Zenith Car Insurance Review

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By Aren Mirzaian
First published on March 13, 2025

3 minute read

MyChoice follows a strict content review process designed to ensure reliable and unbiased information.

Article Contents

This page is for informational purposes only. MyChoice is not affiliated with this company.

About Zenith Car Insurance

Zenith is a small Canadian insurance provider with a track record of offering small business and personal insurance. The company can trace its roots back to Lombard Canada Limited in 1804. It is currently part of Northbridge Financial Corporation as a subsidiary of Fairfax Financial Holdings.

How Zenith’s Customer Reviews Compare to Other Insurance Companies

Insurance
Provider		Company’s
Online Rating
Zenith4.2/5
Travelers2.1/5
Economical1.6/5
Certas2.1/5
PC4.5/5
Source: Google Reviews, Trustpilot

Zenith Car Insurance Pros & Cons

Below are some main pros and cons of getting car insurance with Zenith, based on the company’s online reviews.

ProsCons
Part of a Large Insurer
(Northbridge Insurance)		Frequent Hidden
Fees and Charges
Competitive RatesHigh Cancellation Fees
Good Customer Service

What Does a Standard Zenith Car Insurance Policy Include?

Zenith car insurance comes standard with trauma and liability coverage as Canadian law requires. It also features accident, liability, and uninsured driver coverage.

Accident Coverage

Accident coverage will cover injuries to yourself and your passengers during a crash. This feature is designed to help you recover quickly from a crash without dealing with major bills. Accident coverage benefits will cover such things as:

  • Medical Bills
  • Lost Income
  • Cost Of Long-Term Injuries

Liability Coverage

Liability coverage is designed to cover damages to the other driver while protecting you from bills. It will cover the other driver’s medical bills and repair or replace their car. This feature will protect you if you are sued following a crash.

Uninsured Driver Coverage

This feature will cover you if the other driver has no insurance coverage or flees the scene.

Customizable Standard Features

Zenith makes it easy for their customers to customize their insurance by selecting different dollar amounts of coverage and protection from different risks. Customers can adjust their coverage to be more protected from medical bills or personal liability. Customers can select coverage from named perils such as theft or vandalism.

Ticket Forgiveness

Zenith will not raise your premiums if you receive a minor traffic citation. This feature can save you money and allow you to avoid stress when you get pulled over.

What Are Zenith’s Optional Car Insurance Coverages?

Zenith offers several optional forms of coverage. You can purchase these options by simply paying a little bit more on your premiums. Optional coverage features can help you avoid higher premiums or recover from an accident.

Accident forgiveness allows you to avoid higher insurance rates following an accident with the cost of higher Insurance premiums being a potential major burden. You should compare the cost of accident forgiveness vs. the increased premiums associated with an accident. Accident forgiveness will even protect you from higher premiums if you are found at fault.

Roadside assistance will cover the cost of having someone help you when your car breaks down. This can include the cost of towing after an accident, as well as assistance changing a tire or topping your car up with gas.

Depreciation coverage will reimburse you for the original purchase value of your vehicle.

How Can You Save on Car Insurance With Zenith?

Zenith offers several ways to save on Insurance in the form of discounts. Some common ways to get a discount include:

  • Bundling Policies
  • Having A Good Driving And Claims Record
  • Attending University
  • Being An Experienced Driver

Bundling Policies

Bundling policies is a simple way to save on insurance. Most customers already do this, and they can get a discount by bundling their home and auto insurance, as well as multiple auto policies.

Having A Good Driving And Claims Record

Zenith will discount you if you have a clean history of avoiding driving convictions, accidents, or claims.

Attending University

Zenith offers discounts for college students and graduates. College students receive a discount, which is desirable as young people generally have to pay high insurance premiums. Recent college graduates are still eligible for a student discount, with Zenith brokers offering discounts from certain universities.

Being An Experienced Driver

Older drivers with many years of driving experience are eligible for a discount. Zenith will also give a discount to people under twenty-five who graduate from a G2 to a G license.

What Other Insurance Products Does Zenith Offer?

Other than auto insurance, Zenith offers personal home Insurance. Zenith Insurance’s home insurance is tailored to clients’ needs, risks, locations, and other factors affecting their home safety.

How To File A Claim With Zenith Car Insurance

Zenith offers a simple and transparent claims process, priding itself on resolving claims quickly. The company offers an “express claims service,” allowing drivers to resolve minor fender benders by simply submitting pictures of the damage to their vehicle.

Zenith allows you to submit claims through their website or to a toll-free number.

Email

You can contact them at anytime 24/7

Message

Contact by phone

Feel free to contact the team by phone

1-855-629-1213

Website

File a claim by visiting the Zenith (TruShield) website

Visit Website
By Aren Mirzaian

With over a decade in Canada’s insurance sector, Aren is a leading voice in the industry, providing thought leadership on auto insurance, underwriting innovation, and how technology is reshaping insurance.

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