How do Zego’s charges work?

Written by Benedict Harrison

Published on

Welcome to our guide to Zego’s insurance charges. Want to know how we charge for our Hire and Reward (H&R) cover?

In this article, we will explain how our pay-as-you-go insurance works and introduce the payment options available for our 30-day and annual policies.


For Deliveroo, Uber Eats and Just Eat:

If you use Zego’s pay-as-you-go scooter or car delivery insurance to cover your work with Deliveroo, Uber Eats or Just Eat, you are charged by the minute with a minimum charge of 1 hour’s cover.

Your insurance session will begin at the point you accept an order on the Deliveroo, Uber Eats or Just Eat app. At the start of each session, one hour of cover is purchased and put in place. This is the minimum amount you will be charged for while you are working.

At the end of the hour, the Zego app will check back to see if you are still working.

If you are no longer on deliveries, your delivery cover with Zego will stop automatically. Your current insurance session will end, and the Zego app will deduct the cost from your balance.

If you are still on deliveries, your delivery cover with Zego will continue. You’ll be charged per minute, until you finish a delivery and more than 10 minutes pass before you pick up the next one. Once you finish your deliveries, your cover will stop and the Zego app will deduct the cost from your balance.

It is important to note that when a new insurance session starts, you will always be charged a minimum of one hour’s cover.

For other companies, the exact way we charge can vary. Your company will tell us the hours that you are working. They inform us of the start and end time of your shift, and you will be charged accordingly.


Our 30-day policies, which are available for scooter and car delivery or private hire drivers, are charged as one upfront payment. Because these are short-term policies, there aren’t any refunds if the policy is cancelled.

A handy feature of our 30-day policies is our subscription feature. If you set up a subscription with Zego, your next policy will begin as soon as your current one ends. This way, you can get continuous cover that lasts for as long as you need it.


When purchasing annual policies with Zego, which are currently available for scooter delivery riders and private hire drivers, we offer you the choice of how you would like to pay.

You can choose to pay for your cover as one upfront fee, or you can spread the cost of your insurance over a series of monthly payments.

Our product range is designed to offer you fully flexible insurance that works around you. Switch between policies with ease to match any changes in your working hours. We won’t even charge you any admin fees.

If you have any further questions about how we charge for our insurance, or if you have questions about any charges on your Zego account, please get in touch with our friendly Customer Service team. You can contact us by calling 020 3308 9800. We’re available 7 days a week and we’ll be happy to help.