Zenith Insurance Management
Zenith Insurance Management (legal entity BISL Limited) is a UK motor insurance intermediary arranging car and van policies for individual consumers and tradespeople, distributed via aggregators, brokers, phone, and direct online channels since 1937.
- Company typePrivate
- Founded1937
- HeadquartersHaywards Heath, United Kingdom
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Zenith Insurance Management does
Zenith Insurance Management is a UK motor insurance intermediary operating under the legal entity BISL Limited (FCA No.308896), arranging and administering car and van insurance products for individual consumers and small business owners under the Zenith Car and Zenith Van trading names. The company was founded in 1937 and is part of the Markerstudy Group of Companies, with underwriting provided by West Bay Insurance Plc (formerly Zenith Insurance Plc), registered in Gibraltar and authorised by the Gibraltar Financial Services Commission. The product portfolio centres on comprehensive car insurance and a 5-star Defaqto-rated van insurance product targeted at higher-risk drivers and tradespeople, supplemented by optional add-ons including Motor Legal Protection (£100,000 cover), Guaranteed Replacement Vehicle coverage, RAC-provided breakdown cover tiers, Keycare, and Tools in Transit cover for van policies (up to £5,000).
Distribution is multi-channel: direct online sales and a phone contact centre, all four major UK price comparison aggregators (Compare the Market, Confused, Go Compare, Money Supermarket), and broker/intermediary networks, with a temporary car insurance referral partnership (Jaunt) covering 1 hour to 28 days. The technology stack includes a self-service customer portal branded Mission Control, Ping Identity for authentication, Microsoft Clarity and Glassbox for session and UX analytics, counter fraud systems integrated with fraud prevention databases, and Adobe Target for A/B testing on the public website. Marketing is executed through organic social (Twitter, Facebook), content marketing via the company blog, and paid display across Google, Meta, Microsoft, and Pinterest. Geographic scope is explicitly UK-only, and revenue is generated through recurring subscription-style annual or monthly premiums plus optional add-on attach.
Zenith Insurance Management firmographics
Firmographics- Name
- Zenith Insurance Management
- Legal name
- BISL Limited
- Website
- https://zenith-insure.com
- Company type
- Private
- Founded year
- 1937
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Zenith Insurance Management (legal entity BISL Limited) is a UK motor insurance intermediary arranging car and van policies for individual consumers and tradespeople, distributed via aggregators, brokers, phone, and direct online channels since 1937.
- Ownership category
- akta.pro rank
Zenith Insurance Management industry classification
Industry- Product category
- Motor Insurance
- NAICS
- Insurance Carriers (5241), Insurance Carriers and Related Activities (524), Other Direct Insurance (except Life, Health, and Medical) Carriers (524128), Insurance Agencies and Brokerages (524210), Other Insurance Related Activities (52429)
- SIC
- Insurance Carriers, Nec (6399), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Commercial Auto & Fleet Insurance (FSAJAMAB)
- akta.pro secondary industry
- Vehicle Protection & Add-on Product Financing (Warranties, GAP, Service Plans) (FSAKADAL)
Keywords
Where Zenith Insurance Management is headquartered
LocationHeadquarters
- HQ city
- Haywards Heath
- HQ country
- United Kingdom
- HQ region
- Europe
Offices3 records
Markets served
Zenith Insurance Management business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Motor Insurance Premiums: Primary revenue from annual or monthly motor insurance premiums for car and van coverage. Policyholders pay recurring premiums for comprehensive, third-party fire and theft, or third-party only coverage.
- Optional Add-ons: Additional revenue from optional extras including Tools in Transit cover, Guaranteed Replacement Van Plus, Breakdown Cover (RAC), Motor Legal Protection, Keycare, and Guaranteed Replacement Van.
- Optional Add-ons (Car): Revenue from optional car insurance extras including Motor Legal Protection, Guaranteed Replacement Car Plus, RAC Breakdown Cover, and Keycare.
- Broker and Intermediary Distribution: Revenue generated through broker and intermediary distribution channels, with products arranged and administered by BISL Limited.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Other | Car Insurance Admin Fees |
| Other | Other | Van Insurance Admin Fees |
| Subscription | Annual | Van Insurance Core Features |
| Subscription | Annual | Car Insurance Core Features |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels5 records
Zenith Insurance Management product offering
Product offeringCore offering
Zenith Insurance Management offers car insurance and van insurance products to UK consumers under the Zenith Car and Zenith Van brands, with a range of optional add-ons including Motor Legal Protection, Guaranteed Replacement Car Plus, RAC Breakdown Cover, Keycare, Tools in Transit, and Guaranteed Replacement Van Plus. Products are arranged and administered by BISL Limited and underwritten by West Bay Insurance Plc. Distribution is via direct online/phone channels, brokers/intermediaries, and UK price comparison aggregators.
