Zenith Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

This is the ultimate review to guide you through Zenith car insurance.

You might already know that Zenith offers several car insurance policy options.
Some are great, others not so much.

So if you want to get:

  • Better value for money for your car insurance
  • Indicative quotes
  • Tips to lower your insurance premium, then you might love the following article.

Let’s dive right in.

Is Zenith the best car insurance provider?

Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.

We’ve studied in detail Zenith car policy terms and conditions and given our own ratings based on different criteria.

4 Safe overall rating for Zenith

Our ratingOur opinion
Customer service & satisfaction

Active customer care support on Twitter
3.7/5 based on 896 opinions
Very detailed and accessible FAQs

Cover provided

courtesy car provided as standard with the comprehensive policy
Keycare cover of up to £500 provided with the comprehensive policy
Unlimited cover for factory-fitted equipment for all insurance covers
Wide range of excess options to pick from

Value for money

A 3 year guarantee is given on repair work when an approved repairer is used
Named drivers can earn their own no claims discount
Admin fee of £25 is charged

Financial strength for pay out

Strong financial capability


Most of the needed information can be found on the landing page of the website
The self service option is available
No live bot to answer questions
No technological advancements like Black box and app

Safe rating for Zenith

Expert and customer reviews on Zenith

We compiled expert and customer reviews from independent institutions, to give you an overall idea of Zenith's reputation.

Review organisationConsumer satisfaction rates for Zenith
Defaqto expert rating for Zenith defaqto 3 stars 1
TrustPilot3,7/5 based on 896 opinions
Consumer satisfaction rates on reviews for Zenith

To check if Zenith is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.

Finally, compare best car insurance in less than 20 secs without giving your email.
No spamming, promise.


Our review on Zenith car insurance policy

Zenith Car Insurance was founded back in 1937 and is based in Gibraltar and it is a part of a group which provides a range of car insurance policies and other complementary products in the UK. It offers two policies; the comprehensive car cover and the third party, theft and fire cover. Zenith has a 3-star Defaqto rating and an average rating of 3.7/5 on Trustpilot.
Its comprehensive car policy covers a fair amount of bases, offering windscreen cover, a courtesy car and protection for your in-car entertainment. There are other better car insurance options to pick from.

What does Zenith car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Zenith?

Car insurance policyAvailable at ZenithCoverage in a nutshell
Third-Party Only
  • Passengers and third party covered
  • Policyholder is not covered for any injuries or damages
Third-Party Fire and Theft
  • Replacement of your car if stolen
  • Damages caused due to theft or fire
  • Cover third-party fire and theft
  • Covers injuries to you and damages to your car
Car insurance level of cover available at Zenith

Keep in mind that you can always add optional extras to your policy.

Main guarantees at Zenith explained in details

Let's find out what does Zenith covers in its car insurance policy.

Breakdown cover at Zenith

Zenith provides five different covers which are:

  • roadside only: roadside repair
  • roadside and recovery: roadside repair and national vehicle recovery is provided
  • roadside, recovery and at home assistance: roadside repair is provided in the case, cover is provided in the case that your car breaks down at home or close to your home
  • roadside, recovery, at home assistance and onward travel: alternative travel options and overnight accommodation are provided
  • roadside, recovery, at home assistance, onward travel and european breakdown: breakdown is provided in the case that it happens outside the UK, personal call out option is provided.

The following services are offered with all five covers:

  • nationwide roadside assistance
  • local vehicle recovery
  • no callout charge.

Keycare cover at Zenith

Zenith offers £500 as the keycare cover and this covers:

  • the cost of replacing the door locks
  • the cost of replacing the ignition or steering lock
  • the cost of replacing the lock transmitter.

Windscreen cover at Zenith

If an approved repairer is used, the full cost of repair would be paid by Zenith. If not, the replacement service cover is limited to an amount of £75 per year.

Motor legal protection at Zenith

In the event of an accident, Zenith provides a lawyer who would take up your case and defend you. The following are included as a part of the motor legal protection cover offered:

  • a cover of £100,000 would be provided to cover legal fees
  • compensation for personal injury sustained by the driver or passengers
  • excess recovery
  • medical expenses cover
  • recovery for repairs.

Personal policy injury available at Zenith

In the case of an accident, and also in the event that within 3 months, the injuries sustained from this accident leads to:

  • death
  • permanent loss of sight
  • permanent loss of limbs.

Zenith offers the following amounts:

  • Death: £5,000
  • Complete and permanent loss of sight of one or both eyes: £2,000
  • Complete and permanent loss of one or more limbs: £2,000.

Coverage abroad at Zenith

Abroad coverage is available under the comprehensive insurance policy and this coverage allows the holders to travel through Europe for 30 days, however, it can be extended to 90 days. The list of countries allowed includes:

Andorra, Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Republic of Cyprus, Republic of Ireland, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland.

