At Zenith, we continually monitor our auto rates to ensure that we are providing our customers with the best coverage possible at competitive rates. Our unique rating structure combines your years licensed with the number of years you've been accident free – giving you the most equitable price. In addition, you'll also benefit from the following:
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Had an accident?
You're forgiven. In the event of a first accident following your enrollment with Zenith, 'you're forgiven'. Your insurance rates will not increase as a result of the accident.
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Bought a new car with no previous owner?
With the waiver of depreciation endorsement, you can protect your purchase for its full value instead of a depreciated amount.
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Emergency Roadside Assistance – including towing!
Zenith will reimburse you up to $100 for towing or other emergency road services, maximum $200 per policy year.

AUTO DISCOUNTS
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Student away from home
if you have a student in the family away at school, you could save.
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Age 50 (motorhomes)
if you are 50 years of age or older, save on your Motorhome.
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Graduated licensing
save if you hold a G2 or a G class license.
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Retiree
if you are retired, save even more.
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Conviction free
if you have not had any convictions in the past three years, you'll save more.
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Driver re-training
if you are a qualifying driver who has completed a re-certification course in the past three years, you will save.
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Renewal/Loyalty
when you renew your policy with Zenith, it is another way we say thank you.

To find out more about our valued added features: Current Privilege 50 Auto & Home Insurance policyholders call 1-888-732-1330. All other Privilege 50 clients can call 1-888-440-4876.



Coverage for your home, condominium, seasonal property, and a tenant's contents package.

We offer a choice of property insurance that allows you to determine the necessary level of coverage you need. The most popular forms of Zenith property insurance are Broad Form and Comprehensive. Broad Form covers all risks to your dwelling structure and named perils coverage to your contents (named perils include damage from events such as theft, windstorm, fire, lightning, etc.)

Comprehensive is the most extensive coverage and includes all risks to your dwelling and contents.

PROPERTY PRODUCT FEATURES:

With Zenith property insurance, you'll benefit from these innovative insurance coverages:
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Guaranteed Replacement Cost
if your home is destroyed, Zenith will cover costs to rebuild it with materials of similar kind and quality, even if your policy coverage is less. You must insure your home to 100% of estimated replacement cost to qualify for this coverage.
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Disappearing Deductible
if you have a large loss, you do not pay for the deductible.
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Student Away
if you have a student in the family away at school, your insurance extends to their belongings at school.
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Special Limits
Zenith offers some of the highest "special limits" insurance on items such as business records at your home, computer software, securities, etc.

PROPERTY SAVINGS AND BENEFITS

You can save on your property insurance by taking full advantage of the following Zenith discounts:
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Identity Theft Recovery
see below
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New Home Discount
save if your home is less than 10 years old.
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Special Limits
Zenith offers some of the highest "special limits" insurance on items such as business records at your home, computer software, securities, etc.
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Claim-Free Discount
if you have not had any claims in the past three years, you'll save more.
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Alarm System
if you have a centrally monitored fire or burglar alarm system installed, you're eligible for added savings.
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Age Discount
be rewarded for your years of responsible living.
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Mortgage-Free Discount
if you've paid off your mortgage, you'll receive a mortgage-free discount.



Combine your home and auto policies and save.

Personal Choice from Zenith brings you peace of mind more easily than ever and saves you money along the way.

By combining your home and auto insurance into one convenient Personal Choice package, you can save even more on each policy. That's in addition to other discounts such as age, multiple vehicles, claims free, home alarm and much more.

And money isn't the only thing you'll save. With one billing statement, one renewal date and one easy-to-follow package, Personal Choice saves you the time and hassle of dealing with several separate statements.

Along with our regular coverage, Personal Choice customers can take advantage of this additional coverage:



Coverage for watercraft, snowmobiles, ATVs, motorhomes and trailers.

