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Zenith car insurance
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How good is Zenith car insurance?
Zenith is a UK-based insurer offering practical, no-frills car insurance designed to keep costs competitive. Its core car insurance policy is rated three stars by Defaqto, reflecting a more basic level of cover that may suit drivers looking for a simpler, lower-cost option.
Zenith holds a solid Trustpilot rating, indicating generally positive customer experiences across its policies. While it doesn’t publish a claims payout rate or Which? claims score, Zenith’s focus is on delivering straightforward cover at an affordable price point.
What is the Defaqto rating for Zenith car insurance?
Zenith Car Insurance
⭐⭐⭐^
Defaqto is a leading independent reviewer of financial products. Zenith's comprehensive car insurance policy received a three-star Defaqto rating for features and benefits, indicating a standard product providing an average level of features and benefits.
What will a Zenith comprehensive car insurance policy cover me for?
If you choose a fully comprehensive Zenith car insurance policy, the following is included:
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Courtesy Car
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Fire and Theft
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Audio/visual/electronic Equipment Cover
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Damage to other people's cars and property
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Injury to other people
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Audio and Sat-Nav Cover
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Lifetime guarantee on approved repairs
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Lost or stolen keys
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Personal belongings
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Windscreen replacement
How much do Zenith car insurance policies cost?
These are the average prices of Zenith car insurance policies across a wide range of drivers.
How much you personally pay will be influenced by your age, location, driving history and other factors, so could differ significantly
Zenith fully comprehensive
£869^
Zenith third party, fire & theft
£689^
What is included in Zenith Comprehensive Car Insurance?
Zenith Insurance keeps its core policy fairly straightforward, with the option to enhance your cover through a range of add-ons. Depending on your needs, you can upgrade your policy with extras such as:
Motor legal protection to help recover uninsured losses after a non-fault accident
Guaranteed replacement car cover, so you’re not left without a vehicle if yours is off the road
Breakdown cover provided by the RAC
Keycare cover to help with the cost and hassle of lost or stolen keys
These optional extras let you build a policy that suits your budget—whether you want basic cover or something more comprehensive.
Are Zenith car insurance add-ons worth it?
With Zenith, the value comes from choosing the right extras rather than upgrading to a higher-tier policy. Adding extras may be worth it if you:
Rely heavily on your car and would need a replacement vehicle if it’s off the road
Want legal support to recover costs after a non-fault accident
Don’t already have breakdown cover and want roadside assistance included
Would find it stressful or expensive to deal with things like lost keys or recovery costs
On the other hand, sticking with the base policy may be enough if you already have separate breakdown cover, don’t mind covering smaller costs yourself, or are mainly focused on keeping your premium as low as possible.
Is Zenith the best company to insure my car with?
Which provider is best for you will depend on your own needs and circumstances. Here are some advantages and disadvantages of Zenith car insurance to help you make your decision:
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Pros of Zenith car insurance
Flexible add-ons (motor legal protection, breakdown cover, replacement car, keycare) let you tailor your policy
Solid Trustpilot rating (around 4.1), reflecting generally positive customer feedback
Policies are straightforward and easy to manage online
Good option for drivers who want to pay only for the cover they actually need
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Cons of Zenith car insurance
Three-star Defaqto rating, meaning a more basic level of cover compared to higher-rated insurers
Many useful features (like breakdown cover or legal protection) cost extra rather than being included
No published claims payout rate or Which? claims score
Add-ons can increase the overall price, reducing the initial cost advantage
How does Zenith car insurance compare to other providers?
These are all standard fully comprehensive car insurance policies. All providers also offer higher-tier options, which will include more features for an extra cost.
Zenith | 1st Central Core | Swiftcover Plus | RAC Online | |
|---|---|---|---|---|
Price | £689^ | £468^ | £415^ | £308^ |
Defaqto rating | ⭐⭐⭐ | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ | ⭐⭐⭐ |
Which? claims rating^ | N/A | 54%^ | N/A | 83%^ |
Claims payout rate | N/A | N/A | 99% | N/A |
Uninsured driver promise^ included? | Not specified | Yes | Yes | No |
Courtesy car included? | Yes | Yes | Yes | Yes |
Administration fees^ | £25 | £25 (£5 online) | £25 by phone, free online | £15 |
Further information |
Price data from MoneySuperMarket. Other data from provider website and correct as of March 2026.
Is Zenith a good car insurer for young drivers?
