Zurich

Underwritten by Zurich Insurance Malaysia Berhad

Zurich Z-Driver

Get comprehensive car insurance on the vehicle you are relying on. Ensure that you have safe driving pleasure both for yourself and your family. This plan will protect you, your vehicle and the drivers around you.

    • Up To 55% No-Claim Discount
    • Excess from just RM400

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How To Claim

Who do I call to make a claim or state an emergency?

Zurich Hotline
 1300888622
Roadside Assistance & Emergency Hotline
 1300886222

Features

What makes this insurance policy stand out?

Cover Type
Comprehensive

Coverage

What can I claim from this insurance policy?

 
CoveragePrivate CarsCommercial CarsMotorcycles
Bodily Injury 3rd party only
Did you cause an accident where somebody got hurt?
CoveredCoveredCovered
Loss or Damage to Your Own Vehicle 3rd party included
Claim if your car's been stolen or wrecked due to road accident or fire
CoveredCoveredCovered
Loss or Damage of Property 3rd party only
Negligent on the road? Give compensation to other pedestrians or motorists
CoveredCoveredCovered
Add-on CoveragePrivate CarsCommercial CarsMotorcycles
Windscreen 3rd party included
Windshield cracked, scratched, or simply broken? Claim without losing NCD
CoveredCoveredNot covered
Strike, Riot, and Civil Commotion 3rd party included
There's a riot going on! You're covered for damage
CoveredCoveredCovered
Legal Liability to Passengers 3rd party included
Protection against legal action brought against you by your passengers
CoveredCoveredNot covered
Accidental Death 3rd party only
Do not add to fatalities on the road. Stay focused behind the wheel
CoveredNot coveredCovered
Compassionate Flood Expenses 3rd party included
Can't drive your car away when it's stuck in a flood
CoveredCoveredCovered

Frequently Asked Questions about Zurich Z-Driver

Things you might want to know

What is the Zurich Z-Driver?

The Z-Driver is a Zurich Motor insurance protection plan that allows for the protection of your vehicle both, commercial and private. The policy provides protection against liabilities to other parties for injury, and or damage of the other’s property in an accident.

It also provides you with optional covers for perils beyond your control, should you choose to purchase them.

How much does it cover exactly?

Essentially it covers;

  • Third party bodily injuries and death
  • Third party property loss or damage and
  • Loss or damage to your own vehicle due to accidental fire, theft or accidents

However, the policy comes with an array of optional benefits that you can choose to pick up as well, namely;

  • Windscreen damage
  • Legal liability to Passengers
  • Damage arising from floods
  • Damage arising from strike riot and civil commotion
  • And finally, Accidental Death

Should you choose to pick up any of these optional benefits, you will need only pay a small fee in addition to your monthly premiums. Please also take note that these benefits can cover both yourself and the 3rd party involved.

How does the No Claim Discount work?

With this coverage plan, you will get to have NCD that will progressively increase the longer you have the policy without any claims. The first full year of being a policy holder with no claims will earn you a 25% discount.

That value will increase every year for the next five years that no claims are made. In the fifth year that you are subscribed to the policy with no claims you will receive a discount of 55%.

What are some of the key T&C’s that I need to know?

There are a few that you might want to take note of. First of all, you will need to disclose all material facts and details pertaining to your car, upon the registration for this policy. For example, previous accidents, modifications made to the car or engine and etc.

You also need to ensure that your vehicle is insured at the appropriate amount according to the market value of the car. Lastly in the case, you need to draw on insurance due to an accident. There will be an excess penalty if the vehicle was driven by a person not named, having a P” and “L License, or under the age of 21. The amount is set at RM400.


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