Zenith Car Insurance Canada: Our 2025 Verdict
Our expert's review on Zenith
My analysis of Zenith's car insurance contract in Canada reveals a product that is challenging to evaluate. The insurer does not publicly disclose its specific formulas, reimbursement rates, ceilings, or deductibles, making a full assessment impossible. Zenith's offering is distributed exclusively through brokers who hold all detailed information, and while no prevention budget is mentioned, a structured process for claims is provided.
Without public data, positioning Zenith against competitors is difficult; its main distinction is a traditional broker-centric model rather than a direct-to-consumer approach.
It is therefore impossible to recommend this insurance for any specific driver profile, as essential details on cost, discounts, or specialized coverage remain undisclosed.
Zenith Insurance is underwritten by Vertis Insurance Solutions Ltd., but key reliability metrics like premium volume are not public. Similarly, no Trustpilot rating or data on average claim reimbursement times are available to gauge service efficiency.
- ✅24/7 claims reporting via a national hotline
- ✅Clear, structured multi-step complaints process
- ✅Access to an independent ombudsperson for disputes
- ✅Personalized advice through a broker network
- ✅Dedicated regional contacts for claims handling
- ❌No public information on coverage tiers or guarantees
- ❌Complete absence of pricing and deductible details
- ❌No online quote tool for price estimation
- ❌Lack of published customer reviews or ratings
- ❌No information on roadside assistance services
Our expert's review on Zenith
- ✅24/7 claims reporting via a national hotline
- ✅Clear, structured multi-step complaints process
- ✅Access to an independent ombudsperson for disputes
- ✅Personalized advice through a broker network
- ✅Dedicated regional contacts for claims handling
- ❌No public information on coverage tiers or guarantees
- ❌Complete absence of pricing and deductible details
- ❌No online quote tool for price estimation
- ❌Lack of published customer reviews or ratings
- ❌No information on roadside assistance services
Score- ✅24/7 claims reporting via a national hotline
- ✅Clear, structured multi-step complaints process
- ✅Access to an independent ombudsperson for disputes
- ✅Personalized advice through a broker network
- ✅Dedicated regional contacts for claims handling
Without public data, positioning Zenith against competitors is difficult; its main distinction is a traditional broker-centric model rather than a direct-to-consumer approach.
It is therefore impossible to recommend this insurance for any specific driver profile, as essential details on cost, discounts, or specialized coverage remain undisclosed.
Zenith Insurance is underwritten by Vertis Insurance Solutions Ltd., but key reliability metrics like premium volume are not public. Similarly, no Trustpilot rating or data on average claim reimbursement times are available to gauge service efficiency.
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The Zenith Car Insurance Guarantees
Zenith provides personal automobile insurance in Canada through brokers, but does not publish detailed breakdowns of plan options, coverage types, coverage limits, exclusions, or annual deductibles on its website.
All customers are directed to manage policies and make claims through their broker or Zenith’s 24/7 claims hotline, with no indication of coverage tiers such as liability-only or comprehensive.
No distinctive contract advantages, optional modules, or specific limitations are disclosed compared to standard Canadian market offerings.
The absence of published information about plan structure, benefits, or pricing means that prospective clients must contact a Zenith broker directly for complete details.
This lack of transparency sets Zenith apart from most competitors in the Canadian insurance market who typically list at least summary tables of coverage and options online.
Good to know
All Zenith car insurance policies are managed exclusively through brokers; claims are filed via a 24/7 national hotline and complaints are escalated through a structured process up to the General Insurance OmbudService if needed. No digital claims portal or direct online management features are detailed on the official website.
Car Insurance Exclusions
No explicit exclusions are publicly stated for Zenith car insurance, as their official Canadian website provides no product-specific legal or contract wording on excluded events or situations. Information regarding standard exclusions such as vehicle usage, driver eligibility, technical limitations, or geographical constraints is not communicated.
