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 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.

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 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 benefitsThird partyComprehensive 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 benefitsThird partyComprehensive 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 benefitsPay-as-you-go30-dayAnnual
Payment methodPay only when you work using your Zego balance1 upfront payment1 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
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 benefitsThird party onlyFully 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 benefitsFully 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 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 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
  • 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

Zego was a finalist in our Finder Car Insurance Innovation Awards 2024.

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

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Name Product Available cover Details Link
Aviva Comprehensive
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.
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AA Car Insurance
Third Party only, third party fire and theft and comprehensive
10% of new AA customers paid just £165 or less for comprehensive cover purchased online.
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Saga Plus comprehensive
Third party only, third party fire and theft and comprehensive
Unlimited European use cover and uninsured driver protection. Discounts for over-50s.
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Churchill Comprehensive
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.
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LV= Comprehensive
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
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Hastings Direct Standard
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
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Admiral Comprehensive
Third party only, third party fire and theft and comprehensive
Courtesy car and windscreen repair included.
Unlimited cover for standard audiovisual equipment.
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Endsleigh Car Insurance
Third Party only, Third Party Fire & Theft and Comprehensive, Student, Young Driver, Blackbox
24-hour windscreen and glass cover, personal accident cover up to £2,000, replacement car and theft cover on selected policies. Tailored policies for younger drivers.
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AXA Car Insurance
Third party only, third party fire and theft and comprehensive
Courtesy car and wrong fuel cover included as standard. You can get up to 15% multi-car discount for additional cars registered at your address.
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More Than car insurance
Third party only, third party fire and theft and comprehensive
Uninsured driver promise.
Breakdown cover included as standard.
Post Office Money Comprehensive
Comprehensive, Third Party Fire and Theft & Third Party only
Post Office car insurance is arranged and administered by BISL Limited and insured by a panel of insurers
M&S Bank
Third Party, Third Party Fire & Theft, Comprehensive
M&S car insurance is arranged and administered by BISL Limited using a panel of insurers. Terms and conditions apply.
Age Co car insurance
Third party only, third party fire and theft and comprehensive
Protected No Claims Discount as standard.
No upper age limit.
Guaranteed courtesy car.
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How to cancel Zego car insurance

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

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

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