Zenith Car Insurance Review

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 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
Technology		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

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		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
Comprehensive		Cover third-party fire and theft Covers injuries to you and damages to your car

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.

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.

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.

Is there any promo codes or discounts available at Zenith?

Cashback vouchers are available for new customers.

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 Cancellation fees outside 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 Sat: 9am – 5pm Sun: 10am – 4pm
Quotes	0808 1787 959	Mon-Fri: 8am – 9pm Sat: 9am – 5pm Sun: 10am – 4pm
Renewal	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

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	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.

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.