Zego insurance is a UK-based motor insurer specialising in flexible cover for delivery drivers, couriers and gig economy workers. Designed to support food delivery and parcel services, it offers pay-as-you-go and annual policies tailored to modern driving patterns.
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What Is Zego insurance and How Does It Work?
Zego insurance provides flexible motor insurance for UK drivers who work in food delivery, courier services or private hire. Policies can be purchased hourly, daily or annually, allowing drivers to pay only for the cover they need while remaining compliant with UK road traffic law.
Unlike traditional insurers focused on standard commuting or social use, Zego insurance was built around app-based work platforms. Drivers can activate cover through a mobile app when starting delivery shifts and deactivate it when finished.
This model particularly benefits:
- Food delivery riders
- Parcel couriers
- Ride-hailing drivers
- Part-time gig workers
Is Zego insurance FCA Regulated?
Yes, Zego insurance operates under Financial Conduct Authority regulation in the United Kingdom. FCA authorisation ensures compliance with:
- Consumer Duty requirements
- Clear policy documentation
- Structured complaints handling
- Access to the Financial Ombudsman Service
Drivers should always verify regulatory status on the FCA register before purchasing any motor policy.
Types of Cover Offered by Zego insurance
Zego insurance offers different policy structures depending on driver needs and working arrangements.
Pay-As-You-Go (Top-Up) Cover
This option is designed for drivers who already have a standard social, domestic and pleasure motor policy. The top-up activates only during delivery work, bridging the gap between personal and commercial use.
Annual Hire and Reward Policies
For full-time drivers, annual hire and reward insurance provides continuous protection for delivery activities. This may be more cost-effective for those working daily.
Private Hire Insurance
In selected regions, cover extends to private hire drivers operating under local authority licensing rules.
Each option includes at least the legal minimum third-party liability required under UK road traffic legislation.
How Much Does Zego insurance Cost?
Premiums vary based on:
- Driver age and experience
- Vehicle type and value
- Location and postcode risk
- Claims history
- Level of cover selected
Hourly pay-as-you-go cover may start from a few pounds per hour, while annual policies can range from several hundred to over £2,000 depending on risk profile. Urban areas with higher accident rates typically attract higher premiums.
Drivers should assess whether hourly flexibility or annual stability provides better long-term £ value.
Advantages of Zego insurance for Gig Workers
- Flexible activation: Pay only when working
- App-based management: Easy policy control
- Designed for delivery platforms: Suitable for major UK gig services
- FCA-regulated framework: Strong consumer protection standards
This flexibility distinguishes Zego insurance from conventional insurers that may exclude hire and reward use entirely.
Important Considerations Before Buying
Before purchasing Zego insurance, review policy documents carefully to understand exclusions and excess amounts.
Existing Policy Compatibility
If using pay-as-you-go top-up cover, confirm that your underlying motor insurer permits dual insurance arrangements. Some providers restrict this structure.
Excess Levels
Motor excess amounts can be substantial, especially for younger drivers. Always balance premium savings against potential claim contributions.
No-Claims Bonus Impact
Check how claims affect your no-claims discount, particularly if holding separate underlying policies.
Claims Process and Support
In the event of an accident, drivers must notify Zego insurance promptly through the designated claims channel. Documentation typically required includes:
- Photographic evidence
- Third-party details
- Police reference number if applicable
- Vehicle repair estimates
Timely reporting improves the likelihood of efficient claim resolution.
Is Zego insurance Right for You?
Zego insurance is particularly suitable for UK drivers engaged in food delivery or courier work who require flexible hire and reward cover. Its app-based structure supports modern gig economy models while maintaining FCA regulatory oversight.
For part-time or full-time delivery professionals, Zego insurance provides a compliant and adaptable solution tailored to UK road and employment realities. Carefully comparing policy type, £ cost and working patterns ensures the cover aligns with your income model and legal obligations.