You should notify the underwriter of the policy about an accident as soon as possible. If you wish to report a new claim or discuss an existing claim, please contact Zurich, the underwriter of your policy on 1890 208 408.
In the event of an accident:
Note the registration of the vehicles involved. If there is damage to any other vehicle or property, exchange names and addresses with any person whom you will have reasonable grounds to ask for their insurance details.
Do not admit liability for the accident.
Report the accident to the Gardaí at the time. If the accident involves injury to persons or certain animals, you are required by law to report the incident to the Gardaí or local police (if abroad) as soon as possible and in any case within 24 hours.
Take details of all injuries and damage sustained. Draw a basic diagram of the accident location to include approximate road measurements, road signs, markings, traffic signals and the vehicles involved. Take photos if possible.
Obtain the names and addresses of any witnesses.
Please notify Zurich of your accident within 48 hours on their 24 hour emergency helpline 1890 208 408. Zurich will send you an accident report form, which must be completed and returned to Zurich as soon as possible in order for them to deal with the matter (but no later than 48 hours from the date of the incident).
Let Zurich know immediately if you receive notice of any prosecution of if other parties are to be prosecuted as a result of the incident.
All correspondence from third parties, their insurers or representatives should be sent to Zurich unanswered as soon as possible after receipt.
All Zurich customers can avail of the Claims Notification Helpline 1890 208 408, where queries regarding your claim will be dealt with.
If your car is stolen or maliciously damaged, immediately report the matter to the Gardaí or police station nearest to the location.
Please notify Zurich of the theft and/or damage within 48 hours on their 24 hour emergency Helpline 1890 208 408.
All correspondence from third parties, their insurers or representatives should be sent to Zurich, unanswered, as soon as possible after receipt.
All Zurich customers can avail of the Claims Notification Helpline 1890 208 408, where queries regarding your claim will be dealt with.
Windscreen cover is automatically included for comprehensive policies. On Third Party Fire and Theft policies windscreen cover may be included for an additional premium. Please refer to your certificate and disc of insurance to see if cover applies to you or alternatively contact our helpdesk on (01) 4084020.
In the event of windscreen damage, you should notify Zurich on their 24 hour emergency helpline 1890 208 408.
Cover is unlimited where an approved repairer is used; otherwise the maximum cover is €225. No excess applies to windscreen claims. For more information on approved repairers please contact Zurich on 1890 204 408.
No, you do not have to use an insurer approved repairer. However, you need to be aware that there may be lower limitations on the amount of cover that will apply if you choose to use someone other than the approved repairers.
To view the policy excess applicable to your policy please refer to policy excess FAQ.
For more information on approved repairers please contact Zurich on 1890 208 408.
This is the first amount of any claim you must pay. There are different excesses applicable depending on the age of the driver, the type of claim and the driver’s licence type.
Please see tables below for excesses applicable to your policy:
Zurich Standard Excess
Age of Driver 25+ Full licence holder €250
Provisional Licence Holder €375
17 - 24 Full licence holder €375
Provisional Licence Holder €375
No excess applies to windscreen, fire, theft and attempted theft claims.
If you have a claim, it may increase the cost of your premium when your policy is due for renewal. Your No Claim Bonus may also be affected; this depends on the level of No Claim Bonus Protection you have on your policy. Please refer to the policy benefits section or to “What is a No Claims Bonus?” section.
Every year depending on your claim experience, you may earn a No Claim Bonus, for which you will receive a discount off your annual insurance premium. The more years No Claim Bonus earned, the higher the discount off your premium, subject to Zurich’s maximum No Claim Bonus allowance.
If you make a claim on your policy your No Claim Bonus could be reduced to nil at your next renewal unless you have availed of one of our No Claim Bonus protection options:
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.
Step Back No Claims Bonus Protection: 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.
Please see table below for what level of No Claims Bonus that applies for your policy cover:
Zurich No Claims Bonus Protection
COMP TPFT
Protected No Claims Bonus Optional Optional
Step Back No Claims Bonus Yes Yes
COMP - Comprehensive Cover
TPFT - Third Party Fire & Theft
Please refer to your certificate and disc of insurance to see if optional bonus protection cover applies to you or alternatively contact our helpdesk on (01) 4084020.
If your car is immobilised more than 2km from your home address as a result of a mechanical or electrical fault, loss of keys or driver error and cannot be driven, Zurich will provide 30 minutes Roadside Assistance free of charge.
In the Republic of Ireland please contact Roadside Assistance on 1890 208 408 and in Northern Ireland 0808 1017444.
Yes, you can avail of a temporary substitution (usually if your car is in a garage getting repaired) or a permanent substitution (if you are changing your car permanently).
