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A number of frequently asked questions relating to private motor insurance have been answered below, for your convenience. Click on any of the topics for more information.

If you have any further queries, please complete our online enquiry form or contact us directly on 1890 400 300.

Please refer to the policy document for full details of your policy cover, terms and conditions apply.


How can I get a car insurance quotation?

To get a car insurance quote please call us on 1890 400 300.

Do I lose my No Claims Discount after a claim?

As a valued Zurich 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 2 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 effect your no claims discount.

Is windscreen cover included and what exactly does it cover?

Windscreen cover is included automatically under Comprehensive 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.

What is a policy excess?

A policy excess is the monetary amount of a claim which is not insured. This amount will be shown on your Private Motor Schedule of Insurance and only applies to accidental damage claims unless stated otherwise.

Am I covered to drive someone else's car?

Yes, when you take out a Zurich Motor 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 private motor 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 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 & 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 as soon as possible 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 30 days 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 possible after receipt.

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.

All correspondence from third parties, their insurers or representatives should be sent to us unanswered as soon as possible after receipt. All Zurich customers can avail of our Claims Assistance Helpline 1890 208 408, where queries regarding your claim will be dealt with.

Am I entitled to a discount if I have been a named driver on someone else's policy in the past?

Yes, if you have been a named driver on a previous policy we will take this into consideration and apply a discount if you have not made a claim.

I have a query on my existing motor policy. Can I contact you through your website?

Yes, you can fill in our online enquiry form, giving us details of your query and policy. We will respond within 1 working day.

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

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

Yes. If you have a comprehensive insurance policy with Zurich, We will arrange a replacement car (up to a maximum of 1800cc) for up to 10 days while your car is being repaired.

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

Who can drive my car?

Any person who is a named driver on your policy can drive your car. Their name must be stated on the valid insurance certificate.

Can I add someone to my policy?

Yes, but conditions or limits may apply. Please contact us on 1890 400 300 to find out more.