One-Time Payment - Frequently Asked Questions

Q: How do I make an on-line payment using the One-Time service?

A: There are four basic steps involved in using the One-Time service to make on-line payments: Enter your payment information: You will enter your Zurich account number, five-digit zip code from your Zurich invoice, and a payment amount. Enter your contact information: You will enter your name, address, phone, and e-mail address. Enter your payment method information: You will enter your bank account information. Review and submit: You will be given an opportunity to review everything you've entered and change anything if necessary. Then you will submit the payment and receive your confirmation reference ID. You will need to enter this information each time you make a payment using the One-Time service. We recommend that you register for Zurich's eZpay service to avoid having to re-key this information each time you make a payment.

Q: What is an appropriate browser?

A: We use 128-bit encryption to make your information unreadable as it passes over the Internet. Therefore, we strongly recommend that you use the latest version of Microsoft Internet Explorer or Netscape Navigator.

Q: How secure is my sensitive banking information and personal information? How can I know that this information will not be intercepted?

A: The One-Time service uses the following security features: SSL: We use SSL (Secure Sockets Layer) that ensures your connection and information is secure. Encryption: We strictly enforce 128-bit encryption security levels for users accessing this service. All users accessing this service must ensure that their Web browsers are set to enable 128-bit encryption. Automatic Sign Out: We automatically sign you out after 20 minutes of inactivity.

Q: How do I know when a secure session has been created?

A: Most of the supported browsers will give you a message box stating when you are going into a secure session. Internet Explorer uses a small padlock icon on the bottom right side of the browser window. When there is a secure session in place, the padlock will appear locked. Netscape Navigator uses a key icon in the lower left corner of the screen to show security status. When the key is solid (i.e., unbroken), the session is secure. Another indication that your browser is operating in secure mode can be found in the web site address. The address will begin with (http:) in standard, non-secure mode and with (https:) in secure mode. The 's' in 'https' stands for secure.

Q: Why are only some versions of browsers supported?

A: To help ensure that your confidential financial information is protected in transit, we encrypt all messages between your browser and the One-Time service. Some browser versions do not support the needed levels of encryption.

Q: What are my obligations to help secure my transactions with Zurich American Insurance on the One-Time service?

A: As more completely spelled out in the Terms and Conditions, you are responsible for not giving out your banking account information or bank routing information, or your Zurich account information. Furthermore, you need to make sure that you are using an appropriate browser. Also, you should close your browser immediately after you are finished transacting your payment(s).

Q: When setting up my payment method, where can I find my bank’s routing transit number and checking account number?

A: The nine-digit routing transit number can be found on the lower left hand side of your check. The checking account number is to the right of the routing number. An illustration is provided when adding or modifying a bank account in Payment Methods.

Q: Do you accept credit card or debit card payments?

A: We do accept Mastercard and Discover payments depending on your State. We do not currently accept credit card payments if your address is in the following States: Alaska, Connecticut, Florida, Kansas, Maryland, New York, North Carolina, Texas, Virginia, and Washington. There is a 3% convenience fee charged by Metavante to complete a credit card payment. The service will provide you with the exact amount of the fee prior to confirming the payment. The convenience fee and the premium payment will appear on your credit card statement as separate transactions. Payments made with a valid US Bank checking or savings account are available through the service with no convenience fee.

Q: When will the payment be applied to your Zurich Account?

A: Payments made Monday through Thursday prior to 3:00 PM EST will be credited to your Zurich account on the same business day that the payment is made. Payments made after 3:00 PM EST will be credited on the next business day. Payments made on Friday prior to 3:00 PM will be processed using the subsequent Sunday's date.

Q: If the payment is past due, will my insurance coverage automatically be re-instated?

A: Payment of a past due premium does not automatically re-instate policy coverage. If you have a question about your past due premium, please call Zurich at 1-800-332-6641.