Zenith car insurance
Whether you're new to the roads or you've been round the block, Zenith has a couple of policies worth looking at.
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With Zenith you can get either a third party, fire and theft (TPFT) policy or a comprehensive one.
It throws a whole host of perks in too, such as key cover and protection for personal belongings stolen from your car.
For more, read our review of Zenith’s car insurance policies below. We walk you through what they will and won’t cover, so you can quickly decide if it has a deal for you.
Zenith was founded back in 1937 and is based in Gibraltar. It’s part of the wider Markerstudy Group which providers a range of car insurance policies and other complementary products in the UK.
With a 3-star Defaqto rating for its car insurance policies, Zenith certainly isn’t the highest rated insurer on the market.
However, its comprehensive deal covers a fair amount of bases, offering windscreen cover, a courtesy car and protection for your in-car entertainment.
Zenith offers just two levels of cover: third party, fire and theft or comprehensive.
If your car is a bit of an old banger and not worth a whole lot, then you might opt for third party, fire and theft insurance. Generally this type of policy will work out as being cheaper than comprehensive, as you’re getting less protection.
However, this isn’t always the case. While it might seem a bit bizarre, comprehensive deals sometimes work out as being cheaper. It’s certainly worth getting quotes for both levels of protection.
Zenith doesn’t offer the most basic level of cover, so you’ll have to look elsewhere for third party insurance.
This is the lowest level of cover available from Zenith, covering other people and their property if you collide into them. Plus it will protect your car should it be damaged by fire or theft.
A comprehensive policy offers the same protections as a third party, fire and theft policy. Yet it will also protect your own vehicle if it gets damaged in a collision or vandalised.
With Zenith you also get a few perks included as standard with its comprehensive policy, such as windscreen cover, a free courtesy car and repairs guaranteed for three years.
Zenith also has a few extras you can get in addition to your main policy, for instance:
Cover benefits | Third party, fire and theft | Comprehensive |
---|---|---|
Fire and theft | ✓ | ✓ |
Liability to others | Up to £20 million | Up to £20 million |
Personal belongings | – | Up to £100 |
Five years of guaranteed repair work for fire or theft claims | ✓ | ✓ |
Accidental damage | – | ✓ |
Courtesy car cover | – | ✓ |
Windscreen cover | – | ✓ |
Medical expenses | – | Up to £200 |
European car insurance | Up to 60 days | Up to 60 days |
In-car entertainment cover you installed | Up to £500 | Up to £500 |
Replacement locks | – | Up to £500 |
In-car entertainment cover installed by manufacturer | Unlimited | Unlimited |
24-hour motor legal advice helpline | ✓ | ✓ |
Check your policy carefully to ensure it covers everything you need it to cover.
Zenith can offer you a pretty comprehensive policy for your car, yet all insurance providers have a list of reasons why they will refuse to pay out for a claim. You will not be covered if:
For a full list and explanation of the exclusions, see your insurance policy.
A policy excess is the amount you have to contribute towards the costs of a claim before the insurer starts paying out and it will usually be up to £350.
One main reason insurers charge this fee is to stop you making lots of claims for small repairs. By volunteering to have a higher excess you can lower your premiums though.
When you sign up with an insurer you will have to agree to the size of your excess, so you’ll know full well how much you will pay if you need to claim.
Zenith’s car insurance claims line is open 24/7. For most claims you can call 0344 326 7574 and you should have your insurance details and information about your claim to hand. For windscreen repairs you need to call 0808 178 8126.
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