Honestly I would give 0 stars to them. I have just finished my insurance with them and they have sent me NCD for less years than i am eligible for. I have never met with an accidant and never claimed with them so not sure how my NCD would go down from 5 to 3 years. Immidiately i took my policy out last year I had letter saying i was involved in accident which i was definately not and had to call them and they confirmed that i was fraud case and my NCD will not be affected. I kept receiveing few letters after that but I was being told the same thing that it was their error and I should not worry. When i called to cancel the auto-renewal of my policy at that time also i was confirmed that my NCD is 5 years. However i have not received email advising my NCD is 3 years. i have to provide proof of my NCD to the new car isurer and i am being told that claims will contact after 5 days. My new isurer would not cover me on false information so now I cannot drive my car untill all this have been sorted. I have raised this with their complaints team and further take this to Ombudsman as this has caused lot of trouble and stress to him. NEVER USE ZENITH