How does pay-as-you-go delivery insurance work?

Written by Zego

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We offer a range of policies designed to suit the way you work.

If you’re a delivery driver, our pay-as-you-go hire and reward (H&R) delivery insurance can help you save money on the cost of your cover.

Here’s how our flexible delivery insurance works, how we calculate the cost and what you can do to make sure you’re getting the most out of your cover.

How do we calculate the cost of your insurance?

With our pay-as-you-go delivery insurance, your cover is charged by the minute, with a minimum of 1 hour’s cover.

Here’s how it works:

  1. Starting your shift: As soon as you accept a job with any of our delivery partners (like Deliveroo), your cover will start and you’ll be charged for 1 hour (that’s the minimum charge).

  2. When you’re working: 1 hour after you accept your first job, we’ll check to see if you’re still making deliveries. If you’re still delivering, we’ll start charging you by the minute until you’ve finished your shift.

  3. If you’re no longer delivering: We’ll pause your cover automatically, end your current pay-as-you-go insurance session and the Zego Flex app will deduct the cost from your balance.

Don’t forget, there’s a 1 hour minimum charge!

As soon as you start working a shift, your insurance session will begin and you’ll be charged a minimum of 1 hour’s cover (even if you only work for 20 minutes).

This means that you might notice a difference between the length of time you’ve worked with your provider (like Uber Eats or Deliveroo) and the length of time you’ve been covered by Zego.

Here’s an example:

Dan works a 1-hour shift with Uber Eats, plus 2 separate shifts that are each just 30 minutes long. In total, his shifts with Uber Eats add up to 2 hours.

However, because our minimum charge is 1 hour, Dan’s insurance statement shows that he’s been covered for 3 hours — 1 hour for each shift worked (even those shifts that only lasted 30 minutes).

Example showing how our pay-as-you-go insurance works

Frequently asked questions

What if you stop delivering?

Once more than 10 minutes has passed before you pick up the next delivery, your current pay-as-you-go insurance session will end and the Delivery app will deduct the cost from your balance.

When you’re ready to start a new delivery shift, we’ll start a new pay-as-you-go insurance session and you’ll be charged for a minimum of 1 hour’s cover.

After you finish your shift, your cover will end and the Zego app will deduct the cost from your balance.

What happens if you accept jobs from different companies?

If you accept jobs for any of our delivery partners, you’ll be charged the same way we’ve described above. You won’t be charged more than once if you’re working with different companies.

What happens if you work for a different company?

To use our pay-as-you-go Hire & Reward (H&R) delivery insurance you need to work with one of our delivery partners, ranging from food to parcel delivery. If you have a pay-as-you-go policy, you’re only covered with the following work providers:

- Uber Eats

- Deliveroo

- Just Eat

- Stuart

- Gophr

- Ryde

- GoGetters

- Vromo

- DeliveryApp

- Apache Pizza

What if you have questions about your charges?

Head to our Help page where you'll find answers and handy guides about all our policies and insurance products.

If you're still not sure, you can contact our Customer Service team using Live Chat. We’ll be happy to help.

Before you get in touch with us, check out your shift history on your Zego app. You can see a record of all your previous shifts and how much you’ve been charged for each insurance session.

If you’re new to Zego, you can get started with a quote today. It only takes a few minutes.