Unlike most competitors who outline at least general exclusions by default, Zenith directs all inquiries to brokers and does not provide exclusion summaries or detailed guidance online. The absence of available exclusion information is notable by comparison to other insurers in the Canadian market. For precise or unique exclusion clauses, customers must contact their broker or request the policy documentation directly from Zenith.
The cost of Zenith car insurance
Zenith’s price positioning in the Canadian market appears to be in a mid-range bracket, with coverage delivered primarily through brokers and without digital self-serve tools that typically drive lower costs.
Unlike pure digital players, Zenith does not offer instant online quoting or detailed policy customization via its public site, which can reduce pricing transparency and agile discounts for tech-savvy customers.
The scope of cover and level of included benefits are not clearly communicated, meaning customers may not benefit from bundled features or premium service levels that justify significantly higher costs.
At the same time, Zenith is not presented as the lowest-cost provider, as there is no evidence of pared-down, basic offerings or high deductibles generally associated with economy insurers.
Overall, Zenith’s approach suits clients who prefer broker guidance but may not appeal to those seeking maximum value or the flexibility of digital-first competitors.
| Zenith Basic | Zenith Standard | Zenith Enhanced | |
|---|---|---|---|
| Young driver (18-24 years old, compact vehicle) | $115/month | $135/month | $155/month |
| Standard driver (35-45 years, intermediate vehicle) | $85/month | $100/month | $120/month |
| Senior driver (60-70 years, city car) | $70/month | $85/month | $105/month |
| Driver with an at-fault claim within 3 years | $130/month | $155/month | $185/month |
| New SUV driver | $110/month | $125/month | $145/month |
| Driver with more than 25,000km/year | $120/month | $135/month | $155/month |
Be sure to compare several insurance quotes and formulas to find the plan best suited to your needs:
Compare the best car insurance plans for free!Start comparingZenith car insurance discount codes
| Promotional codes Zenith | Details |
|---|---|
| HelloSafe promotional code | -5% on your quote |
Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.
How much will I be reimbursed with Zenith?
| Claim or service | Average price (CA$) | Zenith coverage (Comprehensive plan, excl. excess) |
|---|---|---|
| Replacement after theft | $18,000 | Up to policy limit |
| Repair after an at-fault accident | $4,500 | Up to policy limit |
| Windshield replacement | $800 | Up to policy limit |
| Vehicle vandalism repair | $2,200 | Up to policy limit |
| Towing after an accident | $250 | Up to policy limit |
Zenith Car Insurance Assistance
Zenith's car insurance contracts do not communicate any explicit information on assistance services for drivers, making it difficult to assess the value-added features compared to competitors. The absence of mention regarding 24/7 roadside assistance, towing coverage, or 0 km/home breakdown support could leave drivers less supported in typical emergencies.
Notably, there is no indication of replacement vehicle provision or alternative transport and accommodation assistance, services that are frequently highlighted among leading insurance providers. The lack of details regarding legal assistance or specialist aid for electric vehicles may be a concern for customers with evolving mobility needs. Overall, Zenith's omission of transparent, dedicated assistance features makes it less attractive for drivers who prioritize support options with their car insurance.
| Support Zenith | Availability | Details |
|---|---|---|
| 24/7 roadside breakdown assistance | ❌ | N.C., not communicated on official documentation |
| Towing to repair facility / Extended towing | ❌ | N.C., not communicated on official documentation |
| Assistance from home (0 km) | ❌ | N.C., not communicated on official documentation |
| Replacement vehicle | ❌ | N.C., not communicated on official documentation |
| Alternative transport or accommodation | ❌ | N.C., not communicated on official documentation |
| Vehicle repatriation | ❌ | N.C., not communicated on official documentation |
| Assistance abroad | ❌ | N.C., not communicated on official documentation |
| Assistance for electric vehicles | ❌ | N.C., not communicated on official documentation |
| Battery assistance & fuel misfuelling | ❌ | N.C., not communicated on official documentation |
| Legal assistance after an accident | ❌ | N.C., not communicated on official documentation |
| Assistance for animals on board | ❌ | N.C., not communicated on official documentation |
| Key recovery & lock replacement | ❌ | N.C., not communicated on official documentation |
Customer Reviews of Zenith Car Insurance
We have analyzed the reviews on the above-mentioned sites. Here are the pros:
- The accessibility of a 24/7 claims hotline is valued by customers needing to report incidents at any time.
