Notification of Claim
Report your event of a loss
Choose the appropriate area
Motor vehicle
Travel
Property & Liability
Accident & health
Life
Incapacity to work or death
Disability and death
What other customers ask
How does the online notification of claims work?
- 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.
What happens at our Help Points?
- 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.
What documents do I need for an online notification of claim?
- 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.
Is my event of a loss covered by my policy?
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.
What is the difference between parking damage and collision damage?
- 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.
What should I do in the event of glass damage?
- Please report your event of a loss online or contact our repair partner DESA directly.
Will my insurance premium increase as a result of the event of a loss?
- 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.
Can I have my vehicle repaired at my brand dealership?
Give us a call and we'll be happy to discuss the various options based on your policy
When your trip does not go according to plan:
- One call is enough – we will provide you with fast, uncomplicated and comprehensive assistance.
- We organize the immediate measure needed, anytime 24h/24
- We organize your mobility or the further travel
- In case that no immediate measure is needed, the claim can be announced online
What other customers ask
What are immediate actions and who organizes them?
- 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).
How does the online notification of claims work?
- 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 registering, 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.
When do I need a cancellation statement and who organizes it?
- 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.
What documents do I need for an online notification of claim?
- We need the following documents in most cases.
- Booking confirmation
- Proof of the reason for trip interruption/cancellation
- Cancellation statement
- Account number (IBAN)
- You can also submit documents later using the status link we send you.
Is my event of a loss covered by my policy?
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.
Notes for transport claims
For transport claims, it is vital to take rapid action to assess and minimize damages as well as to secure your right of recourse.
For insured events abroad, a local claims inspector (cargo surveyor) must be called in. You can find contact details in the List of Cargo Surveyors.
For insured events abroad, a local claims inspector (cargo surveyor) must be called in. You can find contact details in the List of Cargo Surveyors.
What other customers ask
How does the online notification of claim work?
- 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 registering, 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.
- After reviewing your event of a loss, we will inform you of the coverage check and, if applicable, your compensation.
What documents do I need for an online notification of claim?
- Damage caused by tenants:
- Moving-in and moving-out report
- Final statement
- Photos
- Theft:
- List of stolen items
- Receipts for the stolen items
- Photos
- Other:
- Photos
- Invoices
- Vouchers
- Offers
Is my event of a loss covered by my policy?
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.
My basement is flooded - what should I do?
- 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.
What other customers ask
When should I report an inability to work?
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.
What happens if the ability to work changes over time?
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.
Do I send medical bills to Zurich or to the health insurance provider?
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.
Does Zurich also pay for alternative medicine therapy?
If you are considering alternative medicine therapy, we ask you to contact us in advance so that we can discuss your situation in detail.
What information will my employer receive about my illness or accident?
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.
When do I get a daily sickness allowance?
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.
Why is someone from Zurich calling me?
If we need any further information, we will contact you directly. Personal exchange with you as an insured person is important to us.
What do I do if I relapse?
If you become unable to work again at a later date or if medical treatment becomes necessary again, please notify us.
Where are the daily allowances and medical expenses paid to?
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.
Why is it taking so long to process?
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.
Why do I need to register for the state disability insurance (IV)?
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.
Incapacity to work or death
Private customers individual life
We're there for you
During this difficult time, we support you as best we can.
Disability and death
Corporate customers corporate Life (Occupational pension)
We're there for you
During this difficult time, we support you as best we can.
What other customers ask
How quickly will I receive a decision on my notification of claim?
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.
Who is my contact if I have further questions about the event of a loss?
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.
I reported an event of a loss, do I still have to pay the premium invoice?
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.