Car insurance comparision of cover
This page provides a comparison of Zurich's three Car Insurance policies.
It does not detail all the policy cover, limits, terms
conditions or exclusions.
If you would like to see the full details please refer to the relevant policy
wording documents.
All policies offer up to 65% no claims discount after 5 years claims free,
together with an option to pay monthly.
Policy Cover and Benefits
| Common Features |
Car Solutions Cover |
Basic Comprehensive Cover |
Third Party,
Fire & Theft Cover |
| Uninsured Loss Recovery & Legal Expenses |
Yes |
Yes |
Yes |
| Up to 65% No Claim Discount after 5 years claim free |
Yes |
Yes |
Yes |
| Loss or damage to insured car(s) by Fire or Theft. Loss by theft or attempted
theft is not covered if the ignition keys are left in or on your car |
Yes |
Yes |
Yes |
| Legal costs arising from a Third Party claim |
Yes |
Yes |
Yes |
| Emergency treatment costs |
Yes |
Yes |
Yes |
| Manslaughter defence costs |
Yes |
Yes |
Yes |
| 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) |
Yes |
Yes |
Yes |
| Driving other cars (Third Party only) - This is only available if set
out in your Certificate of Insurance, covering the policyholder, if aged
25 or over, driving, with the owners permission, another motor car not belonging
to or hired by the policyholder within the UK or Republic of Ireland |
Yes |
Yes |
Yes |
| Features |
Car
Solutions
Cover |
Basic
Comprehensive
Cover |
Third Party,
Fire & Theft
Cover |
| Accidental damage to insured car(s) |
Yes |
Yes |
No |
| Cover for audio equipment (Solutions/Third Party, Fire & Theft unlimited
if fitted by the vehicle manufacturer) |
Up to £500 |
Up to £100 |
Up to £250 |
| Cover for replacement locks following loss or theft of keys |
Up to £350 |
No |
No |
| Personal belongings in the insured car increased to £250 in December.
When the car is unattended, personal effects must be concealed in a glove
box or luggage compartment. |
Up to £150 |
No |
No |
| Loss of or damage to pushchair or wheelchair |
Up to £200 |
No |
No |
| Personal accident benefits for policyholder and family |
Up to £10,000 |
No |
No |
| Hospital benefits for policyholder (up to 30 days) |
£30 per day |
No |
No |
| Medical expenses (per person) |
Up to £200 |
No |
No |
| Windscreen, window and sunroof glass repairs, without loss of No Claim
Discount |
Yes |
Yes |
No |
| New Car Replacement - If repairs to an insured car exceed 60% of the manufacturers
list price (including VAT) during the first year of registration as new |
Yes |
No |
No |
| Free foreign use (EU and associated countries) |
Up to 60 days any one trip |
Optional |
Up to 60 days any one trip |
| Loss or damage to luggage trailer |
Up to £250 |
No |
No |
| Features |
Car Solutions Cover |
Basic Comprehensive Cover |
Third Party,
Fire & Theft Cover |
| Courtesy car (small hatchback) while your car is being repaired, by an
approved repairer, following an accident, fire or theft or for 4 days if
your car is subsequently deemed a total loss. |
Yes |
No |
No |
| Protected No Claims Discount |
Optional |
Optional |
Optional |
| Breakdown Assistance and Recovery (over 1 mile from home) |
Yes |
Optional |
Optional |
| Home-Call Breakdown Service |
Optional |
Optional |
Optional |
| Nationwide Breakdown Recovery Service |
Optional |
Optional |
Optional |
| European Breakdown and Accident Assistance |
Optional |
Optional |
Optional |
Excesses
In addition to the accidental damage excess shown in your quotation, an additional
amount for each claim is due
| whilst the vehicle is being driven by a person |
Car Solutions Cover |
Basic Comprehensive Cover |
Third Party,
Fire & Theft Cover |
| Aged under 21 years of age |
£250 |
£250 |
Not covered |
| Aged 21 - 24 years of age |
£200 |
£200 |
Not covered |
| Aged 25 or over who has not held a full UK licence for 12 months |
£100 |
£100 |
Not covered |
| Fire and theft |
Car Solutions Cover |
Basic Comprehensive Cover |
Third Party,
Fire & Theft Cover |
Fire, theft or attempted theft.
Does not apply to theft if loss or damage occurs while an insured car is
in a locked garage. |
£100 |
£100 |
£100 |
| Windscreen/windows/sunroof |
Car Solutions Cover |
Basic Comprehensive Cover |
Third Party,
Fire & Theft Cover |
| Replaced |
£80 or £50 if replaced by Autoglass |
£100 |
Not covered |
| Repaired |
Nil |
£100 |
Not covered |
What is not insured
For details of the major exclusions or restrictions which apply to our car
insurance cover, please click here and
select the relevant cover. The full policy wording and summary of cover can
be found by clicking the link at the bottom of the selected page.
|
Legal