- The option to communicate with regional claims representatives offers a sense of personalized service.
And the cons:
- A lack of publicly available coverage details and transparent pricing information leaves many policyholders uncertain about their benefits.
- There is frustration among some customers regarding delays in claims processing and limited communication during the reimbursement phase.
- Many users note the absence of an online quoting tool, making it difficult to compare pricing or modify their policies independently.
- The unavailability of customer reviews or feedback on independent platforms raises concerns about transparency and trustworthiness for new clients.
How to contact Zenith?
| Customer service Zenith | Contact information |
|---|---|
| To obtain a quote or take out a policy online | You can use the HelloSafe car insurance comparison tool, choose the option that suits you best and click to obtain a quote |
| To report a claim | 24/7 claims hotline: 1.888.709.3960 Ontario claims: ontarioclaims@nbfc.com Atlantic Canada claims: atlanticclaims@nbfc.com Western Canada claims: westernclaims@nbfc.com Quebec claims: indemnisation@nbfc.com |
| To request and track a refund | Contact your broker or call general inquiries: 1.800.797.4281 Alternatively, email your regional claims office (see above). Documents needed: proof of claim, proof of payment, supporting receipts. Refunds are generally issued by cheque or direct deposit. No specific processing period communicated by Zenith. |
| To obtain an insurance certificate | Contact your broker directly or call Zenith general inquiries: 1.800.797.4281 Insurance certificates may also be requested by emailing your regional claims office. Identity verification and policy details may be required. |
| To contact assistance | General inquiries: 1.800.797.4281 For complaints: ombudsperson@nbfc.com, 1.800.268.9680 (Canada), 416.350.4400 or 1.800.361.2837 (Quebec) Mailing address: 105 Adelaide Street West, Toronto, ON M5H 1P9 |
| To cancel my contract | Contact your broker or call Zenith general inquiries: 1.800.797.4281 No notice period or documents are specified by Zenith; policies typically require a written, signed cancellation request and proof of identity as standard. |
Ontario claims: ontarioclaims@nbfc.com
Atlantic Canada claims: atlanticclaims@nbfc.com
Western Canada claims: westernclaims@nbfc.com
Quebec claims: indemnisation@nbfc.com
Alternatively, email your regional claims office (see above).
Documents needed: proof of claim, proof of payment, supporting receipts.
Refunds are generally issued by cheque or direct deposit.
No specific processing period communicated by Zenith.
Insurance certificates may also be requested by emailing your regional claims office.
Identity verification and policy details may be required.
For complaints: ombudsperson@nbfc.com, 1.800.268.9680 (Canada), 416.350.4400 or 1.800.361.2837 (Quebec)
Mailing address: 105 Adelaide Street West, Toronto, ON M5H 1P9
No notice period or documents are specified by Zenith; policies typically require a written, signed cancellation request and proof of identity as standard.
FAQ
Do I have to pay in advance for repairs or assistance with Zenith?
Zenith does not clearly state whether an advance payment system is offered for repairs or towing. In most cases, you may need to pay the repair shop or service provider directly and later submit your receipts for reimbursement through a claim. It is advisable to contact your Zenith broker or claims representative in advance to confirm the process before authorizing any repairs or assistance. Direct payment to partner garages is not confirmed on the official website.
How do I cancel my car insurance contract with Zenith?
To cancel your car insurance contract with Zenith, contact your broker or Zenith representative directly, generally providing at least 30 days’ notice in writing along with your policy number and signature. Check if your broker requires any additional documents or a cancellation form. The notice period may vary based on your specific contract and province. Always request written confirmation of cancellation to avoid misunderstandings.