Product overview
Zenith Insurance Management offers a portfolio of motor insurance products centered on two core products: Car Insurance and Van Insurance. Both are available as standalone comprehensive policies with a range of optional add-on modules including Motor Legal Protection, Guaranteed Replacement coverage, RAC Breakdown Cover, and Keycare. Van-specific add-ons include Tools in Transit cover. The company also offers a digital Self Service Centre (Mission Control) and Go Paperless feature for online document management. A referral partnership with Jaunt provides temporary car insurance for short-term needs. Products are distributed through brokers, phone, and leading aggregator websites, with administration handled by BISL Limited and underwriting by West Bay Insurance Plc.
Differentiator
Problem solved
Functional benefit
Products and services
- Car Insurance Comprehensive car insurance product for UK consumers including experienced drivers and higher-risk categories (young drivers, low No Claims Discount, or points on licence). Provides choice of excess options, free courtesy car, named driver No Claims Discount, audio/navigation equipment cover, windscreen cover, and EU/EEA coverage.
- Van Insurance 5-star Defaqto rated van insurance for UK tradespeople (painters, plumbers, electricians, man-with-van). Covers emergency helpline, guaranteed repairs, courtesy vehicle, personal belongings (£250), windscreen cover, replacement locks (£500), and audio/navigation equipment.
- Motor Legal Protection Optional add-on providing up to £100,000 in legal costs coverage to recover uninsured losses from accidents where the policyholder is not at fault, including personal injury compensation, excess recovery, and medical expenses.
- Guaranteed Replacement Car Plus Optional add-on providing a replacement vehicle for 14 or 28 days when the insured car is deemed un-driveable following a claim. Vehicle is typically a small hatchback with 1 litre engine.
- RAC Breakdown Cover (Car) Optional breakdown cover provided by RAC with tiered options: Roadside Only, Roadside and Recovery, Roadside Recovery and At Home, and Roadside Recovery At Home with Onward Travel and Europe coverage.
- Keycare (Car) Optional add-on covering loss or theft of car keys up to £1,000 for replacement keys and locksmith charges. Policy excess does not apply and no claims discount is not affected.
- Tools in Transit Optional van insurance add-on providing up to £5,000 cover for tools belonging to the policyholder when stolen, destroyed or damaged whilst loaded upon, carried by, temporarily housed on or being unloaded from the insured van. £100 excess applies.
- Guaranteed Replacement Van Plus Optional van add-on guaranteeing a similar-sized replacement van for up to 60 days or £100 cash alternative if the van is written off or stolen, regardless of fault.
- Van Breakdown Cover RAC-provided breakdown cover for vans up to 5.5 metres in length with tiered options from UK Roadside to EU+UK coverage including Roadside, Recovery, At Home, and Onward Travel.
- Van Keycare Optional van add-on providing up to £1,000 for replacement keys or locksmith charges if keys go missing or are locked inside the van or home.
- Guaranteed Replacement Van Optional van add-on guaranteeing a car derived vehicle for up to 28 days when the vehicle is deemed un-driveable following a claim.
- Jaunt Temporary Car Insurance Short-term car insurance referral partnership providing cover from 1 hour to 28 days, with no risk to the car owner's No Claims Discount. Offered through BISL Limited as an intermediary.
Quantifiable outcome
- Fraud adds approximately £50 to annual insurance bill per UK policyholder according to ABI research - counter fraud systems help mitigate this cost
Companies that use Zenith Insurance Management
Customer profileSegments4 records
Ideal customer profiles3 records
Zenith Insurance Management technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature5 records
Zenith Insurance Management partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered parent company, core, preferred, minor and infrastructure.
- Markerstudy Groupparent companyZenith Insurance is part of the Markerstudy Group of Companies, which includes various brands offering complementary products and services such as windscreen repair and replacement.
- West Bay Insurance PlccoreWest Bay Insurance Plc (formerly Zenith Insurance Plc) is authorised by the Gibraltar Financial Services Commission and underwrites the insurance business. Registered in Gibraltar under company number 84085.
- Insurance Factory LimitedcoreBISL Limited operates as an appointed representative of Insurance Factory Limited, which is authorised and regulated by the FCA as an intermediary (FCA No. 306164).
- Auto WindscreenspreferredPreferred authorised windscreen repair and replacement specialist. Customers can book online through Auto Windscreens for windscreen services.
- RACcoreRAC provides breakdown cover services for both car and van insurance policies, offering multiple coverage tiers from UK Roadside to EU+UK Roadside, Recovery, At Home and Onward Travel options.
- JauntminorJaunt provides short-term/temporary car insurance (1 hour to 28 days) referred by Zenith. Jaunt is a trading name of BISL Limited for temporary car insurance needs.
- Ping IdentityinfrastructureProvides authentication platform for websites, handling login, logout and identity management functions for customer accounts.
- Microsoft ClarityinfrastructureAnalytics tool for analysing user behaviour, providing session recordings, heatmaps, and machine learning insights on how users interact with the website.
- GlassboxinfrastructureRecords user interaction on the website including mouse clicks, movements, page scrolling, and text entered into web forms for research and UX improvement.
- Google AnalyticsinfrastructureWebsite tracking and monitoring service. Data shared with other Google services for analytics and targeted advertising purposes.
