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Zenith van insurance review

Read our review of the van insurance from Zenith and a breakdown of its policies.

Zenith offers personal and commercial van insurance that comes with a range of benefits including courtesy vehicle cover, motor legal protection and windscreen cover. The insurance provider also offers a range of additional cover options to enhance van policies. Here’s what else we think you should know.

Who is Zenith?

Zenith has been providing insurance to the UK since 1937. As well as van insurance, Zenith offers car insurance to both learner drivers and full driver’s licence holders.

Zenith is a trading name of Markerstudy Direct Ltd, a representative of Markerstudy Insurance Services Ltd, which is authorised and regulated by the Financial Conduct Authority.

What are Zenith’s levels of cover?

To be on UK roads, all drivers are legally required to have at least third party insurance. Zenith doesn’t offer third party on its own, but it does offer two higher levels of cover.

  • Third party, fire and theft (TPFT). If you are responsible for causing an accident, you’ll be protected for damage to other people’s vehicles or property. You’ll also have protection against any fire damage or theft of your van.
  • Comprehensive. This is the highest level of cover on offer through Zenith and will provide the same protection as TPFT as well as insuring your van against accidental damage and vandalism. It’s always worth checking the cost of comprehensive as it can be cheaper than third party or TPFT.

What is covered under my policy?

Cover benefitsThird party, fire and theftComprehensive
Liability to other people and propertyYesYes
Fire and theftYesYes
Accidental damageYes
Motor legal coverYes
Courtesy van coverYes
Windscreen coverYes
Personal belongings coverYes
Audio and navigation equipment coverYes
Key coverYes

Check the policy document for a full list of cover benefits and to ensure you have the right cover for your needs.

Optional extras

Zenith offers a range of additional protection to bolt onto your policy, including:

  • Breakdown cover
  • Guaranteed replacement van cover
  • Tools in transit cover

What is my excess?

Your insurance excess is the amount of money you will need to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount. A compulsory excess amount might vary depending on the age of your van and your driving experience.

A voluntary excess is on top and is normally set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess, which should lower your premium.

You’ll find details about any compulsory or voluntary excesses in your policy document.

How do I make a claim?

You will need to refer to your policy document for the claims line details or visit the Zenith claims page on its website. From the claims page on the Zenith website, you will need to select the policy type and enter your vehicle’s registration number as well as your postcode and then follow the on-screen instructions.

It is important that you have the following information to hand before making a claim:

  • Details about the incident.
  • Names and contact details of everyone involved in the incident, including passengers, third parties and any witnesses.
  • The makes, models and registration numbers of all vehicles involved.
  • Third party insurance details and policy numbers.
  • Crime reference number, if applicable.
  • Digital photographs, if available.

It’s vital that you let your insurer know about an incident as soon as possible, even if it’s not your fault. Failure to do this could result in a rejected claim later on.

Zenith pros and cons

Pros

  • Claims line is open 24/7.
  • Optional extras can be added to enhance van insurance.
  • Making an amendment to a policy through the online portal is free.

Cons

  • To amend a policy over the telephone will result in an administration fee.
*Disclaimer: Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don't answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid.

The offers compared on this page are chosen from a range of products whose details Finder has access to track; they don't represent all the products available in the market. Unless indicated otherwise, products are displayed in no particular order or ranking. The terms "best", "top", "cheap" (and variations) are not product ratings and are subject to our terms of use. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

*51% of consumers could save £200. Quote aggregator Seopa split the insurers on its comparison systems into different categories. It then selected quotes from the most popular providers as well as quotes from other providers which returned a price. It then selected providers, weighting them according to UK insurance market share (data from the Association of British Insurers), choosing the cheapest of either the most popular providers or other providers ("the cheapest selected quote"). Seopa then compared the cheapest quote on its system against this "cheapest selected" quote. The company then took the savings figure which 51% or over could have saved, using that formula. The savings you could achieve will depend on your individual circumstances and how you selected your current insurance supplier.
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