As soon as you're aware of a claim, please follow the steps below:
1. Gather relevant information to establish the type of claim.
Is there damage to a property, vehicle or another loss?
2. Establish the claim's importance
If there’s damage to your own Property and the claim is likely to be over £5,000, you can let us know by phone:
Property Claims Department 0800 028 0336
Take action to prevent further loss or damage - For example, if you have a water leak, fix the problem straightaway to prevent further damage. Remember though, your policy may not cover the cost of this emergency repair.
If you require an urgent inspection of your vehicle following a Motor incident, you can let us know by phone:
Motor Claims Department 01489 882110
For urgent advice on a
Liability Claim, please call
0800 335500
3. Gathering additional information
Complete the appropriate form or contact the claims department. You will need to provide different information depending on the type of claim but the following information is generally required on all claims:
- Policy number
- Date of loss
- Your name and contact details
- Address where the loss occurred
- Cause and circumstances of the incident
- Details of the type of loss
- Injury or damage
- Any third party details where applicable
Submit your claim
Submit your claim as soon as possible by email, fax or post.
What happens next?
Once you've told us about your claim, we may need to clarify details and will therefore contact you for information.
Depending on the information you supply, we may ask you for more information or investigate further.
- If the claim is covered, we'll confirm how much of your claim we'll cover
- If we reject your claim, we’ll explain why
- Payment - we'll pay you the agreed amount
Guide to your claims departments
The Zurich Municipal claims department is divided into three areas:
- Property Claims
- Motor Claims
- Liability Claims
When should I contact your claims department?
You should contact the department in the event of a loss or potential claim if you need advice or assistance about any claims. Our lines are open from 9am to 5pm, Monday to Friday.
For details of your relevant claims office please see our
Office Directory »
What type of claims does the Property Claims Unit handle?
The Property Claims Unit deals with damage to your property as a result of a fortuitous incident/event, subject to conditions and exclusions. Depending on your policy, this will range from buildings, contents, money and potential consequential losses as a result of the initial incident/event, i.e. business interruption, works in progress etc.
These events are listed in your policy cover and may include, Fire, Lightning, Explosion, Aircraft, Riot and Malicious Persons, Earthquake, Subterranean Fire, Storm or Flood, Escape of Water, Impact, Audio or Visual Communication, Falling Trees or Branches, Leakage of Oil, Theft.
If you are handling your property claims below your excess, these need to be recorded on the following form, to ensure they all count towards your annual aggregate stop.
Property Stop Loss Monitoring Form »
What type of claims does the Motor Claims Unit handle?
The Motor Claims Unit deals with damage caused to your insured vehicles and liability arising from a motor accident involving your insured vehicles. For example, call the Motor Claims Unit if you’re involved in a road traffic accident, someone has alleged that one of your vehicles caused damage to a third party, your insured vehicle suffers damage or is stolen, or you simply require assistance.
What type of claims does the Liability Claims Unit handle?
The Liability Claims Unit handle claims made against you for loss or damage to property or for personal injuries. If you receive a claim from an employee, this will be dealt with under the employers’ liability section of your policy. For example, an employee injures his back while lifting and alleges you’re at fault because you didn’t offer manual handling training. You may also receive claims from another person or organisation, such as a tenant, a contractor, visitor or members of the public and we will handle these under the public liability section of your policy. The Liability Claims Unit also handles claims in the following parts of your policy:
• Libel and slander claims, such as, a director making an alleged slanderous remark and the injured party sues for damages.
• Professional negligence claims, for example another organisation bringing a claim against you in relation to fee-paying professional services that you have provided for them.
• Engineering insurance claims, such as electrical or mechanical breakdown of a lift, or a cracked boiler.
• Deterioration of stock claims, including loss of food following a freezer break down.
• Fidelity guarantee claims, where an employee steals cash from your safe.
• Personal accident claims, for example, a member of your staff is physically assaulted while on duty and sustains a fractured kneecap.
• Legal expenses claims, such as an employee alleging unfair dismissal; you have a good (better than 50%) chance of success at tribunal, but you need to claim for the cost of defence in the form of legal expenses. For full details of your policy, please refer to your summary of cover, Policy Schedules and the SELECT policy wording.
Should you wish to discuss any claims, please contact the relevant claims department or your Claims Service Manager.
If you have a query regarding your policy cover, please contact your Underwriter or Risk & Insurance Consultant.
You can view the relevant contact details for all of our claims offices by clicking here »
You can download your relevant claims form by clicking on your segment below.
Local Authority » (including all levels of local government as well as authorities relating to transport, waste, pensions and joint services)
Parish or town council »
School » (including if you are an Independent School or Academy)
College »
University »
Housing »
Charity or social organisation »
Once you have completed your form please return it to the relevant claims office. You can view the relevant contact details for all of our claims offices by
clicking here.
If you are unsure please contact to your Claims Service Manager or email your enquiry to
zm_enquiries@uk.zurich.com.