- Meta (Facebook/Instagram/Pinterest)minorMeta Pixel used for tracking quotes and sales conversion, providing targeted advertising on Facebook and Instagram platforms, tracking user interest in products.
- Price Comparison AggregatorscoreProducts distributed through Compare the Market, Confused, Go Compare, and Money Supermarket for customer acquisition through comparison shopping.
Scale indicators4 records
Recent moves6 records
Expansion highlights4 records
Zenith Insurance Management competitors and assessment
Company assessmentBroad incumbents
- LV= (Liverpool Victoria): UK mutual offering car, home, and life insurance with strong aggregator presence and direct distribution. Comparable to Zenith because of similar UK personal lines motor offering and multi-channel acquisition strategy.
- Aviva UK General Insurance: UK arm of Aviva plc selling car, home, and commercial insurance across multiple channels including aggregators. Comparable to Zenith as a large UK multi-line insurer with overlapping motor offering and aggregator presence.
- Admiral Group: UK-listed personal lines insurer best known for Admiral car insurance, dominant on price comparison aggregators. Directly comparable to Zenith because it competes head-to-head on UK car insurance via the same aggregator channels.
- Ageas UK: UK insurer selling motor and home through aggregators, brokers, and direct. Comparable to Zenith as a mid-to-large UK personal lines motor competitor with overlapping aggregator-led customer acquisition.
- Direct Line Group: One of the UK's largest personal lines insurers with a flagship Direct Line brand in motor and home insurance. Comparable because it serves the same UK consumer motor market with similar multi-channel distribution and is a benchmark for UK personal lines scale.
- Churchill Insurance: Direct Line Group subsidiary focused on UK personal lines motor distributed via price comparison sites. Comparable to Zenith because it competes on the same aggregator channels for similar consumer segments.
Direct peers
- Hastings Group: UK personal lines motor and home insurer selling primarily through price comparison sites with similar multi-channel digital acquisition. Highly comparable to Zenith because of matching go-to-market on UK aggregators and similar mid-tier scale in personal motor.
- esure Group: UK personal lines motor and home insurer distributed largely through price comparison websites. Comparable to Zenith as a focused UK personal lines motor player with similar aggregator-led distribution model.
Regional players
- NFU Mutual: UK mutual insurer offering motor, home, and commercial insurance with a strong regional and broker-led distribution model. Comparable to Zenith because both serve UK personal lines motor customers, though NFU Mutual uses a different (mutual/broker) acquisition model.
Others
- Markerstudy Group: Zenith's parent group and one of the UK's largest private motor insurance groups, also running brands in managing general agency, claims, and ancillary services. Relevant as the parent ecosystem that owns Zenith and includes complementary windscreen and repair businesses.
Market position
Weaknesses5 records
Competitive moat5 records
Key risks4 records
Key highlights7 records
Customer concentration
Zenith Insurance Management social profiles
Digital presenceZenith Insurance Management compliance and trust
Trust signalCompliance3 records
Zenith Insurance Management financial estimates
Financial estimateRevenue estimate
Valuation estimate
Zenith Insurance Management leadership team
Management profileNumber of profiles
Zenith Insurance Management funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Zenith Insurance Management M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Zenith Insurance Management
What does Zenith Insurance Management do?
Zenith Insurance Management offers car insurance and van insurance products to UK consumers under the Zenith Car and Zenith Van brands, with a range of optional add-ons including Motor Legal Protection, Guaranteed Replacement Car Plus, RAC Breakdown Cover, Keycare, Tools in Transit, and Guaranteed Replacement Van Plus. Products are arranged and administered by BISL Limited and underwritten by West Bay Insurance Plc. Distribution is via direct online/phone channels, brokers/intermediaries, and UK price comparison aggregators.
Is Zenith Insurance Management a public or private company?
Zenith Insurance Management is a private company. It is classified as corporate owned and is currently operating.
When was Zenith Insurance Management founded?
Zenith Insurance Management was founded in 1937. It employs 11 to 50 people.
Where is Zenith Insurance Management based?
Zenith Insurance Management is headquartered in Haywards Heath, United Kingdom, in the Europe region.
How does Zenith Insurance Management make money?
Four revenue lines are on record. Motor Insurance Premiums are the primary driver. The others are optional Add-ons, optional Add-ons (Car) and broker and Intermediary Distribution.
Who are Zenith Insurance Management's main competitors?
Broad incumbents on record are LV= (Liverpool Victoria), Aviva UK General Insurance, Admiral Group, Ageas UK, Direct Line Group and Churchill Insurance. Direct peers are Hastings Group and esure Group. NFU Mutual is listed as a regional player. Markerstudy Group is listed as an others.
Does Zenith Insurance Management have an API?
No public API is recorded for Zenith Insurance Management.
What industry is Zenith Insurance Management in?
Zenith Insurance Management's product category is Motor Insurance. Its primary akta.pro industry code is FSAJAMAB, Commercial Auto & Fleet Insurance, with a secondary code of FSAKADAL, Vehicle Protection & Add-on Product Financing (Warranties, GAP, Service Plans). Its NAICS code is 5241 and its SIC code is 6399.