Zenith offers straightforward, lower-cost car insurance with a solid Trustpilot rating, which may appeal to younger drivers trying to keep premiums manageable. Its policies are generally more basic, with a three-star Defaqto rating, meaning fewer features are included as standard compared to more comprehensive insurers.
However, it is not typically the cheapest option for new drivers. Our research shows that on average, the lowest-cost policies for drivers who have held their licence for less than a year were from Carole Nash
Zenith doesn’t prominently offer dedicated young driver products like black box (telematics) insurance, learner driver insurance, or temporary car insurance.
How do I contact Zenith?
💡 Top tip: If you bought your Zenith car insurance through MoneySuperMarket, you can see your policy information on our website. Just sign in and click on your dashboard.
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Web chat
You can reach out via Zenith's Webchat service, available Monday to Saturday 8am-6pm and Sundays 10am-4pm.
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By phone
The Zenith motor insurance contact centre is reachable by phone at 0344 326 7573. Phone lines are open from Monday to Friday 8am-6pm, Saturday 9am-5pm, and Bank Holidays 9am-5pm - but they are closed on Sundays.
How do I make a claim with Zenith?
If you need to make a claim on your Zenith car insurance policy, contact Zenith as soon as possible after an incident.
You’ll usually need your policy number, details of what happened (date, time, location), information about any other drivers or vehicles involved and photos or evidence.
Zenith claims line:
0344 326 7574
Claims lines are open 24/7, and are available even if you have an Online Car Insurance policy.
Can I cancel my Zenith car insurance and switch providers?
🚩 You will not get any money refunded if you have already made a claim on your car insurance
You will need to cancel your car insurance with Zenith directly. You cannot cancel via MoneySuperMarket.
You can cancel your Zenith car insurance online via their website.
Can I cancel my Zenith car insurance at any time?
Yes, you can cancel your Zenith car insurance at any time, but your refund will be reduced by fees and the time you’ve been covered if your policy has already started.
Does Zenith charge fees for cancelling car insurance?
Yes, Zenith charges cancellation fees. The amount varies depending on when you cancel:
Prior to the policy auto-renewing: £30 admin fee
Within the first 14 days of the policy starting: £30 admin fee
More than 14 days after the policy starts: £60 admin fee
You will also need to pay for all the days you were covered for.
Can I get a refund for extras I've added to my Zenith car insurance?
No, any payments for add-ons such as breakdown cover are non-refundable.
What other insurance does the Zenith sell?
More car insurance providers
With MoneySuperMarket, you can quickly and easily compare Zenith car insurance against policies from up to 195
Is it cheaper to buy Zenith car insurance through a price comparison website?
Price comparison websites like MoneySuperMarket can help you find cheaper car insurance from providers such as Zenith compared with going direct. There are several ways we can help you save money:
our Price Promise1 means if you find the same policy cheaper elsewhere (including on a provider’s website), we’ll refund the difference and give you a £15 gift card
our Price Optimiser gives you tailored tips on how to adjust your policy to reduce the price – 83%
^ of customers saved on their car insurance using this toolour SuperSaveClub2 rewards programme gives you added perks, including £15 when you buy a car insurance policy and benefits like a Free Days Out annual pass
We also make it quick and easy to compare Zenith policies alongside other insurers, so you can check you’re getting the best deal and see if the same level of cover is available for less elsewhere.
How do I find my Zenith car insurance policy?
If you bought your Zenith car insurance through MoneySuperMarket, you can find your policy information by logging into our website or app. Your active policies will be shown on your dashboard.
Alternatively, you can find your Zenith car insurance policy on the Zenith customer portal by logging into your account.
Will I be charged if I make a change to my Zenith car insurance?
Yes, Zenith charges a £25 administration fee for changes you make to your car insurance via your online account, such as changing your address or adding extra drivers. Your premium may also go up or down depending on the change.
Can I add other drivers to my Zenith car insurance policy?
Yes, you can add named drivers to your Zenith car insurance. To add a driver to your Zenith car insurance policy, log into your Zenith online account and go to the policy overview page.
Adding extra drivers to your Zenith car insurance may increase or decrease your car insurance premium, depending on their risk profile. MoneySuperMarket data found that adding a young driver (under 25) to any car insurance policy increased premiums by £768.94
Does Zenith car insurance include breakdown cover?
Zenith car insurance policies do not include breakdown cover as standard, but it can be purchased as an optional add-on for an extra fee - Zenith's breakdown service is provided by the RAC.
You can also buy breakdown cover from a different provider if you have Zenith car insurance.
