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Car Insurance

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Our Solutions Policy includes:

  • No loss of NCD if you are hit by an uninsured driver      
  • Greenflag UK Roadside Assistance and Recovery ­
  • European cover - 60 days per trip
  • Windscreen cover with low excess of £60 *
  • Uninsured loss recovery and legal expenses cover - £100,000       
  • UK based team to deal promptly with your claim

Plus

  • Interest free monthly direct debit scheme (0% apr)
  • No administration charges
*when using authorised repairers.
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Motor Insurance is underwritten, and finance provided, by Zurich Insurance plc. Please note that all quotations are subject to Terms and Conditions. Please see below for full policy wording.

At CSIS we always strive to give you the best deal. We have found that, by talking to you rather than asking a standard set of questions, we may be able to offer additional discounts. We have therefore decided not to offer online quotations, but to offer a personal service.

If your policy is due for renewal within the next 30 days please call our friendly sales team on:

01622 766960

Mon to Fri, 8:30am - 6:00pm
Sat, 9:00am - 1:00pm

Alternatively, if your policy isn't currently due for renewal CLICK HERE and we'll contact you at the right time to see if we can save you money.

More about your cover

CSIS Motor Demands and Needs
PDF (93 kb)
28-02-2017
CSIS Motor Solutions Policy Wording
PDF (715 kb)
24-05-2017

Features and Benefits:

Key Features and Benefits of the Zurich Solutions and Solutions Plus Policy

  • No Admin Fees
  • No extra cost for paying by Direct Debit (0% apr)
  • Protected NCD if you are hit by an uninsured driver
  • 24 hour UK Roadside Assistance and Recovery
  • Free foreign use cover up to 60 days abroad per trip to Europe
  • Guaranteed courtesy car if using approved repairers (see below for full details)
  • 7 day courtesy car if your car is stolen (see below for full details)
  • Legal expenses - recovery of out of pocket expenses and drivers legal protection up to £100,000
  • Personal Accident cover up to £10,000
  • Free motor legal advice via a 24 hour hotline with Comprehensive policies
  • Claims helpline 24 hours a day - 365 days a year

Telephone numbers for Helplines are detailed in your policy booklet.

A recommended repairer is available with immediate repair authority from the insurer's network of garages across the country (subject to workloads and replacement parts).

There is also a prompt windscreen/glass replacement service.

 

Guaranteed Courtesy Car

Zurich will provide Policy cover in the United Kingdom for:

  • a car we give you temporarily after an accident; or
  • a car your motor trader gives you, up to 1300cc, while your car is in a garage for service or repair.

A courtesy car will be provided to you while damage to your own vehicle is being repaired by one of our approved repairers following an accident or theft.

Courtesy cars are Group A vehicles (e.g. small hatchback) generally with a manual gearbox and are available only in the UK.

If your car is subsequently deemed to be a total loss by a Zurich motor engineer, you may retain the courtesy car for 4 days. Hire beyond this period is available at a preferential daily rate.

If you have comprehensive or third party, fire and theft cover and your car is stolen and not recovered, we will
arrange for you to have a courtesy car for a total of 7 days after the incident.

Automatic motor insurance renewal

Many customers find automatic renewal is the easiest way to renew their car insurance.
If you pay for your insurance by direct debit, approximately 21 days before your motor insurance renewal date we’ll write to you with your motor insurance certificate and renewal schedule confirming the premium for the next 12 months. If you are happy, and none of your details have changed, you don’t need to do anything and your policy will automatically renew meaning you never run the risk of being uninsured.

Manual motor insurance renewal

If you don’t pay by direct debit we will write to you approximately 21 days before your motor insurance renewal date with details of your motor insurance certificate and renewal schedule confirming the premium for the next 12 months. This is your renewal invitation. Unlike automatic renewal, you must contact us and pay your premium, otherwise your cover will end on the renewal date, and you will not be insured. If you want to make the process easier, and make sure you remain covered you can call us at any time to be updated onto monthly payments and automatic renewal.

Your Excesses Explained

Accidental damage excesses

    • All claims £100*
    • An additional deduction will apply as below when the car is being driven by a driver who is:
      • Aged 16 to 20 £350
      • Aged 21 to 24 £250
      • Aged 25 or over and either holds a provisional licence or has held a full licence for less than one year £150

* This amount may vary:

      • due to specific deductions for type of car
      • where a higher voluntary deduction has been selected

Fire, theft and attempted theft excesses

      No deduction applies if loss or damage occurs in your garage, for all other claims £100

Windscreen/Windows/Sunroof excesses

    • Replaced (using approved repairer or where approved repairer is unavailable) £60
    • Replaced (not using approved repairer when this is available) £100
      The maximum we will pay for any one claim after the £100 deduction is £150.
    • Repaired (any repairer) Nil

Make a Claim

To report a claim or accident under your Zurich Solutions or Solutions Plus policy:

Please call: 0800 026 1779.

Our claims service includes:

  • A courtesy car to keep you on the road whilst damage to own vehicle is being repaired by one of our approved repairers
  • 4 day courtesy car in the event of a total loss claim
  • 7 day courtesy car if the vehicle is stolen and not recovered

To make a claim for glass:  

 Please call: 0800 068 5710 (National Windscreens).

To report a claim or accident in Europe:

Reporting a claim or accident or Emergency Breakdown Assistance (Comprehensive policies only if you have bought this optional cover) 00 44 800 026 1830 or 00 (country code) then 1274 658073, 24 hours a day, 365 days a year.

When you contact us

 You will need to tell us :

  • Your name, address and telephone number
  • The place where the loss or damage occurred
  • What caused the loss or damage

Insurance Fraud

Insurers know from experience there are some people who purchase insurance to deliberately try to defraud Insurance Companies.

The customer may do this in several ways :-  by making false claims, not telling the truth about their claims history, or the value of their home and their possessions, or withholding important information, or making false statements.

Unfortunately the fraudulent actions of a minority means insurance becomes more expensive for everyone.

However we wish to reassure you that our insurers check all new insurance claims for fraud against the Claims and Underwriting Exchange (CUE) which has the details of most of the historical home and car insurance claims paid in the UK and is operated by Insurance Database Services Ltd.

If they suspect that someone has deliberately given false information or they find any material fact has been withheld they will investigate and take appropriate action.  In many cases the policy will be voided and no cover provided in the event of a loss.