Auto & Home

The right protection for the right price – get more without having to pay more. We’ve got you covered with multiple coverage options and value-added benefits, plus better rates and discounts designed to reward your good driving habits and responsible home ownership.

Alert - Alberta Wildfires and British Columbia and Quebec Flooding

We’re closely monitoring the wildfires impacting parts of Alberta and flooding in British Columbia and Quebec. Our Claims team is standing by to assist should you be impacted. Please call our National Emergency Claims Hotline: 1.888.709.3960.

Alternatively, you can connect to us by email through the addresses below:

Please Note: You’ll need to provide your Zenith Insurance policy number and/or customer number.

Collision Reporting Kit

Free Collision Reporting Kit

Download, print, and keep this in your glovebox to gather details at the scene of a collision.

Download now!
IBC Home Inventory Checklist

Home Inventory Checklist

Learn the value of your stuff with this resource from the Insurance Bureau of Canada.

Download now!


Features, benefits & coverage

Our program is designed with the value-added benefits that reward your good driving habits and responsible home ownership.

Auto Insurance
Features & Benefits

We start with the lowest rates possible for good drivers 50-plus. In addition, you can benefit from the following:

  • Emergency Roadside Assistance: Zenith will reimburse you up to $100 per occurrence for towing or other emergency road services, up to a maximum $200 per policy year.
  • Waiver of depreciation endorsement: If you buy a new car with no previous owner, you can protect your purchase for its full value instead of a depreciated amount.
  • Optional Minor Conviction Forgiveness Endorsement: Available for conviction-free drivers who have been licensed for at least three years. If, after purchasing the endorsement, you receive a minor driving conviction, we’ll forgive it and treat it as if it doesn’t exist.
  • Optional Accident Forgiveness Endorsement: Eligible drivers will see this listed as an optional endorsement with a separate premium under the Policy Change Form section of the Certificate of Automobile Insurance. Should you decide to keep this coverage, you will continue to be protected from a premium increase in the event of an at-fault accident.

Home Insurance
Features & Benefits

We offer a choice of property insurance that allows you to determine the necessary level of coverage. You’ll benefit from these insurance coverages:

  • 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.
  • Disappearing Deductible: If you have a loss over $50,000, you do not pay for the deductible.
  • Student Away: If you have a student in the family away at school, your insurance extends to their belongings at school.
  • Special Limits: Zenith offers “special limits” of insurance on items such as business records at your home, computer software, securities, etc.

Personal Choice

When you bundle your auto and home insurance into one convenient Personal Choice package, you can save even more on each policy. 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.


  • Cottages / Ski Chalets / Seasonal Dwellings: 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 broad form coverage, which covers only specified events such as theft, storm damage, etc., or comprehensive coverage which covers all risks except those specifically excluded in the policy wording. We will work with you in determining the level of coverage you need to make sure that your vacation home is protected.
  • Watercraft: 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 or tenant policy). With watercraft coverage you’re covered for damage due to accidents, storms, theft or vandalism.
  • 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 your trailer and its contents.
  • All-Terrain Vehicles / Snowmobiles / Motorhomes / Motorcycles: By adding coverage for your recreational vehicle to your existing Zenith auto policy, you’re eligible for a discount off your recreational vehicle premium. And if you have a Zenith Personal Choice package (your auto and home insurance combined) you can enjoy additional savings on your recreational vehicle coverage!

Additional Coverage
for Your Protection

  • Lifestyle Coverage: This unique coverage gives you additional peace of mind coverage for family members’ contents in a health care facility, liability associated with volunteer work, and cash robbery within 24 hours of withdrawal from a bank, including an ATM.
  • Homework: 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 property policy, 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!
  • 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.


Get the right coverage for the best price

Whether you’d like a quote or more information, give us a call. Our licensed insurance specialists are here to answer your questions, explain your options, help select the right coverage for your needs and ensure you receive all discounts to which you are entitled: 1.888.432.3284.

Customer Service Inquiries:
Zenith/Northbridge toll-free: 1.800.825.8604
Aviva Traders policies call: 1.800.361.5110

Program Partner: Zenith

Insurance policies underwritten by Zenith Insurance Company*

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