Zurich Motor Insurance Features & Benefits

Summary Of Policy, Features And Benefits

Driving Options – Named Drivers

Allows named drivers (from the age of 25) with full or provisional licences to be added to the policy.

Driving Other Cars

Automatic third party cover for the policyholder is included whilst driving other private motor cars (that you do not own/lease).

Windscreen Cover

Windscreen cover is standard on Comprehensive policies and available for an additional premium on Third Party Fire and Theft policies. If you use a recommended windscreen repairer (contact Zurich 24 Hour Emergency Helpline on 1890 208 408) cover is unlimited. If you do not use the recommended windscreen repairer the maximum amount payable is €225.

Cost Of Car Hire For Loss Or Damage Claims

Temporary replacement car (up to 1800cc max) available for up to 10 days where the insured car is the subject of a loss or damage claim on Comprehensive policies or damage by fire or theft only of Third Party Fire and Theft policies. Contact Zurich 24-Hour Emergency Helpline on 1890 208 408.

Free Green Card

Valid for up to 60 days driving within the EU in any one period of insurance.

Partial No Claims Bonus Protection

Allows for up to two unlimited claims within a 3 year period without affecting your No Claims Bonus at renewal. No penalty on your No Claims Bonus for one fire or theft claim in any one year and no penalty for windscreen claims. Available for an additional premium as an optional extra.

Step Back No Claims Bonus

Automatically included. In the event that you claim (excluding claims within the partial No Claims Bonus limit), you will not lose your full No Claims Bonus. Instead your No Claims Bonus will be stepped back by 2 years for the first claim in any one year. No discount will be allowed on the following renewal should a second claim arise in any one year.


Standard policy excess is €250 for own damage. For drivers under 25 or drivers with a Provisional Licence, the excess is €375. No excess applies to windscreen, fire, theft and attempted theft claims.

Personal Accident

For injuries sustained by the driver and/or passenger (policy holder and/or spouse) of the insured car Certain limits apply (Comprehensive policies only).

Medical Expenses

Cover for up to €200 medical costs per passenger injured (certain conditions apply). Available only on Comprehensive policies.

Personal Effects

Cover for handbags, including cash (covered up to €150), sports equipment, clothing and childcare accessories up to €400 if stolen from the boot of the car or locked glove compartment. Comprehensive policies only and mobile phones excluded.

New Car Concession

(Comprehensive policies only). Where vehicle is less than 12 months old and damaged by more than 60% of its market value or stolen and not recovered, a new vehicle will be provided of same make and model (if available) on a New for Old basis.

Motor Breakdown Rescue

A 24-hour accident and breakdown service providing:

  • Breakdown, attempted theft and accident assistance
  • Driveway assistance
  • Towing
  • Message relay service
  • Completion of journey or overnight accommodation or a replacement car for up to 48 hours.

The above options are at the discretion of the assistance company. Freephone 1800 377 700.

Legal Expense Cover

Accident Loss Recovery, Personal Injury and Motor Legal Defence.

Cornmarket Group Financial Services Ltd. is regulated by the Central Bank of Ireland. A member of the Irish Life Group Ltd. Zurich Insurance plc is regulated by the Central Bank of Ireland.

The details provided are correct at the time of going to print (May 2015). The insurers reserve the right to amend policy terms and conditions available on renewal date. Underwriting criteria, terms & conditions apply. For full policy terms and conditions, please refer to policy guide/membership certificates.

Telephone calls may be recorded for quality control and training purposes.