess 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 (not arranged through an approved repairer) |
£100 |
| Replaced (arranged through an approved repairer) |
£60 |
| Repaired |
Nil |
Other excesses may apply. Refer to your Statement of Facts for details.
How do I make a claim?
If you want to report a claim or accident in the United Kingdom you can contact us via the weblink displayed on the Internet or call 0800 434 6481.
If reporting a claim or accident elsewhere in Europe, call
00 800 7117 7117.
Replacing or repairing glass call
0800 345 7592.
To report a claim under Section C of your policy please call
0870 366 1542.
How do I make a complaint?
If you have a complaint about your policy, please e-mail us at:
business.service@zurichconnect.co.uk
or call us on 0845 603 1590.
If you have a complaint about a claim, please e-mail us at:
zurich.connect.claims@uk.zurich.com
or call us on 0800 345 7595.
If you prefer, you can write to us at:
PO BOX 16
Cardiff CF10 5YF.
If you have cause for complaint under the uninsured loss recovery and legal expenses section you should contact:
DAS Legal Expenses Insurance Company Limited,
DAS House,
Quay Side,
Temple Back,
Bristol BS1 6NH
or you can call on 0870 366 1542.
If your complaint has not been resolved to your satisfaction you may refer your complaint to the Financial Ombudsman Service (FOS).
The FOS contact details are as follows:
Financial Ombudsman Service,
South Quay Plaza,
183 Marsh Wall,
London E14 9SR.
You can call 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.
In addition you also have the option to contact the Irish Financial Regulator.
Their contact details are:
The Financial Regulator
PO Box 9138
College Green
Dublin 2
Ireland
Or you can call on: +353 1 410400
Can I receive compensation if Zurich Insurance Ireland Limited or DAS Legal Expenses Insurance Company Limited cannot meet their obligations to me?
Zurich Insurance Ireland Limited and DAS Legal Expenses Insurance Company Limited are covered by the Financial Services Compensation Scheme (FSCS) which means that you may be entitled to compensation if either of us are unable to meet our obligations to you. The compulsory element of the insurance is covered in full. The rest is protected in full for the first £2,000 and then 90% of the remainder of the claim. 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 future 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 the policy (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 £25 (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 insured vehicle is a total loss and not being replaced.
Can I cancel the policy at any other time?
If you cancel your policy later than 14 days from receiving it we will give you a refund in proportion to the time left until your current period of insurance is due to run out. An administration fee of £50 will be taken off this refund if you cancel your policy within the first year. There will be no refund where you are cancelling the policy at any time following a claim and the insured vehicle is a total loss and not being replaced.
Downloads
The information provided in this page is contained in the summary of cover that can be downloaded in PDF format by clicking on the link below. The file will also contain the policy wording, including full terms, conditions and exclusions.
Zurich Connect Motor Policy (349 KB - PDF)
ZPM14.01 (06.07)
You will require Adobe Acrobat Reader to view the download
file(s).
