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How to make a claim
If you have been involved in an accident or need to make a claim, it’s reassuring to know that help is at hand when you need it most.
Contact us
If you have been involved in a motor accident and/or need to make a claim call us on our 24 hour claims assist helpline 01 609 1436. We will take all the details from you, provide you with a claim number and send you out the required claim form or alternatively, you can also download our motor Incident claim form or windscreen claim form. The claim form should be completed and returned to us as soon as possible. If you are claiming against another insurer for your motor damage, we can provide you with advice on how to make your claim.
Damage assessment
If your car is not driveable we will arrange to have your car towed to the nearest Zurich approved repairer or to any garage of your choice, if it is nearer. If your car is already in a garage or storage yard check if you’re being charged for this, as these costs are not covered under your policy. You will need to get an estimate for the cost of repair. We may get our motor assessor to inspect the damaged and/or direct you to a Zurich approved repairer, who will provide you with a courtesy vehicle subject to you having cover for car hire under your policy. The vehicle type and duration is outlined in your policy document.
Repairs
You can appoint your own motor assessor to inspect your damaged vehicle and help with the preparation of your claim, but the cost will be at your own expense. There is no cover for car hire if you opt to have your repairs carried out with a garage other than a Zurich approved repairer. We will notify you of the agreed repair costs and your vehicle repairs can begin. When repairs are complete you will need to send us the repair bill. We will issue a settlement cheque, less your policy excess (refer to your policy schedule). Zurich approved repairers will bill us direct for repairs.
Car written-off
If your car is written-off or uneconomical to repair, our motor assessor will inspect and put a value on the vehicle based on its condition before the accident (pre-accident value). This value will be offered to you in settlement less your policy excess (see policy schedule). We will require the original Vehicle Licence Certificate and claim form before we can issue your cheque. We will provide car hire for up to 10 days, subject to you having cover for car hire under your policy, and we will offer to dispose of the salvage of your vehicle.
Stolen vehicle
If your car is stolen and not found, you will be sent a motor theft questionnaire for completion. We will settle your claim based on the pre-theft value which our motor assessor will place on your vehicle. We will require the original Vehicle Licence Certificate, claim form and motor theft questionnaire before we can issue your cheque. We will provide car hire for up to 10 days, subject to you having cover for car hire under your policy.