Zurich Insurance UK Reviews

It's taken 5 months of back and forth to apply for Personal Protection Insurance for me and my family. We disclosed our full combined medical history, but today, I heard back from Zurich and was told that the premium had rocketed up by 50%. This is apparently due to a very minor, non-life threatening (and, for the past 2 years, symptom-fee) condition that I disclosed in my initial application. I called Zurich to see if I could negotiate the price, but, according to their underwriters, it's very much a case of 'Computer says no'. If you've ever fainted, even once, and it's on your medical record, avoid seeking cover from Zurich, unless you can afford a punitive price hike.

Fast response time to call Great cover for money Very helpful

easy to apply very competitive price lots of information haven’t got agents hassling you

Following my earlier Trustpilot review I have received the following message from them via the Trustpilot site: "Thank you for reaching out and sharing your concerns with us. I’m sorry to hear about the difficulty you've experienced. To help us investigate your concerns and ensure they reach the right team, we have sent you a private message via Trustpilot requesting your policy number and preferred contact details. Regina Zurich Customer Care Team" I got this on the Trustpiolot site and I missed the two day ultimatum to reply because I've been away for the weekend. I am lucky to have gotten this much of a response given that the representative has previously stated completely without justification that, to quote from her email to me: "Good afternoon I have been passed your emails to review regarding the request for the information we hold to be removed from the database. Unfortunately, the information cannot be removed this is due to us being a financial regulated company and all information registered to us is recorded on the database to help prevent insurance fraud and to assess risk indicators within the insurance industry. When you initially called through you would have heard a pre recorded message to say all calls are recorded this doesn’t only mean the call itself is recorded but any information provided on the call is recorded also.   Elaine has done all she can in escalating the issue for you and has raised the complaint on your behalf. I would like to take this opportunity to also advise that any future email may not be replied to but will be added to your complaint. Kind Regards ******* Representative" The problem they are missing is not it being on the data base but my enquiry being misclassified as an actual claim. They will not address this issue simply stating "claims can't be removed from the database." When I'm telling them it isn't a claim I seem to be banging my head against a brick wall. In other words despite my issue not being resolved as regards to their misclassifying my enquiry as an actual claim the representative is stating that Zurich are now refusing to communicate with me. This an email I sent on the 4/9/25 has not been answered. I do assure you that all my communications have been polite and in no way would justify the absolutely atrocious behaviour on Zurich. The reason why it is very important is that I am trying to get new insurance quotes and would need disclose any claims. Zurich claims I have made a claim which I simply haven't. Now they are refusing to communicate with me based on the actions of a female whose communication and her failure to comprehend my message evident in her response to me caused me to complain. Her sister in arms the other representative who should have dealt with my grievance then decided to notify me they would ignore future communications from me. She refuses to even raise a secondary formal complaint or to give me the complaints reference number for me to go to the Financial Ombudsman with. I cannot think of anything more unintelligent than refusing to communicate without justification. NB I have just seen that they have sent an email via Trustpilot asking for my details so I've now given them and you never know.

Really informative clear information and signposting provided.

Very thorough in explaining all the financial information with clarity and conciseness. Zurich do not do gimmicky advertising on media or TV as other companies do. The old adage a good product sells itself comes to mind.

This is because there is no negative star. Sold me a critical sickness policy that in essence did not cover me in the least, it is just a premium collection exercise. Errors on their part are just errors, whilst you are exposed to the severest penalty for leaving out details well over 5 years in the past. Even though 5 years was their cutting off period. This is not about protecting sick customers it’s about “spin”.

I phoned this morning to discuss water leaking into my property. Is is very worrying & a major concern. I was delighted to speak with Karen Dunn in Property Claims. She couldn’t have been better. So warm & caring & very helpful. I do hope she will be thanked by Senior Management. I felt more relaxed knowing she was sorting things. Thanks Karen

Easy to find a competitive priced policy and to set it up quickly

Profesional, kind and really nice adwizor. Thank you

Quick to get through to someone (no holding or endless buttons to select) - spoke to Zac who was very helpful.

Once I worked through the Nat-West website I found the experience simple to understand with clear information provided.

Quick and easy payout for full protection car hire insurance. Made via Booking.com. We took out an additional ‘Fully comp’ insurance with Zurich when booking a hire care ( with Avant cars- DO NOT HIRE WITH THEM !! ) The car company was horrendous- they charged us £1200 for a tiny scratch ( less than an inch) on a plastic hub cap. We had no way of not paying this - as they charged us on our credit card which they take when booking. It’s clearly a major scam to get money back. We took photos but they wouldn’t let us leave for our flight without signing paperwork - if we wanted our money back. We did not scratch the car. I wish that Zurich ( and other insurance providers ) would contest the charges- as this company are getting away with £1000’s. Thanks to Zurich for a fuss free pay out within 24 hours - they were professional and easy to use.

My experience with the advisory boards was great and enjoyable.

Please do not use Zurich, They take your money but won't pay out when I had my flight cancelled,