WHAT IS CAR LEASING & PCP INSURANCE?
A total motor insurance solution developed by the UK's leading insurers that answers all the requirements of the employer/employee.
WHY DO WE NEED A SPECIAL INSURANCE POLICY?
There are possible health and safety issues for the employer when the employee is sourcing their own insurance. There may also be a legal responsibility or contractual agreement between the employer/employee to source an Insurance product that adheres to the required standards most policies fail to meet.
WHY WOULD I WANT TO FIX MY INSURANCE PREMIUM FOR 3 YEARS?
The general Car Insurance market over the last 3 years has seen most Insurance premiums Increase by almost 20% a year. It is believed that due to tough market conditions and with most Insurance companies still reporting an underwriting loss this trend will continue until the foreseeable future. With our buying power we have negotiated an extremely competitive 3 year fixed rate deal*. This allows you to budget easier for your car and could avoid a large increase in your insurance premiums each year! It will also mean that you won’t have to make time consuming phone calls at renewal to try and negotiate a better rate, giving you more hassle free motoring! * Subject to no more than 1 FAULT claim during the first 24 months of the contract.
WHY DO I NEED A GUARANTEED COURTESY CAR?
All courtesy cars are supplied by the garage repairing your car. They only have a minimum of courtesy cars because of the costs involved. Therefore, the majority of the time a car will not be available immediately and you could wait over a week for a courtesy car. With no car you will probably be unable to do your job and this may break a contractual agreement between you and your employee. You may even be forced to take the time off as holiday or hire a vehicle at your own expense! Zurich PCP Insurance is one of the only products that will GUARANTEE a FREE courtesy car within 24 working hours after you have reported the claim and for the duration of the repairs. Allowing you to carry on with your appointments, hassle and cost free!
WHY DO I NEED A 3 YEAR GUARANTEE ON ALL ACCIDENT REPAIR WORK?
When the car is returned to your PCP Provider, after the specified contract period, the vehicle will be inspected by their team. If there has been any accident repair work that has not been repaired properly or has deteriorated over time you may be responsible for the cost of putting it right. Almost all insurers only give a 1 year guarantee on repair work, with most contracts the guarantee would have expired before the end of the term. With our Approved Repairers 3 Year Guarantee not only do you get the assurance of a quality repair but in the unlikelihood of the repair not being satisfactory the car can be returned and put right without any expense to yourself?
WHY DO I NEED LEGAL COVER?
Legal cover has been available for some time but has become more apparent in recent years. If you are unfortunate enough to have an accident then Legal Cover will assist you to recover all or any of your uninsured losses which may include compensation for injury, loss of earnings, medical fees, policy excess and damage to personal effects. If the accident is not your fault then they may be able to upgrade your courtesy car to one that is of the same or similar standard to your own car. Most insurers charge for legal cover and may not sell it as part of their package. Under your PCP Insurance policy you will have the peace of mind in knowing that you will have legal cover throughout the term of your policy. Creating more hassle free motoring!
WHAT IS THE BENEFIT OF UNLIMITED BUSINESS AND PRIVATE MILEAGE COVER?
Almost all people who take a PCP contract will require business use cover for their car at some time. Almost all will also cover well over the average mileage a year (currently 12,000 Miles) in their car. Many Insurance products will ask you to state the mileage you do a year and apply a premium loading or increased excess on the policy according to that mileage. If you exceed your stated amount the insurer could ask you to pay an increased premium. If you had a claim on the policy they may require an increased excess and/or premium. Under extreme circumstances they could even refuse to deal with your claim!! Under your PCP Insurance product you will enjoy UNLIMITED business and private mileage for both yourself and your spouse/partner. This gives you peace of mind, knowing that if your circumstances change in your job the policy will continue to cover you at all times!
WHAT IS THE BENEFIT OF HAVING FREE EUROPEAN TRAVEL COVER?
If you wish to take your car to Europe on holiday or business many Insurers require you to inform them of the dates you are travelling and the countries you will visit. You may also have to pay to extend your Insurance cover and wait for documents to take with you from the Insurer. Under your PCP Insurance product you will receive a European Statement covering any visits to Western Europe for up to 60 days per trip at no extra cost and without any need to contact us!
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