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 benefits||Third party, fire and theft||Comprehensive|
|Liability to other people and property||Yes||Yes|
|Fire and theft||Yes||Yes|
|Motor legal cover||Yes|
|Courtesy van cover||Yes|
|Personal belongings cover||Yes|
|Audio and navigation equipment cover||Yes|
Check the policy document for a full list of cover benefits and to ensure you have the right cover for your needs.
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
- 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.