Zego provides flexible insurance cover for delivery drivers, couriers and car hire companies. Car, scooter and van insurance are all available with monthly or hourly rates.
Zego is a newcomer to the insurance market and focuses on providing motor insurance products for different types of professions and businesses, including delivery drivers, couriers and hire companies.
Who underwrites Zego insurance?
This varies by product, but it will be either Zego, Wakam or QBE.
All of these companies are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
What are Zego’s different policies?
Zego insurance offers a number of products, including car insurance for delivery drivers, scooter insurance and fleet insurance. Each type of product offers different features and cover level options, so we’ve listed them all separately below.
This policy is designed for all private hire drivers, whether you’re transporting passengers (including with Uber, Ola and Kapten) or delivering parcels and food. You can also drive your car when you’re not working, using your vehicle for everyday trips and journeys.
You have the choice of cover valid for either 30 days or 1 year. There are 2 types of private hire insurance: third party only or fully comprehensive.
Here is what’s included with each policy:
Cover benefits
Third party
Comprehensive cover
Any costs for causing damage to other vehicles or property
✓
✓
Your legal liability for causing death or injury to other people
✓
✓
Public liability cover up to £10 million
✓
✓
Fire damage or the theft of your vehicle
–
✓
Loss or damage of your vehicle or its spare parts
–
✓
Windscreen (excess £25)
–
✓
Audio, communication and navigation equipment (£500 limit)
–
✓
Car insurance
This insurance is for all car delivery drivers (working with Deliveroo, Uber Eats, Just Eat, Stuart and more). You can choose between pay-as-you-go and 30-day cover.
Here is what’s included with each option:
Cover benefits
Third party
Comprehensive cover
Your legal liability for causing death or injury to other people
✓
✓
Public liability cover up to £5 million
✓
✓
Costs for causing damage to other vehicles or property up to £5 million
✓
✓
Loss or damage of your vehicle or its spare parts
–
✓
Windscreen (excess £50)
–
✓
Audio, communication and navigation equipment (excess £500)
–
✓
Scooter insurance
This is insurance for food delivery and courier riders (working with Deliveroo, Uber Eats, Just Eat, Stuart and more). Choose third party only, third party, fire and theft or fully comprehensive cover. You can get cover from 1 hour with pay-as-you-go, a monthly or annual policy.
Cover benefits
Pay-as-you-go
30-day
Annual
Payment method
Pay only when you work using your Zego balance
1 upfront payment
1 upfront payment or pay in monthly instalments with financing
Delivery cover (hire and reward)
✓
✓
✓
Cover for personal use (social, domestic and pleasure)
–
✓
✓
Third party only
✓
✓
✓
Third party, fire and theft
–
✓
✓
Fully comprehensive
–
✓
✓
Maximum engine size
Up to 125cc
Up to 500cc
Up to 500cc
Courier van insurance
This policy is available with third party only, third party, fire and theft or fully comprehensive cover and you can choose a 30-day or annual policy.
Here is what’s covered under each option:
Cover benefits
Third party only
Fully comprehensive
Costs for causing damage to other vehicles or property up to £5 million
✓
✓
Your legal liability for causing death or injury to other people
✓
✓
Public liability cover up to £5 million
✓
✓
Fire damage or the theft of your vehicle
–
✓
Loss or damage of your vehicle or its spare parts
–
✓
Windscreen (excess £25)
–
✓
Audio, communication and navigation equipment (up to £500)
–
✓
Business van insurance
Also known as commercial van insurance, this covers vans used for work or business purposes. It is only available as an annual, comprehensive policy.
Zego’s business van insurance includes:
Cover benefits
Fully comprehensive
Cover for business use, commuting and personal driving
✓
Costs for causing damage to other vehicles or property up to £5 million
✓
Personal belongings cover up to £300 and tools in transit cover up to £500
✓
Loss, damage or theft of your vehicle and its spare parts
✓
Windscreen (£25 excess for repairs or £100 for replacement)
✓
Audio, communication and navigation equipment (up to £500)
✓
Personal accident cover up to £5,000 and motor legal protection up to £100,000
✓
Courtesy car (with approved repairers)
✓
Fleet insurance
Zego’s policies are designed to give you and your fleet the level of protection you need. Choose fully comprehensive, third party, fire and theft or third party only cover to get the policy that suits you best.
Here is what’s available:
Cover types
Cover benefits
Fully comprehensive
Third party, fire and theft
Third party only
Third-party property damage (£5 million per claim/loss)
Loss or damage of your vehicle
Audio, communication and navigation equipment cover
Windscreen cover
Unlimited cover for third-party bodily injury
Defence legal fees
How do I make a claim?
To start your claims process you need to call 020 3885 0622. If you’re in Ireland, you need to call 053 916 7100.
Zego insurance customer reviews
On review platform Trustpilot, Zego has 4.4 out of 5 stars and a rating of “Excellent”, based on more than 9,600 reviews (updated May 2024).
Pros and cons
Pros
A range of products designed for professional drivers
If you work as a delivery driver or similar and want flexible, comprehensive cover, then Zego is a great option.
It is a particularly suitable solution for part-time drivers, as you can choose to pay on an hourly basis, so only for the times you are at work.
The sign-up process is a little convoluted and the app does track your movements, which might not be to everyone’s liking, but is necessary for the type of insurance on offer.
Zego is best suited to people who are tech-savvy and comfortable managing their policy exclusively through the app, without needing to contact the company by phone.
Get started by visiting Zego’s website and sign up for a policy. If you have read this review and decided that Zego car insurance is not for you, you can also compare other car insurance policies on the market.
Compare Zego against other traditional car insurance providers
You can start the cancellation process by emailing support@zego.com and saying you want to cancel. Include the date you want to cancel in your email.
You can also cancel using the live chat on the website.
Frequently asked questions
Yes. When you get a quote, you can choose to set your policy to start immediately.
You also have the option to get a pay-as-you-go policy for which you pay by the hour. This means that, if you are a part-time delivery driver, you can take this cover out whenever you are working, saving you having to pay for cover you don’t use.
Yes, you can manage your account online and with the Zego app.
The best way to contact Zego is though its app. You can also use the help chat feature on the company’s website or email the team on support@zego.com for customer enquiries, or info@zego.com for general enquiries.
Live chat is available: Monday to Sunday (including Bank Holidays) from 7am–8pm
Like many tech-focused insurance companies, Zego tries to discourage customers from calling them over the phone. However, if you really want to chat to someone on the Zego team, you can contact the company on 020 3308 9800.
Lines are open: Monday to Friday from 10am–4pm
You can check your expiry date online or with the app online.
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