FAQs

• We ask you step by step for the most important information about the event of a loss.
• Please have your policy number and all relevant documents ready.
• After the details have been registered, you will receive a summary of your notification of claim.
• If data or documents relating to the event of a loss are missing, we will contact you immediately.
• While processing the event of a loss, we will keep you informed about the status.
• We will check your insurance cover and inform you what compensation you can expect.

• Accident protocol (if available) 
• Accident report/police report (if available) 
• Damage pictures (if available)
• Calculation of the damage from the garage (if available)
• You can also submit documents later using the status link we send you.

Whether or not an event of a loss is covered depends on your individual policy and the incidence of damage. If in doubt, we advise you to contact us once too often rather than not enough, so that we can check the circumstances and support you if necessary.

• If you have received an e-mail from Zurich with an overview of your claims, you can access the status overview at any time via the link there and upload any missing information or documents at a later date.
• Alternatively, you can also contact us directly on the service number 0800 80 80 80 to make changes to your claim.

• If you have received an email from us with a link to the status overview, the easiest way to upload the documents online is to use this link.
• You can also send your claim documents by mail. Be sure to indicate the clearly legible damage number on all documents and send it to the following address: Zurich Switzerland, Scanning GIC, 8085 Zurich.

• If you have received an e-mail from us with a link to your claim report, you can easily check the status of your claim via it.
• Alternatively, contact us via our service number 0800 80 80 80 or via the contact form if you would like to know the status of your claim.

Since each claim is handled individually, we cannot accurately predict how quickly all documents will be available and a decision can be made. Please note that it may take more or less time to receive all required documents. If we are missing any documents or information from you, we will contact you.

• If you have received an e-mail from Zurich with an overview of your claims, you can find the contact details in the ""Help"" section of the claims overview, which you can access via the link in the e-mail.
• You can also reach us via the contact form or by phone on 0800 80 80 80 (from abroad: +41 44 628 98 98).

You will find the claim number on each of our letters regarding your claim. If you have received an e-mail from Zurich with your claim, please check it. The claim number is also mentioned. Otherwise, please contact us on the service number 0800 80 80 80.

Since each claim is handled individually, we cannot give an exact forecast of how long it will take to process it. As soon as the claim has been closed, you will receive a corresponding notification from us. In the meantime, please contact your direct contact person in the event of a claim or contact us on our service number 0800 80 80 80 or via the contact form.

• You bring your vehicle to our drive-in and we discuss the next steps together. If necessary, our vehicle expert will inspect the damage with you.
• We organize the repair of your vehicle at one of our partner garages and provide a lifetime warranty on the repair. 
• You remain mobile during the repair with a replacement vehicle, public transport ticket or taxi voucher.
• Discount: If you handle the repair through our Help Point, we will reduce your deductible. Exception: Customers with the product "Help Point Plus" have contractually agreed to go through a Help Point with every event of a loss. You already benefit from a discounted insurance premium. Sustainability: We plant one tree seedling in Borneo for every Help Point appointment booked online.
• Learn more about our Help Points in this video.

In the event of an emergency or breakdown, please contact us by phone on 0800 80 80 80 (from abroad: +41 44 628 98 98).

• If a third party has driven into your parked vehicle and damaged it as a result, this is parking damage.
• If you yourself have damaged your vehicle or another object (other vehicle, wall, post, etc.) while parking, it is collision damage.

Give us a call and we'll be happy to discuss the various options based on your policy

• We can tell you if your premium will increase as a result of the event of a loss. 
• You always have the option to pay for the event of a loss yourself to avoid any premium increase.

If you're having your car repaired after accidental damage, you can stay mobile: with a replacement car (if available), a taxi, or public transport.

Report the glass breakage online. You have the option of making an appointment with our repair partner DESA directly when you file a claim.

In order for us to provide you with the fastest possible support as your insurance company, we kindly ask you to report any accidents or illnesses resulting in an inability to work through your employer. If an illness is likely to last long, please let us know before the agreed waiting period expires.

Please always inform us about any changes, especially if you become partially able to work again. This enables us to provide our services quicker and to offer support where necessary.

In the event of an accident, you can send all your medical bills directly to us for review. If you have already paid them, send us a copy with your bank details for a refund. If you become ill, please send your medical bills to your health insurance provider, as Zurich only provides daily allowance benefits to employers in case of illness.

If you are considering alternative medicine therapy, we ask you to contact us in advance so that we can discuss your situation in detail.

The doctor's certificate must contain the beginning, duration and degree of incapacity for work. An exact diagnosis is covered by medical secrecy and does not have to be disclosed to the employer. You can decide for yourself how detailed you want to inform your superiors and colleagues.

After you have submitted the certificates of inability to work, your daily allowance will be paid by the end of the month after the waiting period expires.

Delays can occur if no certificates of inability to work have been submitted, if the doctor has yet to submit medical reports to us or if a required disability insurance (DI) registration has yet to be made.

If you are missing a payment, please ask your administrator.

If we need any further information, we will contact you directly. Personal exchange with you as an insured person is important to us.

We pay the daily allowance benefits out to your employer. In the event of an accident, you can give the claim number directly to the doctor treating you, so that the bills will get to us. If you still receive a bill at home, you can send it to us unpaid for review.

If you have already paid for something yourself, such as medication, simply send us the receipt together with your IBAN number.

In many cases we need medical files, for example to check our obligation to pay indemnity or before an operation. It may take some time for us to receive it from your doctor and review it. Your administrator would be pleased to assist you if you are unsure of anything.

Please always keep us up to date about any changes to your ability to work or changes to your treatment. This way, we can stay up to date on your current condition, perform our services quicker and offer support if necessary.

If you become permanently unable to work, you are entitled to benefits from IV. However, a review of disability usually takes a long time. We do not want you to run into a coverage gap or a precarious financial situation in the event of a permanent illness. We therefore recommend that you register with IV as a precaution if you are unable to work for a longer period. This can be withdrawn at any time if you feel better again.

If you are unable to work again at a later date or if medical treatment becomes necessary again, please notify us. The easiest way to report a relapse is to call our service number 0800 80 80 80 or by e-mail with the claim number or policy number to your contact person in case of accident or illness. Employers with SunetPlus can report relapses there.

• If you cancel your trip, we require a cancellation statement. 
• For data protection reasons, this can not be requested from the tour operator by Zurich.

• Immediate actions are actions that are initiated in an emergency, such as roadside assistance, locksmith, drying service.
• These are organized by Zurich. In case of emergency, please contact us by phone 0800 80 80 (From outside Switzerland: +41 44 628 98 98).

• Take a photo of the damage, if possible.
• If possible, begin with the clean-up work and move undamaged property to safety.
• Provide a list with the damaged property and any receipts.
• Please also keep track of how much work you have to do.

Since each notification of claim is processed individually, we cannot predict how quickly a decision will be available. Nevertheless, you will be contacted by us within five business days and informed of the next steps. 

We will inform you of the contact person for your event of a loss within five working days of receipt of the notification of claim. Our employees will be happy to assist you by phone and e-mail.

To ensure insurance cover is available while your claim is being investigated, premium invoices must continue to be paid. Any overpaid premiums will of course be refunded to you.