Zurich is a large Swiss insurance company that offers investments, insurance and pensions in the UK. It is listed on the Swiss stock exchange.
It’s history dates back to 1872, when it started out as a marine reinsurance business. It has since grown to become one of the largest companies in the world.
Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.
Critical Illness Cover
4 products reviewed
Zurich
Critical Illness Enhanced
| Feature | Value |
|---|---|
| Maximum age to cover |
74
|
| Maximum level of cover |
Sum assured
|
| Additional condition cover limit (as a % of cover) |
25%
|
| Additional condition cover limit (£) |
£25,000.00
|
| Children's critical illness cover |
Optional
|
| Level cover | Yes |
| Decreasing cover | Yes |
| Fixed increasing cover | Yes |
| Index-linked increasing cover | Yes |
Zurich
Critical Illness
| Feature | Value |
|---|---|
| Maximum age to cover |
74
|
| Maximum level of cover |
Sum assured
|
| Additional condition cover limit (as a % of cover) |
25%
|
| Additional condition cover limit (£) |
£25,000.00
|
| Children's critical illness cover |
Optional
|
| Level cover | Yes |
| Decreasing cover | Yes |
| Fixed increasing cover | Yes |
| Index-linked increasing cover | Yes |
Zurich
Critical Illness Enhanced Plus
| Feature | Value |
|---|---|
| Maximum age to cover |
74
|
| Maximum level of cover |
Sum assured
|
| Additional condition cover limit (as a % of cover) |
50%
|
| Additional condition cover limit (£) |
£50,000.00
|
| Children's critical illness cover |
Optional
|
| Level cover | Yes |
| Decreasing cover | Yes |
| Fixed increasing cover | Yes |
| Index-linked increasing cover | Yes |
Zurich
Life Protection
| Feature | Value |
|---|---|
| Maximum age to cover |
74
|
| Maximum level of cover |
£5,000,000.00
|
| Additional condition cover limit (as a % of cover) |
25%
|
| Additional condition cover limit (£) |
£25,000.00
|
| Children's critical illness cover |
Optional
|
| Level cover | Yes |
| Decreasing cover | Yes |
| Fixed increasing cover | No |
| Index-linked increasing cover | Yes |
Home insurance (building and contents)
3 products reviewed
High Net Worth Home Insurance
1 product reviewed
Zurich
Private Clients Home
| Feature | Value |
|---|---|
| Trace & Access |
Up to the buildings sum insured
|
| Contents in Outbuildings including Garages |
Up to the contents sum insured
|
| Underwriter |
Zurich Insurance Company Ltd
|
Landlord
2 products reviewed
Zurich
Residential Property Owners (Simply Business)
| Feature | Value |
|---|---|
| Buildings Maximum Sum Insured |
£600,000.00
|
| Loss of Rent Sum Insured (Buildings) |
£120,000.00
|
| Contents Maximum Sum Insured |
sum insured
|
Zurich
Property Owners
| Feature | Value |
|---|---|
| Buildings Maximum Sum Insured |
sum insured
|
| Loss of Rent Sum Insured (Buildings) |
25% of si
|
| Contents Maximum Sum Insured |
£50,000.00
|
Income protection
2 products reviewed
Zurich
Income Protection
| Feature | Value |
|---|---|
| Maximum benefit per year |
£240,000.00
|
| Maximum age for cover |
69
|
| Accident/injury cover | Yes |
| Sickness cover | Yes |
| Unemployment cover | No |
| Maximum benefit (% of gross income) - tier one |
65%
|
| Minimum benefit per month |
N/A
|
| Maximum benefit per month |
£20,000.00
|
| Minimum benefit per year |
N/A
|
Zurich
Income Protection Enhanced
| Feature | Value |
|---|---|
| Maximum benefit per year |
£240,000.00
|
| Maximum age for cover |
69
|
| Accident/injury cover | Yes |
| Sickness cover | Yes |
| Unemployment cover | No |
| Maximum benefit (% of gross income) - tier one |
65%
|
| Minimum benefit per month |
N/A
|
| Maximum benefit per month |
£20,000.00
|
| Minimum benefit per year |
N/A
|
Life insurance
4 products reviewed
Zurich
Life Protection
| Feature | Value |
|---|---|
| Maximum age at end of term |
89
|
| Highest payout limit (level cover) |
£99,999,999.00
|
Zurich
Whole of Life
| Feature | Value |
|---|---|
| Maximum age at end of term |
Whole Life
|
| Highest payout limit (level cover) |
Not mentioned
|
Zurich
Personal Protection
| Feature | Value |
|---|---|
| Maximum age at end of term |
89
|
| Highest payout limit (level cover) |
N/A
|
Zurich
Business Whole of Life
| Feature | Value |
|---|---|
| Maximum age at end of term |
Whole Life
|
| Highest payout limit (level cover) |
Not mentioned
|
Motor Fleet Insurance
2 products reviewed
Zurich
Fleet
Zurich
Small Fleet
Motor Legal Cover
1 product reviewed
Zurich
Uninsured Loss Recovery (Car Solutions)
| Feature | Value |
|---|---|
| Uninsured loss recovery Limit |
£100,000.00
|
| Personal Injury limit |
£100,000.00
|
| Motor Prosecution defence Limit |
£0.00
|
| Uninsured driver benefit | No |
| Consumer Disputes Limit |
£0.00
|
| Database Disputes Limit |
£0.00
|
| Vehicle Cloning Limit |
£0.00
|
| Uninsured driver benefit (Minimum pay out) |
£0.00
|
Real Estate
1 product reviewed
Zurich
Real Estate
| Feature | Value |
|---|---|
| Malicious Damage by Residential Tenant | No |
| Alternative Residential Accommodation |
amount in schedule
|
| POL LOI |
£5m variables available
|
Small Business Insurance
5 products reviewed
Office and Surgery Insurance
1 product reviewed
Zurich
Office and Surgery
Retail and Salons Insurance
1 product reviewed
Zurich
Shop (Simply Business)
Small Combined Insurance
1 product reviewed
Zurich
Commercial Combined
| Feature | Value |
|---|---|
| Employers' liability cover limit |
£25,000,000.00
|
| Public liability cover (maximum) |
£10,000,000.00
|
| Product liability cover (maximum) |
£10,000,000.00
|
| Data protection liability cover limit |
£1,000,000.00
|
| Health and safety legal defence costs cover limit |
£5,000,000.00
|
| Metered utilities covered |
Water, gas and electricity
|
| Seasonal Stock sum insured increase limit |
30%
|
| Computer equipment breakdown cover (one accident) |
Sum insured
|
Trades Insurance
2 products reviewed
Zurich
Tradespeople and Homeworkers
Zurich
Contractors' Combined (Simply Business)
Our unique Customer Experience Ratings help consumers find companies that offer a good service.
Life insurance
Ranked 20th of 21 providers reviewed
| Claims score | 92.00% |
|---|---|
| Complaints performance | 61.57% |
| Transparency rating | 58.51% |
|
Fairer Finance Score Reviewed Autumn 2026 |
70.69% |