DO NOT USE ZENITH INSURANCE! - DO NOT USE ZENITH INSURANCE! EVER EVER EVER This company is the perfect advert for you get what you pay for. A 3rd party reversed into my car at an Asda car park back in September 2015. 3rd party admitted full liabilty and their insurer paid for all repairs. Have just found out Zenith my own insurer had me down as "At fault" upto until today even though they were informed the 3rd party admitted liabilty and had paid my repairs. Then at the beginning of Febuary a foriegn driver in a foreign lorry hit my Mum who was driving my Car at the time . The insurance details the driver gave appear to be invalid and we are having a nightmare tracking his insurance down. I informed Zenith of the accident as obliged but have made no claim and no claim has been made against my insurance. Zenith have decided to put me "at fault" for 6 months and frozen my NCD. How can i be "at fault" when no claim has been made. Their own underwriters have said ot shouldnt be recorded as "at fault" as its not resolved. They tell you to speak to the brokers to have it changed but when you speak to the brokers they tell you only the underwriters can change it. You get passed from pillar to post when you try sort the mess out and all their internal teams seem not to communicate with each other. I went with Zenith because they were the cheapest and its bit me in the back side. Do not go with Zenith Ever. Look at all the alternatives. You get what you pay for.