I was put through to this company by my insurance broker after someone reversed into my car. They accepted liability at the time but later changed their mind (shock horror). After going through all the details twice! Once with my broker then Zenith, I was told that the incident would go as a split fault as this would be hard to prove otherwise! Great news for the guy who reversed into me as his car didn’t have a scratch on it! I explained that the surrounding areas had cctv and I had also taken pictures, but the guy on the phone couldn’t have cared less. He further explained that I could go ahead with the claim and pay my excess (and gain higher premiums) or pay privately! I have opted to pay privately to save the NCB so this better not be affected! It’s great knowing that you pay for a service but are not really covered! Now I am paying for someone else’s careless mistake! The support from this company is shocking and I will not be dealing with them in the future!