Debating whether to buy a policy through Zenith Insurance? Maybe you’ve seen a great quote but want a bit more information about the company? You’ve come to the right place then. This guide will give you the lowdown on Zenith car insurance policies, Zenith Insurance contact numbers, login details, customer reviews and so much more.
About Zenith Insurance
Zenith Insurance is domiciled in Gibraltar and has its service company, Zenith Insurance Management UK Limited (ZIML), based in the UK. ZIML is located in Haywards Heath, West Sussex and employs more than 200 members of staff. This arm of the company is responsible for the marketing and distribution of Zenith Insurance’s products, which is what we see on a day-to-day basis.
History of Zenith Insurance
The origins of Zenith Insurance can be traced back to 1937 when it was a motor syndicate in Lloyd’s of London. It is now part of the Markerstudy Group of companies, which includes other brands offering complimentary services such as car windscreens.
Timeline
- 1937 - The Zenith brand starts life as a motor syndicate within the world-famous Lloyd’s of London.
- 2016 - Zenith Insurance Management UK Limited (ZIML) receives 5th place in the Sussex Super Growth Awards.
- 2017 - The Markerstudy Group wins 4th place at The Sunday Times 30 Best Big Companies to Work For.
- 2018 - Qatar Re acquires Zenith Insurance.
Zenith Insurance today
Known for its broker-distributed motor insurance products, it focuses on specialist cover for:
- Private car insurance.
- Motorcycle insurance.
- Commercial vehicle insurance.
Today, Zenith Insurance has approximately 3,000 FCA authorised insurance intermediaries and is readily accessible online via comparison sites.
Zenith Insurance policies: car, learner drivers, van
In this section, we are going to focus on the following different Zenith insurance products: car insurance, learner driver and van insurance.
Car insurance
Zenith car insurance is offered at two cover levels: ‘Third Party, Fire & Theft’, and Comprehensive. Here is a table with a quick overview of what you could benefit from:
| Cover | Third Party, Fire & Theft | Comprehensive |
|---|---|---|
| Liability to others | ||
| Loss or damage to the car by an accident | ||
| Loss or damage to the car by fire or theft | ||
| Car audio, navigation and entertainment equipment | ||
| Glass damage | ||
| Personal belongings | ||
| Medical expenses | ||
| Personal accident | ||
| Replacement locks | ||
| Travelling abroad | ||
| Named driver no claims discount |
Learner driver insurance
Finding learner driver insurance can be tricky. After all, you’re just starting out and buying your own policy can cost an arm and a leg. Zenith’s partner, Marmalade, provides its learner driver insurance policies. It will allow you to insure yourself while driving in a friend or family member’s car, reducing your premium but without risking your family/friend’s no claims discount.
With Zenith learner driver insurance you can be covered for:
- Loss of or damage to the car.
- Liabilities to third parties.
- Medical Expenses.
- Personal Belongings.
Van insurance
Zenith Insurance’s van insurance is there to cover you if you use a van for your business. There are a host of optional extras you can include too.
Details in this van insurance section are accurate for policies taken out on or after 17 July 2019. If you have a policy that started before that date, please check your policy documents for details.
| Cover | Third Party, Fire & Theft | Comprehensive |
|---|---|---|
| Liability to others | ||
| Loss or damage to the van by an accident | ||
| Loss or damage to the van by fire or theft | ||
| Van audio, navigation and entertainment equipment | ||
| Glass damage | ||
| Personal belongings | ||
| Medical expenses | ||
| Personal accident | ||
| Replacement locks | ||
| Travelling abroad |
How do I get a quote for Zenith Insurance?
It’s simple to get a quote for Zenith car insurance. From the Zenith Insurance homepage, you can navigate directly to the car, van or learner driver insurance pages. Click on the orange “quote me” button and get started.
You can also phone the company directly for a quote (see the list of Zenith Insurance contact numbers below).
Zenith Insurance cancellation policy
You can cancel your policy at any time but there will be a charge. The amount will depend on how long the policy has been active for.
You’re probably aware of your rights as a consumer to a 14-day cooling-off period. This absolutely exists here too. However, if you cancel within 14 days you will still be charged a fee to cover the period you were already protected for.
You may want to cancel your policy well into its term and that’s fine to do. The longer you leave it the more you will have to pay as you will have been covered for more time. Zenith Insurance will determine whether or not you are owed a refund based on whether:
- You made or have a pending claim.
- There are any outstanding premium payments owed to the company.
- There is any credit left over once the cancellation charge is applied.
Zenith Insurance login: Mission Control portal
The Zenith Insurance login page is called Mission Control and is available to all customers. It offers a more extensive range of online services than most providers. You can save time and money by making changes online, rather than over the phone.
Here is a sample of what you can do via the Mission Control system:
- Change driver details on a policy.
- Change the level of cover.
- Change payment details.
- View policy documents.
- Register a claim and track progress.
While you can perform most tasks online, you may still want to speak to a customer service agent (see our contact section below).
How to register for your online account
You will receive your Zenith Insurance login details via email, once you have purchased a policy. If you buy your policy over the phone, you can also register at the end of the call if you would prefer.
Follow the details on how to log in and activate your account.
Zenith Insurance contact numbers and opening hours
If you need to get in touch, here is a list of essential Zenith Insurance contact numbers and opening hours. We will provide all the details for car insurance, learner driver insurance and van insurance in separate tables.
