An accident in May 2015, the third party failed to stop but we did have an independent witness who managed to get a registration which was given to ZENITH. We made a claim, paying our excess but unfortunately our car was 'written off'. We were given a poultry amount for our 4.5 year old car. Due to the fact it was a hit and run incident, the claim was logged as 'our fault'. So we pursued Zenith to establish whether the third party were involved. The third party failed to respond to any correspondence and after 8 months, it was decided that third party were not to blame for the accident. A good mechanic and a car body specialist definitely did an excellent job. Unfortunately ZENITH were the underwriters for us and the third party, we are the losers! We did suffer from neck and back problems but they don't care. The moral of the story is don't stop when you have an accident if your underwriter is ZENITH because they will never catch you!!!