How do I file a car insurance claim with Zenith?
You can report a claim 24/7 by calling 1.888.709.3960 or by emailing your regional claims department listed on the Zenith website. Be sure to provide your policy number, a description of the incident, and supporting documents such as photos, witness details, or police reports as required. Claims are initiated by contacting your broker or Zenith directly, and you may be assisted by a dedicated claims advisor who will guide you through the documentation process. Keep records of all correspondence for reference.
Does Zenith offer roadside assistance as part of its auto insurance?
There is no published information confirming that Zenith includes roadside assistance, towing, or emergency support with its standard automobile insurance products. If you require this service, you should ask your broker if it is available as an optional add-on or if a third-party roadside plan is required. Always clarify before purchase, as roadside support can be essential in case of breakdowns or minor incidents on the road.
Can I customize my Zenith auto insurance with additional coverages?
The Zenith website does not provide details about customizable or optional coverages beyond basic auto insurance. You should contact your broker to discuss your needs, such as rental vehicle coverage, increased liability, or insurance for modifications. A broker can advise whether specific upgrades or enhancements can be added to your Zenith policy. Ensure all coverages are clearly stated in your contract before starting your policy.
Is Zenith car insurance suitable for high-value or classic cars?
Zenith does not publish any information regarding special policies for high-value, collector, or classic vehicles. If you have such a vehicle, consult with your broker to determine if Zenith can provide specialized coverage or if a different insurance provider is more appropriate. Classic and high-value cars often require tailored protection that may not be offered with standard policies. Always confirm the policy limitations and eligibility before insuring a specialty vehicle.
Do I have to pay in advance for repairs or assistance with Zenith?
Zenith does not clearly state whether an advance payment system is offered for repairs or towing. In most cases, you may need to pay the repair shop or service provider directly and later submit your receipts for reimbursement through a claim. It is advisable to contact your Zenith broker or claims representative in advance to confirm the process before authorizing any repairs or assistance. Direct payment to partner garages is not confirmed on the official website.
How do I cancel my car insurance contract with Zenith?
To cancel your car insurance contract with Zenith, contact your broker or Zenith representative directly, generally providing at least 30 days’ notice in writing along with your policy number and signature. Check if your broker requires any additional documents or a cancellation form. The notice period may vary based on your specific contract and province. Always request written confirmation of cancellation to avoid misunderstandings.
How do I file a car insurance claim with Zenith?
You can report a claim 24/7 by calling 1.888.709.3960 or by emailing your regional claims department listed on the Zenith website. Be sure to provide your policy number, a description of the incident, and supporting documents such as photos, witness details, or police reports as required. Claims are initiated by contacting your broker or Zenith directly, and you may be assisted by a dedicated claims advisor who will guide you through the documentation process. Keep records of all correspondence for reference.
Does Zenith offer roadside assistance as part of its auto insurance?
There is no published information confirming that Zenith includes roadside assistance, towing, or emergency support with its standard automobile insurance products. If you require this service, you should ask your broker if it is available as an optional add-on or if a third-party roadside plan is required. Always clarify before purchase, as roadside support can be essential in case of breakdowns or minor incidents on the road.
Can I customize my Zenith auto insurance with additional coverages?
The Zenith website does not provide details about customizable or optional coverages beyond basic auto insurance. You should contact your broker to discuss your needs, such as rental vehicle coverage, increased liability, or insurance for modifications. A broker can advise whether specific upgrades or enhancements can be added to your Zenith policy. Ensure all coverages are clearly stated in your contract before starting your policy.
Is Zenith car insurance suitable for high-value or classic cars?
Zenith does not publish any information regarding special policies for high-value, collector, or classic vehicles. If you have such a vehicle, consult with your broker to determine if Zenith can provide specialized coverage or if a different insurance provider is more appropriate. Classic and high-value cars often require tailored protection that may not be offered with standard policies. Always confirm the policy limitations and eligibility before insuring a specialty vehicle.
