ZC Specialty Auto Insurance Review (2020)

ZC Specialty, a part of Zurich, is no longer in business. Instead, you can compare auto insurance companies online and save up to $859.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 22, 2021

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Company Details
Address: Austrasse 46 8045 Zurich
City: Zurich
State: Switzerland
Phone Number: +41 (0)44-625-25-25
Year Founded: 1954
AM Best Rating: A+
Company Rating 0 (0 reviews)

Things to Remember...

  • ZC Specialty Insurance was part of Zurich; however, ZC is no longer in business
  • Zurich provides a variety of automobile insurance options
  • Zurich processes its insurance claims through its subsidiaries

ZC Specialty Insurance Company began in 1954, doing business under its parent company, Zurich which was established in 1869. ZC Specialty no longer exists.

However, Zurich still issues automobile insurance policies all over the world and is an established presence in the insurance business.

Zurich offers online quotes through its subsidiaries’ websites. Once you receive a quote, information on how to contact an agent close to you will also appear.

Compare auto insurance quotes online by entering your zip code now!

Zurich Contact Information

Zurich’s headquarters are located in Zurich, Switzerland. However, the company has locations all over the world.

You can view all of its locations on its website, but the United States offices are located in New York, Illinois, Washington, Kansas, and California.

Farmer’s, the subsidiary of Zurich that underwrites the personal automobile insurance in the United States, is headquartered in California.

Zurich and its subsidiaries remain stable and are rated “A+” by A.M. Best.

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Zurich Insurance Policies

Zurich’s products and services vary depending on the country in which you reside.

State insurance agencies require you carry liability insurance. However, in the case of an accident, you usually need more than the minimum required by the state.

An agent can help you determine the amount of coverage for your needs.

The types of coverage available for automobile insurance are:

  • Liability
  • Property damage
  • Bodily injury
  • Collision
  • Comprehensive
  • Medical payments
  • Personal injury protection
  • Uninsured/underinsured motorist coverage

Under Zurich’s subsidiary, Farmers, there is an option to add accident forgiveness to your policy for an extra three years.

There is also a new car replacement policy that can be added as a rider to your policy. Zurich also offers coverage for collectible or specialty vehicles.

In addition to standard coverage, a spare parts stipend is included. You and your agent can establish an agreed-upon value for your specialty vehicle to cover you in the case of replacement.


Zurich Insurance Discounts

Zurich offers insurance discounts that include those for safety equipment on the vehicle, remaining citation- and accident-free, and insuring additional cars or your home.

Retirees, good students, new parents, and professional groups are also eligible for discounts. Discounts vary depending on the state or country in which you reside.

Zurich’s subsidiary, Farmers also issues annual policies so the rate remains constant for a year regardless of what happens to the vehicle.

Zurich Claims

Zurich claims are processed through its subsidiaries. For instance, if you are insured through Farmers, you can call to report your claim.

The claims representative will help you with any immediate needs including making arrangements for a rental car, towing, or booking a hotel.

Once a claim has been reported, the claims representative will provide referrals for automobile repairs or you may choose your own repair facility.

The representative can also provide referrals for other needs such as glass repair, lodging, and car rental.

If you would like to locate one of these businesses on your own, the company’s website provides the ability to locate these vendors by inputting your address to find one closest to your location.

Zurich gives its policyholders the option of filing claims online, viewing a claim that is being processed, and watching a video on the entire claims process from start to finish.

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Zurich Insurance Agents

Zurich Insurance Agents can be found by first going to its subsidiaries’ websites then inputting your zip code for the agents’ locations to appear.

You also have the ability to pull up local agents if you know their name.

A requirement of Zurich is that its agents are required to review its customer’s policies with them yearly to make sure that the policyholder’s needs are being met.

You can get online auto insurance quotes from active providers by typing your zip code into the free rates tool now!


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