Zurich Car Insurance FAQs | Zurich Ireland

Frequently asked questions

How can I get a car insurance quotation?

To get a car insurance quote please call us on 053 915 7775 or alternatively you can complete a callback request and we will give you a call at your convenience.

Do I lose my no claims discount after a claim?

As a valued Zurich car insurance customer, you will not lose your entire no claims discount. The discount applying will be stepped back at the next renewal date. For accidental damage or third party claims your no claim discount will be stepped back by two years. Fire, theft and windscreen claims will not affect your no claims discount.

Can I fully protect my no claims discount?

Yes, for an additional premium you can protect your no claims discount. This will mean you will preserve the no claims discount you earned even if you have a claim. The protection offered means you can have two claims within a three year period that will not affect your no claims discount.

Is windscreen cover included and what exactly does it cover?

Windscreen cover is included automatically under Comprehensive car insurance policies and can be added for an additional premium to third party fire and theft policies. In addition to the actual windscreen cover, damage to the back and side windows is also covered. If you have windscreen cover on your policy and would like to report damage to the windscreen, rear screen or body glass in your vehicle, call our approved repairer - Allglass Windscreens at 1890 20 12 12 (local) 00 3531 85 00052 (from overseas) or report your claim online here.

Terms and conditions apply, please refer to your policy document for full details.

Am I covered to drive someone else's car?

Yes, when you take out a Zurich car insurance policy, you are covered to drive other private cars at third party only cover. Please see your policy document for any restrictions that may apply.

Am I covered for free 24 Hour Breakdown Assistance?

Our Comprehensive car insurance policy holders get free motor breakdown assistance in the Republic of Ireland and in Northern Ireland. In the ROI you can contact us on our 24 hour emergency helpline 1890 208 408. If you are calling from Northern Ireland you can contact us on 0808 1017444. Breakdown assistance is also available to our third party fire and theft private motor policy holders - you pay the cost of such assistance but gain the benefit of our specially negotiated rates.

What should I do if my car breaks down?

If your car is immobilised anywhere in the Republic of Ireland, contact our 24 hour emergency helpline 1890 208 408. If your car is immobilised in Northern Ireland contact us on 0808 1017444. We will arrange for someone to come to your assistance as soon as possible. Our 24 hour breakdown assistance is free for comprehensive motor insurance policy holders.

Under third party, fire and theft policies, you pay the cost of such assistance but gain the benefit of our specially negotiated rates. Any outlay for which you are entitled to claim under your policy will be reimbursed to you.

What should I do in the event of an accident?

Report the accident to the Gardai immediately. If the accident involves injury to people you are required by law to report the incident to the Gardai or local police (if abroad) as soon as possible and in any case within 24 hours.

Note the registration of any vehicles involved.Exchange names, addresses, driving licence & car insurance details with anyone involved. Try to obtain the names and addresses of any witnesses.

This is a stressful situation so don’t be pressurised by others at the scene into admitting any fault on your part. When you’ve had time to recover and look at the facts, things may in reality be very different.

If possible, draw a basic diagram of the accident location to include approximate road measurements, road signs, markings, traffic signals and vehicles involved. Take details of all injuries and damage sustained. If you have a mobile phone with a built-in digital camera, you could also take some photos.

Notify us of your accident within 48 hours on our 24 hour emergency helpline 1890 208 408. We are available 24 hours a day, 365 days a year. We will send you an accident report form, which must be completed and returned to us as soon as possible (but no later than 48 hours from the date of the accident).

Let us know immediately if you receive notice of any prosecution or if other parties are to be prosecuted as a result of the accident. All correspondence from third parties, their insurers or representatives should be sent to us unanswered as soon as it is received.

All Zurich customers can avail of our claims assistance helpline 1890 208 408, where queries regarding your claim will be dealt with.

What should I do in the event my car is stolen or damaged?

If your car is stolen or damaged as a result of theft or malicious damage, immediately report the matter to the Garda or police station nearest to the location. Please notify us of the theft and/or damage within 48 hours on our 24 Hour Emergency Helpline 1890 208 408.

In the event of an accident, am I covered for Car hire?

Yes. If you have a comprehensive car insurance policy with Zurich, we will arrange a replacement car (up to a maximum of 1200cc) for up to seven days while your car is being repaired.

This online form can be used for any query or change you may have to your policy.

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Terms, conditions and underwriting criteria may apply.