Online car insurance policy summary

Important - you should read this

Your Zurich Connect Car Insurance policy is underwritten by Zurich Insurance plc (unless stated otherwise in the policy document). This web page provides a summary of the significant features, benefits and exclusions of the cover provided by the Zurich Connect Motor policy. The full terms, conditions and exclusions are shown in the car insurance policy document. By clicking here you can download the policy document in PDF format.

English law will apply to the legal protection section and breakdown cover. The rest of the contract is governed by the law that applies to where you reside within the United Kingdom, Channel Islands or Isle of Man. If there is any dispute as to which law applies, it will be English law. Unless agreed otherwise, we will communicate to you in English.

What cover do I have?

The cover you select will be shown in your Statement of Facts when you purchase your car insurance online.

How long is it for?

Your motor insurance policy will normally run for 12 months unless you or we choose to cancel.

What cover is available?

Your motor insurance policy provides the following cover options:

Standard 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.

Zurich Breakdown Services (optional) – Breakdown Recovery Assistance plus other related cover.

Protected No Claims Discount (optional) – protecting your No Claims Discount.

To find out more about the following click on the links below:

Optional additional covers?

How much must I pay if I have a claim?

How do I make a claim?

Details of the key features of each cover you may select are listed below.

Summary of cover and limits

The page numbers shown in brackets beside each section of cover are the page numbers in the car insurance policy document.

Standard cover

Features and benefits	Exclusions or limitations	Policy page reference
Damage caused to your car by accident or malicious damage.	You must use a supplier that has been agreed with Zurich Connect if the insured car is to be repaired or replaced. We may offer you a cast settlement to the market value of the insured car. Excess may be deducted. Refer to section ‘About your cover.’	Section C page 15 Statement of facts
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 C page 14
Loss or damage to insured car by Fire or 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 car.	Section B page 15
New Car Replacement.	The cost of repairs must exceed 60% of the manufacturers list price during the first year of registration as new.	Section C page 19
Electronic audio-visual equipment is covered to its market value if fitted by the vehicle manufacturer as standard for the insured car.	The equipment must be permanently fitted to the insured car. Equipment which is not fitted to the insured car as standard must be disclosed to us and shown on the Statement of Facts.	Section B page 15 Statement of facts
Replacement vehicle locks following loss or theft of keys or any other removable ignition device.	Refer to 'Loss or Damage to the Insured Car'	Section B page 14
Personal belongings in the insured car.	If the insured car is stationary and unattended personal belongings must be concealed in a locked luggage compartment or boot. All windows and sunroof must securely closed and all doors locked.	Section B page 14 Statement of facts
Driver's and Passenger's Accident and Health Assistance.	Refer to 'Driver’s Accident' and 'Passenger’s Accident.' Refer to section 'About your cover.'	Section B page 15 & 16 Statement of facts
Windscreen/sunroof repair or replacement.	Refer to section 'About your cover'	Section B page 15 Statement of facts
Free foreign use up to 60 days any one trip.	Applies to EU and associated countries only. Refer to geographical limits.	Section A page 11 & 12
Courtesy car repairer if insured car being repaired following an accident, fire or theft.	Only available using a Zurich Connect preferred repairer.	Section D page 19
Uninsured Loss Recovery & Legal Expenses (up to £100,000).	Refer to 'Uninsured Loss Recovery and Legal Expenses'.	Section C page 17

The legal protection cover is underwritten and administered by DAS Legal Expenses Insurance Company Limited (‘DAS’).

Optional additional covers

These covers only apply if shown in your Statement of Facts

Zurich Breakdown services

Features and benefits	Exclusions or limitations	Policy page reference
Breakdown Assistance and Recovery.	No cover if breakdown occurs less than ¼ mile from home. Refer to section 'About your cover.'	Section F page 22 Statement of facts
Home-Call Breakdown Service.	Breakdown must occur at or less than ¼ mile from your home. Refer to section ‘About your cover.’	Section F page 22 Statement of facts
Nationwide Breakdown Recovery Service.	No cover if breakdown occurs less than ¼ mile from home. Refer to section 'About your cover.'	Section F page 23 Statement of facts
European Breakdown and Accident Assistance	Refer to section 'About your cover'	Section F page 23

Zurich Connect Breakdown Services is provided by Green Flag Motoring Assistance. Green Flag Motoring Assistance is a trading name of UK Insurance Limited, the underwriter of this cover.

No Claims Discount

Features and benefits	Exclusions or limitations	Policy page reference
Protected No Claims Discount.	2 claims in 5 years without loss of No Claim Discount. Refer to section 'No Claims Discount Protection.' Claims may be taken into account when calculating your premium.	Statement of facts
Guaranteed No Claims Discount.	Claims may be taken into account when calculating your premium.	Statement of facts

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 Statement of Facts.

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:

Windscreen/windows/sunroof

Other excesses may apply. Refer to your Statement of Fact for details.

How do I make a claim?

Reporting a claim or accident in the United Kingdom: 0800 345 7595

For emergency breakdown assistance call: 0800 234 6839

For uninsured loss recovery and legal expenses call: 0870 366 1542

Replacing or repairing a glass: 0800 345 7592

For motor legal helpline call: 0800 434 6485

How do I make a complaint?

If you have a complaint about your motor insurance policy,
please email us at: service@zurichconnect .co.uk or call us on our 0845 603 4592.

If you have a complaint about a claim, please email us at: zurich.connect.claim s@uk.zurich.com
or call us on car insurance helpline 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 legal protection section of your motor insurance policy you should contact:

DAS Legal Expenses Insurance Company,
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 telephone on: 0845 080 1800.

Or e-mail:
complaint.info@ financialombudsman.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 Insurance plc, DAS Legal Expenses Insurance Company Limited or UK Insurance Limited cannot meet their obligations to me?

Zurich Insurance plc, DAS and UK Insurance Limited are covered by the Financial Services Compensation Scheme (FSCS) which means that you may be entitled to compensation if either of us is 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 £2000 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 £15 (plus insurance premium tax).The balance of the premium will be refunded but there will be no refund where you are cancelling the policy following a claim where the insured car 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. £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 car is a total loss and not being replaced.

If I take out Breakdown Assistance cover but then change my mind can I get my premium refunded?

If you have purchased additional Zurich breakdown cover and you cancel this cover more than 14 days after receiving the policy, independently to your policy, there will be no refund.

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 (153 KB - PDF)

You will require Adobe Acrobat Reader to view the download
file(s).