Zenith Car Insurance Review
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Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.
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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 rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction |
Active customer care support on Twitter | |
| Cover provided |
courtesy car provided as standard with the comprehensive policy | |
| Value for money |
A 3 year guarantee is given on repair work when an approved repairer is used | |
| Financial strength for pay out | Strong financial capability | |
| Technology |
Most of the needed information can be found on the landing page of the website |
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 organisation | Consumer satisfaction rates for Zenith |
|---|---|
| Defaqto expert rating for Zenith |  |
| TrustPilot | 3,7/5 based on 896 opinions |
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.
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 policy | Available at Zenith | Coverage in a nutshell |
|---|---|---|
| Third-Party Only |
| |
| Third-Party Fire and Theft |
| |
| Comprehensive |
|
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.
Good to know
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'age | Monthly premium |
|---|---|
| 18 years old | £104,11 |
| 40 years old | £42,93 |
| 60 years old | £31,66 |
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.
Good to know
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
Guarantees
| At Zenith | |
|---|---|
| NCB benefit | Yes |
| Uninsured driver NCB benefit | Yes |
| Loss or theft of keys | £300 |
| Personal belongings | £100 |
| Audio equipment | No |
| Medical expenses | £250 |
| 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 |
Excess
| At Zenith | |
|---|---|
| Fire excess | £300 |
| Theft excess | £300 |
| Accidental damage excess | £300 |
| Windscreen replacement excess | £75 |
| Young driver excess | £300 |
Admin fees
| At Zenith | |
|---|---|
| Interest charged by payment installments | Variable |
| Renewal fees | £0 |
| Cancellation fees | Cancellation fees during cooling off period: not stated |
| Modification fees | Adjustment fee: not stated |
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 number | Opening hours | |
|---|---|---|
Customer Service | 0344 326 7573 | Mon-Fri: 8am – 9pm |
Quotes | 0808 1787 959 | Mon-Fri: 8am – 9pm |
Renewal | 0344 326 7569 | Mon-Fri: 8am – 9pm |
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 |
Zenith other contact details
You'll find below Zenith main contact details:
| Contact details of Zenith | |
|---|---|
| Email address | |
| Customer account with Zenith login | No |
| Social media | Facebook, Twitter |
| Chatbot | No |
You can also contact them by mail by writing to Zenith car insurance:
Zenith Car Insurance
Pegasus House,
Bakewell Road, Orton,
Southgate,
Peterborough
PE2 6YS
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.
Watch out!
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’.