Car insurance
Whether you are looking for a quote or are an existing customer, here are the contact details you’ll need relating to car insurance policies. If you’re an existing customer you can also log in via the online portal (see above).
| Contact | Phone Number and Email | Opening Hours |
|---|---|---|
| Car Insurance Quote | 0808 1787 959 | Mon-Fri: 8am – 9pm Sat: 9am – 5pm Sun: 10am – 4pm |
| Make a Claim | 0344 326 7574 | 24 hours 7 days a week |
| Motor Windscreen Claim | 0800 917 0900 | 24 hours 7 days a week |
| Complaints | 0344 705 0630 | Mon-Fri: 9am-5pm |
Learner driver insurance
Whether you are a new or existing customer, here are the contact details you’ll need for learner driver insurance policies. If you’re an existing customer you can also log in via the online portal (see above).
| Contact | Phone Number and Email | Opening Hours |
|---|---|---|
| Learner Driver Customer Service and Renewals | 0330 123 0983 Email: [email protected] | Mon-Fri: 8am – 9pm Sat: 9am – 5pm Sun and Bank Holidays: 9am – 4pm |
| Learner Driver Claims | 0330 123 0982 Email: [email protected] | 24 hours 7 days a week |
Van insurance
Whether you are looking for a quote or are an existing customer, here are the contact details you’ll need for van insurance policies. If you’re an existing customer you can also log in via the online portal (see above).
| Contact | Phone Number and Email | Opening Hours |
|---|---|---|
| Customer Services | 0344 257 8212 | Mon-Fri: 8am – 9pm Sat: 9am – 5pm Sun: 9am – 4pm |
| Renewals Helpline | 0344 257 8213 | Mon-Fri: 8am – 8pm Sat: 9am – 5pm Sun: 10am – 4pm |
| Claims Helpline | 0344 326 7574 | 24 hours 7 days a week |
| Existing Claims | 03330 436 516 | Mon-Fri: 9am-5pm |
| Breakdown Helpline | 0800 316 7816 | 24 hours 7 days a week |
| Complaints | 00344 257 8212 | Mon-Fri: 8am – 8pm Sat: 9am – 5pm Sun: 10am – 4pm |
| No Claims Discount | [email protected] | Email anytime |
Make a complaint
Hopefully, you will never need to make a complaint but if you did need to you should call the relevant number in the contact section above.
Zenith Insurance will try and resolve your complaint within three business days of receipt of the complaint. Where this isn’t possible, you can expect the following communication:
- Acknowledgement of your complaint in writing within five days, including the name of your dedicated complaint handler.
- Zenith Insurance will then aim to resolve your complaint within four weeks of receipt of the complaint or provide you with an update if it’s of a complicated nature.
- The aim is to provide a final response letter within eight weeks of receipt of the complaint. Should this deadline pass, you can expect to receive an update explaining why.
If you have any questions throughout the process, you should call your dedicated complaint handler.
Zenith Insurance reviews: a quick look
Zenith Insurance aims for a fresh approach and tries to cut out the use of insurance jargon. The website has a vastly different look and feel to other insurance companies as a result. How do customers feel about the company though and what have their experiences been like? Let’s jump right in.
On Trustpilot, Zenith Insurance has more than 850 reviews and receives a 3.5/5 star average rating (5 being the highest). Customers really like the customer services team when renewing a policy or making an amendment to a current policy. However, the service around getting paid out for claims receives a more negative response.
Still on Trustpilot, many customers felt that they received a much better quote from Zenith Insurance than other providers. In contrast, there are a few grumbles about admin fees being too high to make changes to existing policies.
On the Review Centre site, Zenith Insurance receives 3/5 stars on average from over 600 reviews (5 is also the highest here). Again, one of the biggest complaints on this site centred on claims. The issue revolved around reports that the company didn’t want to pay the full amount of the claim or were having disagreements with clients over a payout.
Where claims aren’t involved though, it’s generally very positive. Customers on Review Centre also noted that premiums are lower, which is what attracted them to Zenith Insurance in the first place.
Complaints handling
Since Zenith Insurance is domiciled in Gibraltar it is not regulated by the Financial Conduct Authority (FCA) but by the Financial Services Commission of Gibraltar, in accordance with European Union legislation. For this reason, there is no complaints data held with the FCA on Zenith Insurance.
Selectra’s verdict
Zenith Insurance offers a limited selection of products but this isn’t necessarily bad. In fact, it can say quite the opposite about a company if it’s focussing on its strengths and can concentrate all its energy and resources onto that area.
It seems to be aimed at a younger market and this makes sense with the low prices and the fact that it offers learner driver insurance. As we mentioned earlier, the website is written in clear language and is more dynamic than most insurance providers’ webpages.
| Low prices you will pay for your policy. | Negative reviews about the claims process online. |
| Great online portal, allowing you to make many changes online, bypassing the need to call. | Admin fees have been called out as being too high. However, this is subjective and what is considered acceptable varies from one person to the next. |
Data and information correct as of December 2019.
All material on this page and the selectra.co.uk website is for information purposes only and does not constitute any form of financial advice. Selectra.co.uk is not responsible for any consequences that might arise from your use of the information provided.
Other providers are available and the best deal for you will depend on your individual circumstances. Please do your own research and seek professional advice if necessary (moneyadviceservice.org.uk offers free, independent advice on all financial issues).