How does pay-as-you-go delivery insurance work?
Written by Benedict Harrison
Our guide to how pay-as-you-go delivery insurance works and how we calculate the cost of your cover.
At Zego, we offer a range of policies designed to suit you, however you choose to work. If you’re a part-time delivery driver, or you’re just trying out delivery work, our pay-as-you-go Hire & Reward (H&R) insurance can help you save money on the cost of your cover.
Recently, we had some questions from our customers about how our pay-as-you-go insurance works and how we charge for our flexible cover. In this post, we’ll explain how our 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?
In short, if you use Zego’s pay-as-you-go scooter or car delivery insurance to work with Deliveroo, Uber Eats or Just Eat, your cover is charged by the minute with a minimum of 1 hour’s cover.
To explore our charges in a little more detail, your cover begins when you accept a job with any of the companies mentioned above. Exactly 1 hour after your first job begins, we will check to see if you’re still making deliveries.
If you are no longer delivering, your cover with Zego will stop automatically. We will end your current insurance session and the Zego app will deduct the cost from your balance.
If you’re still delivering, we’ll switch to per minute charging until you’ve finished. You’ll be charged per minute, until you finish a delivery and more than 10 minutes pass before you pick up the next one. After you finish your deliveries, your cover will stop and the Zego app will deduct the cost from your balance.
Whenever you start a new insurance session, you will always be charged for a minimum of 1 hour’s cover.
What happens if accept jobs from different companies?
If you accept jobs on any of Deliveroo, Uber Eats or Just Eat, you will be charged exactly as we have described above. You won’t be charged more than once for working with different companies.
What happens if you work for a different company?
For all other companies, the way that we charge for our pay-as-you-go delivery insurance will vary. Your company will inform us of the hours that you have been on deliveries and we will deduct the charges from your Zego balance accordingly.
What should you do if you have questions about your charges?
Our team is available 7 days a week by email and over the phone. We’re always happy to help with any questions you may have about your charges. However, before you get in touch with us, it’s always worth looking back through your shift history on your Zego app. You can see a record of all your previous shifts and how much you have been charged, so you can check that you have been charged as expected.
Is pay-as-you-go insurance legal?
Top up insurance, like Zego’s pay-as-you-go delivery cover, is recognised by the motor insurance authority and is 100% legal. To find out more, you can read this article.
If you’re new to Zego and you’d like to get started with a quote, you can fill in your details using the form below. It’s quick and easy to sign up for our delivery insurance, but please get in touch if there’s anything we can do to help.