Personal Choice from Zenith brings you peace of mind more easily than ever and saves you money along the way.
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Cottages/Ski Chalets/Seasonal Dwellings
Your home away from home. If you have a seasonal dwelling that you and your family enjoy, you should protect it as you would your primary home, with seasonal property coverage. With Zenith you can choose either Named Perils coverage, which covers only specified events such as theft, storm damage, etc., or All Risks coverage which covers all risks. We will work with you in determining the level of coverage you need to make sure that your vacation home is protected.
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Watercraft
What's more fun than cruising in your boat on the weekend! Whether you own a jet ski, motorboat or sailboat, adding coverage for your watercraft is easy. All you have to do is add it to your existing property policy (homeowner, condominium, tenant or seasonal homeowner policy). With watercraft coverage you're covered for damage due to accidents, storms, theft or vandalism.
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Vacation Trailers
To protect your vacation trailer when it's detached from your vehicle you can add additional coverage to your property policy to cover all risks to your trailer and its contents.
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All Terrain Vehicles/Snowmobiles/Motorhomes
Great savings! By adding coverage for your recreational vehicle to your existing Zenith auto policy, you're eligible for a discount of 20% off your recreational vehicle premium. And if you have a Zenith Personal Choice package (your home and auto insurance combined) you can save an additional 20% on your recreational vehicle coverage!



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Lifestyle Coverage
This unique coverage gives you additional peace of mind coverage for family members' contents in a healthcare facility, liability associated with volunteer work, and cash robbery within 24 hours of withdrawal from a bank, including an ATM.
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Homework
Another first by Zenith was the development of a coverage specially designed to protect the many Canadians who operate a home based business. Homework coverage, when added to your property policy, protects you for losses to business property, computers, as well as business interruption and liability.

It's an option that you add on to your Zenith Canada property insurance so you don't have to purchase a separate business policy. One phone call and that's all there is to it! Homework extends the coverage on your homeowner's policy to make sure that your business property at home is protected!
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Personal Umbrella Liability
The more things you own – home, cottage, pool, cars, boats, etc. – the more exposure you have for claims against you for injury to others and damage to their property. Personal Umbrella Liability provides added liability coverage above the limits of your homeowner's and auto policies, to protect your assets from potentially high court awards. And, if you travel out of the country, Personal Umbrella Liability provides you with worldwide protection.



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Privilege 50 Assist

Something on your mind? Need some questions answered or need some advice? Your Privilege 50 Auto & Home Insurance policy just became your own personal reference centre for legal, home and personal issues.

With Privilege 50 Assist, you now have toll-free access to lawyers, home repair specialists and counseling professionals. So whether your problem is a running feud with a neighbour or you've run into a stressful situation, help is as close as your phone.

Lawyers will provide information to your legal questions. You'll have access to a network of plumbers, electricians, carpenters and more. And you'll receive practical information and moral support from counselors anytime, day or night. Call as often as you want and talk as long as you like. There's no cost to you.
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Identity Theft

The financial implications of identity theft could be staggering. The identity thief can take over an individuals financial accounts, open new bank accounts, transfer bank balances, apply for loans, credit cards, purchase vehicles, take luxury vacations, and so on.

The new Identity Theft Recovery Expenses Endorsement from Privilege 50 Auto & Home Insurance provides up to $15,000 coverage for the reimbursement of certain expenses incurred in identity recovery. This could include:

- The costs of dealing with law enforcement agencies, financial institutions or
similar credit grantors, and credit agencies, such as notarizing or commissioning
documents, sending registered mail, telephone calls, and lost earnings resulting
from time off work for meetings;

- Application fees to re-apply for loans due to the lender receiving incorrect credit information;

- Lawyer fees incurred as a result of identity theft.

The new Identity Theft Recovery Expenses Endorsement has been automatically included for existing Zenith policyholders. Call toll-free for more information. Current Privilege 50 Auto & Home Insurance policyholders call 1-888-732-1330. All other Privilege 50 clients can call 1-888-440-4876.

To find out more about our valued added features, current Privilege 50 Auto & Home Insurance policyholders call 1-888-732-1330. All other Privilege 50 clients can call 1-888-440-4876.
 
Please refer to your policy for complete coverage details. In case of inconsistency between the above descriptions and your policy, the terms and conditions of your policy will govern. Please note that not all coverages are available in all jurisdictions due to provincial law. Premiums and eligibility for coverages will vary for specific individuals depending on individual factors.

Please refer to a Zenith representative for details.