Make a car insurance claim

Please make sure everyone involved is safe before you get in touch. If anyone is injured or are you are stuck at the roadside it’s best to call us first.

0800 923 4200 - lines are open 24/7, 365 days a year.


You can make a car insurance claim online using our Chatbot, Zara, or our online portal.

Zurich Claims Chatbot

Welcome to Zara, the Zurich Claims Chatbot, which you can use for car insurance claims where you have a personal motor policy with Zurich. If you are one of our Business Customers please contact us using your usual Claims process.

To make a change simply hover over your previous response and click on the pencil icon to change your answer.

Privacy Statement

Privacy statement

  • Chatbot is provided to you, on our behalf by SPIXII, the trading name of Momentum Technologies Ltd.
  • To help manage your claim we will need to collect personal information about you including your name, address and contact details.
  • Please give a description of the incident and do not provide any sensitive information about yourself eg health details, or images of people, just a factual description of the incident.
  • Personal details you provide to us via Chatbot will not be used for any other purposes except claims management and any information held within the Chatbot will be depersonalised within 30 minutes of the claim being reported.
  • For more information about how we use personal information and your privacy rights, please read our Privacy Policy here.

Or call us to make your car insurance claim

Making a claim should be as straightforward as possible - that's why you can call our claims team 24 hours a day, 365 days a year.

When you call us, a member of our team will take all the details, let you know what will happen next and provide advice on what you can claim for.

You can also view our car insurance claims FAQs here.

Please ensure that you read below important information before proceeding with your claim.

If you would like to know how we use your information, you can read our privacy policy, and for information about how we process your data, you can read our fair processing notice.

For policy documents starting '39'

Making a claim

Making a claim under this policy could not be easier.

Reporting a claim or accident in the UK

0800 408 0991

Reporting a claim or accident in Europe

0044 800 923 4200

Replacing or repairing glass

0800 015 8050

UK Emergency Breakdown Assistance

0800 015 9978

24 hours a day, 365 days a year

For policy documents starting 'ZDM'

We've produced a claims booklet to give you all the information you need to know about making a car insurance claim. We recommend you print a copy of this document and keep it in your car. Just to be sure, you can also save the important telephone numbers to your mobile phone.

Zurich Claims Assistance

For ZDM policies post April 2014 or claim reference starting 20-50-123456
0800 923 4200

For policies starting ZDM prior to April 2014 or claim reference starting 139XXXXXXX
0800 026 1778

For policies starting KG123456 or claim reference starting CTM1234567 LTM
0800 302 9055

For policies starting QLA06U123456789 or claim reference starting 06/09/13/13245
0800 232 1913

For policies starting 7016547 or claim reference starting 2/72/6014783
0800 026 1791

Repairing or replacing glass
0800 015 8050

For calls from Europe
0044 800 026 1777

Optional Covers

If your claim relates to optional cover which you added to your policy when you purchased it, please call the relevant number below. Your statement of insurance will show if you have this optional cover.

Key care
0345 303 4017

Legal cover
0800 026 1877

Personal accident cover
0370 241 4539

Hire car
0800 026 1777

Vehicle breakdown
0800 015 9978

Motor legal helpline
0800 026 1831

Excess protect

Did you purchase or renew your policy after 1st June 2013?
Please visit ClaimEz Claims Handling. You will be asked to quote '10003' to validate your claim.

Did you purchase or renew your policy after 1st June 2014?
Please visit ClaimEz Claims Handling. You will be asked to quote '20090' to validate your claim.

Did you purchase or renew your policy after 22nd July 2015?
Please visit ClaimEz Claims Handling. You will be asked to quote '20144' to validate your claim.

For Zurich numbers starting '32' or '15'

Zurich Claims Assistance (including claims for glass repair or replacement)

UK : 0800 026 1846
Europe : 0044 800 026 1844

Vehicle breakdown

0800 328 8740

Motor legal helpline

0800 026 1831

Uninsured loss recovery and legal expenses

0800 026 1877