In order to change the car on cover, you will need to contact the Customer Service Helpdesk on (01) 4084020. Please ensure, you have the make and model, registration, engine size and value of the car you wish to switch to, before contacting us.
The car insurance cover is restricted to persons named on the certificate, including the policyholder.
Yes, Zurich can provide cover up to 1 month; drivers are subject to our normal underwriting criteria and charges will depend on period of cover, driver age and licence type.
In order to add a driver to your policy, you will need to contact the helpdesk on (01) 4084020. Please ensure you have the name, date of birth, licence type, driving history (convictions, medical conditions, penalty points etc.) and occupation of the driver(s) to be added prior to contacting us.
Driving of other cars allows you to drive other private motor vehicles on a third party basis, provided the vehicle:
Does not belong to the insured
Is not hired or leased to the insured under a Hire Purchase or Leasing Agreement.
Is not the property of or in custody of any company or firm of which the insured is a member, director or employee.
Is not the property of or in custody or control of a motor trade business of which the insured is a member, director or employee.
Full policy cover applies only in the Republic of Ireland and the United Kingdom.
To ensure that your current level of protection is maintained for travel to any other country you must let us know before you make the trip. We will require the dates of your trip and the countries to be visited.
Contact our helpline on (01) 4084020 in advance of your journey if you require an extension of this policy cover.
You must remember to take your policy and Certificate of Insurance with you.
Whether you want to add a driver to your car insurance policy, change your address or change your car, you can contact one of our Car Insurance Experts on (01) 4084020. We will discuss the changes to your policy that you need and if there will be any additional charge to your car insurance premium or any change to the terms and conditions of your Car Insurance Policy.
Your renewal notice is based on the most recent information supplied by you. If these details have changed, please contact us immediately so we can update your details and issue you with a revised renewal notice if necessary. It is possible to save money on your car insurance premium. Below are a few ways in which you could reduce your costs:
Select Renew Policy from the home page and follow the easy steps. All you need is:
A credit/charge/debit card
If your renewal date has passed, or if you experience difficulty using our online facility, please contact the Customer Service Helpdesk on (01) 4084020 between the hours of 9am and 7pm, Monday to Thursday and 9am to 5.30pm on Friday’s.
Log on to www.cornmarket.ie and click on the ‘Renew Your Policy’ button and follow the easy steps. All you need is:
A credit/charge/debit card
Your policy number
Your renewal pin – which is supplied on your renewal notice.
If your renewal date has passed, or if you experience difficulty using our online facility, please contact the Customer Service Helpdesk on (01) 4084020 between the hours of 9am and 7pm, Monday to Thursday and 9am to 5.30pm on Fridays.
Premiums will be paid from your bank account over 10 months. A deposit of 30% will be required to be paid upfront and the remaining premium will be paid from your bank account over 10 months. Charges are detailed on the direct debit mandate included in your renewal pack. Please call the Customer Service Helpdesk on (01) 4084020 between the hours of 9am and 7pm, Monday to Thursday and 9am to 5.30pm on Fridays.
Your annual premium can be paid in full by credit/charge/debit card. Please call the Customer Service Helpdesk on (01) 4084020 between the hours of 9am and 7pm, Monday to Thursday and 9am to 5.30pm on Fridays.
A cheque or bank draft can be made payable to ‘Cornmarket Group Financial Services Ltd.’ Please send all payments to:
Cornmarket Group Financial Services Ltd.,
Christchurch Square,
Dublin 8.
If your policy with us ends at renewal, your renewal invitation will contain proof of your No Claims Discount. If you cancel at any other point in your contract, we will forward proof of your No Claims Discount once your cancellation has been processed.
In order to suspend/cancel your policy we will need written instruction from you confirming the policy number and the suspension/cancellation date. We will also need to know the reason for suspending/cancelling the policy. We require you to return the original Certificate and Disc of Insurance. Once all required documents are received, we can suspend/cancel the policy from the date received or from a future date if specified. Any money due to be refunded will be arranged by Cornmarket Finance Department.
All required documents can be returned to:
Personal Insurance Department
Cornmarket Group Financial Services LTD.
Christchurch Square,
Dublin 8.
Zurich Insurance plc is regulated by the Central Bank of Ireland. Roadside Assistance is provided by MAPFRE ASSISTENCIA Agency Ireland. MAPFRE ASISTENCIA Compania De Seguros Y Reaseguros, S.A., trading as MAPFRE ASSISTANCE Agency Ireland, is authorised by Direccion General de Seguros y Fondos de Pensiones del Ministerio de Economia y Hacienda,Spain, and is regulated by the Central Bank of Ireland for conduct of business rules.