Zego insurance review

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.

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Zego

Who is Zego?

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 the four options are Zego, RSA, LPA UK and LPA Ireland.

All of these companies are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

What makes it different?

Zego’s speciality is that it offers motor insurance to professionals, like delivery drivers (both for cars and scooters) and courier drivers, as well as companies offering car hire services.

The company’s website says: “Insurance hasn’t changed in more than a century. But the ways that we live, work and travel have. Traditional, annual insurance policies can’t keep up with our ambitions. From flexible working to vehicle-sharing, one policy no longer fits all. So we’ve been building the solution: simple, flexible policies, designed to meet 21st-century needs.”

What level of cover is available?

Cover levels vary by product. For example, with the private hire insurance product, you can get third party only cover or comprehensive cover. Whereas the courier van cover offers the choice of third party only; third party, fire and theft; and comprehensive.

Have a look at the table below for details of each individual product.

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.

Private hire insurance

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 between cover valid for either 30 days or 1 year, and two types of private hire insurance: third party only or fully comprehensive.

Here is what’s included with each policy:

Cover benefitsThird partyComprehensive cover
Any 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 £50)
Audio, communication and navigation equipment (excess £500)
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:

Pay-as-you-go30-day
How does it work?Pay only when you work using your Zego balancePay one upfront fee at the start of your policy
How much does it cost?From £0.80 – £3.00 per hourFrom £120 – £350 per policy
Is it right for me?Perfect for part-time work (fewer than 20 hours per week)Perfect for full-time work (more than 20 hours per week)
What level of cover is provided?Equivalent to your existing car insurance (e.g. if you have
third party only cover in place already, your Zego
policy will give you third party only cover)
Scooter insurance

This is insurance for food delivery and courier riders (working with Deliveroo, Uber Eats, Just Eat, Stuart and more). Choose between third party only; third party, fire and theft; or fully comprehensive cover, from one hour with pay-as-you-go to one year with an annual policy.

Here is what’s covered under the three policy options:

Cover benefitsPay-as-you-go30-dayAnnual
Starting price£0.50 – £0.70 per hourFrom £110*From £1,100*
Payment methodPay only when you work using your Zego balanceOne upfront paymentOne 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 sizeUp to 125ccUp to 500ccUp to 500cc

*10% of riders paid these prices or less in April and May 2020

Courier Van Insurance

This policy is available with third party only; third party, fire and theft; or fully comprehensive cover and you can choose between a 30-day or annual policy. Optional Goods in Transit insurance is available and cover starts from £129 per month.

Here is what’s covered under each option:

Cover benefitsThird party onlyThird party, fire and theftFully 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 £50)
Audio, communication and navigation equipment (excess £500)
Fleet insurance

Zego’s policies are designed to give you and your fleet the level of protection you need. Choose between 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 typesCover 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 much does Zego insurance cost?

The price of motor insurance is based on a long list of personal factors, such as age, driving experience, the type of vehicle insured and the location of the policyholder. This means the exact premium you pay will be dependent on your details.

With Zego’s cover, the price will also vary by product and the line of business the policyholder is in. So the best way to find out how much your Zego insurance policy will cost is to get a quote on the company’s website.

Zego’s quote process works in a slightly different way. You answer a few basic questions about your vehicle and personal circumstances and get a price estimate. You then have to create an account on the Zego website, including entering your email address. You get sent an email with a link to download the Zego app and that’s where you can set up your insurance, including finding out the exact price of your policy.

You can pay for your cover as a rolling monthly subscription or on a pay-as-you-go basis, which is per hour. The second option is particularly good for part-time delivery drivers, as they can pay only when they are working.

What is the claims process for Zego insurance?

Depending on which type of policy you are claiming on, you need to contact one of the companies below:

Scooter and car flex claims – Call claims handler Broadspire on 01908 302 023, or email zego.insurance@broadspiretpa.co.uk.
Car and van claims – call claims handler RSA on 034 5300 4006 (+4433 0102 4115 from abroad), or 080 0783 4695 (for windscreen claims), or email claims@uk.rsagroup.com.
Private hire and motorcycle combo claims – call claims handler Broadspire on 01908 302 023, or email zego.insurance@broadspiretpa.co.uk.
All Ireland motor claims – call claims handler Wrightway on +3535 3916 7165, or email info@wrightway.ie.

Zego insurance customer reviews

On review platform Trustpilot, Zego has 4.6 out of 5 stars and a rating of “Excellent”, based on more than 1,500 reviews.

Customers praised the helpful and efficient service, but some complained of technical difficulties and didn’t like that the company is not easy to reach by phone (updated 10 August 2020).

Pros and cons

Pros

  • A range of products designed for professional drivers
  • The option to pay monthly or per hour
  • No fees for changing your details

Cons

  • The quote process is somewhat convoluted
  • You are not covered to drive other cars

Our verdict

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.

Compare Zego against other traditional car insurance providers

Data indicated here is updated regularly
Name Product Courtesy car cover Drive abroad in EU? Available Cover Details
Aviva car insurance
Optional extra
Optional extra
Third party fire and theft and comprehensive
Cover for legal costs if you're involved in an accident.
Uninsured driver promise, transport home or to your destination.
Pay monthly, interest free. Named driver and multi-car discount.
Hastings Direct
Yes
Up to 90 days per trip
Third party fire and theft and comprehensive
Windscreen and windows glass cover included as standard in Direct and Premier cover.
Cover for new and young drivers available.
LV= Comprehensive
Optional extra
Up to 180 days a year
Third party only, third party fire and theft and comprehensive
Replacement lock cover, misfuelling and accident cover and lifetime guarantee on eligible repairs*
Multi-car discount available
Churchill Comprehensive
Yes
Up to 90 days
Third party only, third party fire and theft and comprehensive
Replacement, upgrade or the money in case of write-off.
Vandalism and uninsured driver promise. Multi-car options and discounts available.
Saga Comprehensive
Yes
Unlimited
Third party only, third party fire and theft and comprehensive
Unlimited European use cover and uninsured driver protection. Discounts for over-50s.
Sheilas' Wheels Comprehensive
Yes
Up to 90 days
Third party, fire and theft & comprehensive
Cover for handbags and child seats.
Damage to windscreen and window glass included.
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