After reading the reviews / horror stories on here, I was concerned. and when we had an accident I was genuinely worried. I was even more concerned when Zenith's claims department seemed to want to write the car off very quickly for what seemed like a small amount of damage. We were expecting a derisory offer, but were delighted when Zenith offered to settle at about £2,500 over the amounts being quoted by car valuation websites. The settlement took a little longer than I would have hoped once accepted, as it meant we were without a car for a few weeks, but when the money was received, it paid for a replacement car, slightly newer and a model up from the one I had. Really happy with the service.