How do I renew my Zenith car insurance policy?
Most Zenith car insurance policies will be set up for auto-renewal. This means that after your existing contract ends Zenith will start a new one for you using the payment details they have on file. No action is required from you and there will be no break in your car insurance cover.
Auto-renewal does not mean you will get the same cover at the same price as you had before. Zenith must contact you in advance of your policy renewing to inform you of any price or policy changes. If you don't want your Zenith cover to auto-renew, you need to inform Zenith before your policy end date. You can do this through your Zenith account.
Before letting your Zenith policy auto-renew, it's worth comparing car insurance quotes to see if you could get a better deal elsewhere. Shopping around can help ensure you’re not paying more than necessary, as renewal prices aren’t always the most competitive.
Can I pay my Zenith car insurance in monthly instalments?
Yes, you can pay for your Zenith car insurance policy via monthly Direct Debits. This is usually more expensive than paying one annual lump sum, because car insurers add interest onto monthly payments.
What is Zenith?
Zenith Insurance is a long-running insurer that forms part of the wider Markerstudy Group, providing car, van and other types of insurance to UK customers.
It focuses on offering simple, affordable cover with the option to add extras depending on your needs, rather than bundling everything into one policy.
Zenith policies are typically aimed at drivers who want flexible, no-frills insurance at a competitive price.
Who underwrites Zenith insurance?
Zenith car insurance is arranged and administered by BISL Limited, rather than being provided directly by a single insurer. This means:
BISL handles things like setting up your policy and customer service
the insurance itself may be underwritten by one or more insurers behind the scenes
some add-ons (like motor legal protection) may be underwritten by different providers
This type of setup is common in the UK insurance market, but it can mean your claims experience may vary depending on the underwriter, and you might deal with different companies for admin and claims. There are no inherent downsides, but it’s worth checking your policy documents so you know exactly who your insurer is and what’s included in your cover.
How does MoneySuperMarket create and review the content on its website?
At MoneySuperMarket, we want to give you clear, accurate and trustworthy information so you can make confident financial decisions for your circumstances.
Every page on our website goes through a careful editorial process before it is published. It’s written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.
We do use AI tools to support our research and drafting, but a human editor is always in the loop to review, fact-check and approve everything before it’s published, so you can trust that what you’re reading is both reliable and up to date.
You can read more in our editorial guidelines.
How does MoneySuperMarket make money?
We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
Does MoneySuperMarket work with all the providers on the market?
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is car insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy car insurance through MoneySuperMarket.
This includes:
Up to £15, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
Free Days Out pass (worth £180), which gives free entry to a range of UK attractions
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Is car insurance eligible for Price Promise?
Yes, car insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth up to £15
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 26 May 2026
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
You might see a premium policy with a lower average sold price than the basic option. That's not because it’s cheaper overall, but because lower-risk customers are buying it. People whose individual circumstances mean they receive higher premiums often choose the most basic cover to keep costs down, while those offered cheaper premiums are more likely to upgrade to a higher-tier product.
Based on the 10th percentile of comprehensive car insurance policies sold through MoneySuperMarket in the month of March 2026.
Accurate as of 25 May 2026.
83% of users completing the car insurance Price Optimiser journey and actioning its insights on MoneySuperMarket between 12.02.26 and 16.02.26 found a cheaper quote.
Based on Car Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for comprehensive covertype.
Based on the median annual price of third party, fire & theft car insurance policies sold through MoneySuperMarket in March 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
An 'uninsured driver promise' is a car insurance policy feature where you will not have to pay your excess and will not lose your no-claims discount if your car is hit by an uninsured driver and the accident wasn't your fault.
Administration fees are charges insurers apply when you make changes to your car insurance policy. Examples of mid-term policy changes that could incur an administration fee include: changing your address, updating your job title, adding or removing a driver, changing your vehicle.
These fees cover the cost of processing the change, rather than the insurance risk itself. They are separate from any change in your premium. For example, if you update your details, your price may go up or down based on risk, then an admin fee may be added on top.
Based on the average annual price of policies sold through carole nash on MoneySuperMarket between January 2026 and March 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through churchill on MoneySuperMarket between January 2026 and March 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through marmalade essentials on MoneySuperMarket between January 2026 and March 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Defaqto is a leading independent reviewer of financial products. Three stars is for 'A standard product providing an average level of features and benefits'.
Individual insurance products from Zenith may have different ratings. Data from the Defaqto website. Data from March 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
