Zurich review

Zurich covers life, travel, income protection and critical illness: life, travel and income protection. It does not list home, motor, pet or gadget policies, so anyone wanting buildings or vehicle cover would need another provider. Personal protection is the whole book rather than one line of a wider group.

Claims run online, so a claim is started and progressed online rather than by post or in branch. That suits people who prefer to keep documents and updates in one place. Keep your policy details and supporting evidence ready, as the claim itself begins online.

Prices are set case by case rather than from a published table, so the only reference point is the wider market. Across insurance listings on the site, entry premiums run from €0 to €3,431.08, with €8.31 at the midpoint. Ask for a quote tailored to your own age, health and cover level.

Zurich operates in the United Kingdom as an insurer, but no regulator or licence is recorded for it here. That means the supervisory details are not stated alongside this profile, so check the provider's own paperwork for its authorisation and any protection scheme wording before you commit. Nothing about cover guarantees can be confirmed from the details available.

Monthly payment is the norm across the insurance listings here, with 89% against 11%. Zurich is written into that market pattern, so a monthly plan fits most quotes. Confirm the instalment option and any cost of it when you get a quote, as terms differ by policy.

Zurich is an insurer, meaning it underwrites the cover it sells rather than passing you to another provider. Brokers account for 35.1% of providers listed, and insurers for 43.5%, so a broker may give a wider shortlist. With Zurich you deal with the company that carries the risk.

Zurich has operated since 1872 from its base in the United Kingdom. That length of record matters for claims, since an insurer with a long settlement history is less likely to disappear mid policy term. It gives a sense of stability for cover meant to run for many years.

Support is delivered through help centre, with questions answered by help centre material rather than an adviser on call. For policies in the insurance listings, 88.4% is the most common support route, so a phone-first approach is not the norm here. Read the policy wording carefully, as that is where the detail sits.