Replacing an existing policy

To help make this as smooth as possible for you and your clients, take a look at our top tips below.

Indicating a replacement in the “Other cover” section

To replace a current policy with a new one, you’ll need to go through the application journey just as you would when applying for a new policy.

When you get to the “Other cover” section of the Underwriting questions we’ll ask you about any previous applications to Zurich within the last 2 years and whether the new application is intended to replace any existing cover you have with Zurich.

If this is the case, you should answer ‘yes’ to both questions.

This will help us find the existing policy and transfer over any information we already have about your client, saving you time and effort.

Indicating a replacement in the “Start date” section

To qualify as a replacement, cover from the old policy to the new one must be continuous. This ensures your client remains protected throughout with no break in cover. It also means there is no overlap in cover and your client doesn’t pay for more cover than they need.

Here’s how:

• Check the start date of the existing policy which is being replaced.
• Use the same date of the month as the start date for the new policy.

For example, if the old policy started on 16 June 2021 and is paid monthly, this means the cover runs from the 16th of the month to the 15th of the following month. So, if this policy is being replaced, the new policy needs to start on the 16th of the month in which you wish the new policy to begin.

Is this a replacement for another Zurich plan?

If you are replacing an old policy, then you must choose “Yes” here. This tells us that an existing policy needs to be cancelled. Without this information, the old policy will continue, and premiums will continue to be collected.

Existing Zurich policy number

In this section you must add the existing policy number. It will begin with either PR (if it began from July 2018 onwards) or be a series of 6-7 numbers followed by 2-5 letters (if it began before July 2018). The policy number will never begin with PAP, this is the prefix for application references.

Support for you

We’re committed to making it easy for you to do business with us, so if there’s any support you need to help make the most of our proposition, don’t forget to reach out to your Protection Consultant.

Email us at contactus@uk.zurich.com