• /media/1060/zenith_banner_telescope_jargon.jpg

Jargon Buster

We try our hardest to dump the jargon, however, we understand that some insurance words are sometimes used and can be difficult to understand them, so here are the most commonly used phrases and what they mean.


This will provide cover for damage to your vehicle as a result of an accident regardless of fault, malicious damage, fire, theft, attempted theft or storms and damage to third parties. This will not cover you for any mechanical breakdown or wear and tear brought about by the vehicle’s regular use.


Defaqto are an independent UK financial research company, who rate products out of 5 Stars based on the features and benefits the product offers. The criteria they base the star rating out of is determined on their own views of what features are likely to be important to helping you decide which products you need. The star rating is not made up from customer reviews or testimonials.


The amount you pay towards any claim regardless of fault or non-fault. This can include both compulsory and voluntary excesses which are added together.


The Financial Conduct Authority is the body which regulates the financial services industry in the UK, with the aim of protecting consumers, and promoting competition between financial services providers in the interest of the consumers.


The Financial Ombudsman Service is an independent organisation set up to deal with complaints which cannot be resolved between the customer and UK based businesses providing financial services i.e. insurance companies.

Inception Date

The date on which your insurance policy starts.


To indemnify is to put you back in the same financial position you were in before the claim/accident occurred.

This can include paying for damage repair, legal bills and in some cases the replacement of the vehicle depending on the situation.


No Claims Bonus or No Claims Discount is a rolling count of your claim free driving years, provided by your insurer, subject to a maximum. This can be used to reduce the cost of the following year’s car insurance premium.


The Prudential Regulation Authority was set up in 2012 to promote financial stability of the UK financial system.

Its main objectives are to promote the safety and soundness of banks, building societies, credit unions, insurers and investment firms & to secure protection for policyholders

SSC / Self Service Centre

Self Service Centre is a ‘portal’ which customers can log into and access policy documents, such as certificate of insurance, or request changes to their policy.

Third party

This is any person who makes a claim against you or anyone insured under your policy.


Third Party Fire and Theft insurance means in the event of an accident which is your fault, your insurance company would pay out for damage to other parties involved in your accident only - any accidental damage repairs to your own vehicle would not be covered or medical expenses incurred. Fire and theft damage to your car is included with this level of cover.


The underwriter is an insurer which on receipt of a set payment, called a premium, promises to pay your claim based on the level of cover required.


Easy access to our online Self Service Centre providing all the information you need at your fingertips.



Experienced advisors are here to provide emergency help day or night.



Keeping the cost of insurance down through cutting-edge counter fraud systems.