Courtesy car at Zenith

Zenith provides a replacement car for wither 14 or 28 days (depending on your preference) in the case that your car has been stolen or needs repairs).

No-Claim Bonus (NCB) at Zenith

If you have a minimum of 4 years no claim discount, then you will be eligible to purchase the No Claim Discount Protection.

If more than three claims are made in three years, the discount would be reduced to zero

At Zenith, you can apply for the NCB protection. The NCB protection allows you to make a certain number of claims within a period without losing your No-Claim bonus.

NCB protection claims (number per year): 2 claim in 5 years.

A No-Claim bonus is a reward that you get from driving during a long time (at least one year) without making any claim. The more years you drive without claims, the higher your NCB rate gets hence the higher the discount on your insurance premium. 

Zenith car insurance terms and conditions

How much does Zenith car insurance cost?

You'll find below indicative car insurance quotes at Zenith:

Drivers'ageMonthly premium
18 years old£104,11
40 years old £42,93
60 years old£31,66
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Zenith insurance car policies vary widely based on different factors such as:

  • The driver’s age 
  • The date on which they received their driving licence
  • The type of car 
  • Expected repair costs if the car is damaged
  • The performance, safety and security of the car 
  • The driver’s address and how busy the streets in the neighbourhood are
  • Who drives the car (any additional driver on the policy) 
  • The driver's record of accidents and claims (number of injuries, No Claim Bonus etc.) 
  • Insurance taxes.

The higher risk you represent, the more expensive your policy will be.

Is there any promo codes or discounts available at Zenith?

Cashback vouchers are available for new customers.

If you want to get a cheaper car insurance policy, another good way to do so is to never auto renew and always compare car insurance quotes.

Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!

Zenith car insurance policy summarized


At Zenith
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keys£300
Personal belongings£100
Audio equipment


Medical expenses


Liability limit for property damage£20 000 000
Legal expense£100,000
Courtesy car benefit

As standard

Courtesy car cover

Duration of repair

Coverage abroad

60 days

Guarantees at Zenith


At Zenith
Fire excess£300
Theft excess£300
Accidental damage excess£300
Windscreen replacement excess£75
Young driver excess


Excess at Zenith

Admin fees

At Zenith
Interest charged by payment installments


Renewal fees


Cancellation fees

Cancellation fees during cooling off period: not stated
Cancellation fees outside cooling off period: not stated

Modification fees

Adjustment fee: not stated

Admin fees at Zenith

Other car insurance policies available at Zenith

Zenith learner driver car insurance

Zenith partnered with Marmalade to provide insurance for learning drivers. It is affordable as it costs £1.87 per day and can last for a duration of 30, 60 or 90 days
The following are attached to this cover:

flexible cover
the owner’s No Claims Discount is protected
comprehensive cover

Zenith van insurance

The van insurance policy offered by Zenith comes with many benefits, some of which include:

  • provision of courtesy vehicle
  • guarantee when an approved repairer is used
  • unlimited cover for car stereos
  • 24/7 emergency helplines
  • windscreen cover
  • replacement locks.

How to contact Zenith auto insurance?

Zenith phone numbers 

You will find all important phone numbers to contact Zenith car insurance:

Contact numberOpening hours

Customer Service

0344 326 7573

Mon-Fri: 8am – 9pm
Sat: 9am – 5pm
Sun: 10am – 4pm


0808 1787 959

Mon-Fri: 8am – 9pm
Sat: 9am – 5pm
Sun: 10am – 4pm


0344 326 7569

Mon-Fri: 8am – 9pm
Sat: 9am – 5pm
Sun: 10am – 4pm

Windscreen claim

0808 178 8126

24 hours a day

Existing Claims

03330 436 516

Monday – Friday 9am – 5pm

Breakdown cover

0808 178 8125

24 hours a day

Contact numbers at Zenith

Zenith other contact details

You'll find below Zenith main contact details:

Contact details of Zenith
Email address

[email protected]

Customer account with Zenith login


Social mediaFacebook, Twitter
Contact details at Zenith

You can also contact them by mail by writing to Zenith car insurance:

Zenith Car Insurance
Pegasus House,
Bakewell Road, Orton,

How to cancel your car insurance at Zenith?

You can always cancel your car insurance policy at any time. However, some fees may apply especially if you cancel it after the 14 cooling-off period after your contract's anniversary date.

Since car insurance is a legal requirement, Zenith as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Zenith has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days - the cooling off period - to cancel your policy at reduced cancellation fees.

For the same reason, if you cancel your car insurance policy, you must sign up to a new one immediately. Find out more on car insurance legal requirement.

You would need to have various documents ready such as:

  • your policy number (right hand corner of your documents);
  • your bank details; and
  • your payment method in case there are cancellation fees.

Zenith could also refuse to cover your car any longer if you don't pay for your premiums within the time allocated, or if they find out that you omitted important information that was required by the company such as your driving experience or you if have committed a fraud of any kind. This act is known as ‘fronting’.