Insurers use lots of different things to work out the cost of your motor insurance.
From your age and where you live, to the vehicle you own and how you use it, insurance companies use these factors and more to build a picture of how likely you are to make a claim.
Let’s take a closer look at how we work out the cost of your Zego policy.
Pay-as-you-go insurance
If you deliver food or parcels using your car, scooter, or moped, our Pay-as-you-go insurance (PAYG) cover lets you pay only for the time you’re actually working. It’s designed specifically for delivery drivers and riders who want flexibility whether you work part-time, full-time, or around other commitments.
Before we give you a price, we’ll need a few details to build a picture of your risk profile:
- Your age and address.
- The type of vehicle you use for deliveries.
- Your driving history, including any previous claims or convictions.
- Your no-claims discount (NCD), if you have one.
- Where you keep your vehicle when you’re not using it.
In general, the more powerful or valuable your vehicle, the more you’ll pay to insure it. Having a few past claims or penalty points on your licence can also increase your price.
If you’re a young or inexperienced driver, your premium will likely be higher at least until you’ve built up a stronger driving history and no-claims record.
And if you live in an area with higher rates of vehicle crime, or your vehicle is parked overnight in an unsecured location, that can raise your premium too.
It’s all about risk. The higher the likelihood of a claim, the higher the cost of insurance. But by understanding what affects your price, you can take steps to reduce your costs over time.
Delivery PAYG Prices
To give you an idea of what our customers have paid recently:
- Car PAYG prices up to £3.29 per hour
- Scooter PAYG prices up to £0.77 per hour
⚠️ Important: 10% of customers paid this or less in the six months prior to 23 July 2025. Actual prices vary depending on driver profile, vehicle type, and location.
Private Hire Insurance (Zego Sense)
If you’re a private hire driver working with apps like Uber, Bolt, or FreeNow, Zego’s Private Hire insurance is built to suit your schedule — whether you work full-time or just a few days a week.
Our private hire policies use Zego Sense, our app-based technology that measures how safely you drive and rewards you with fairer renewal prices. Sense uses the sensors in your smartphone to track acceleration, braking, and other driving behaviours, helping us build a picture of your driving style over time.
Before we calculate your price, we’ll need a few key details:
- Your age, address, and where you park your vehicle.
- The type of car you use for private hire work.
- Your driving history, including any claims or penalty points.
- Your no-claims discount (NCD), if you have one.
- How many hours or days you typically drive each week.
As with all insurance, your price reflects your level of risk. New or younger drivers, or those with previous claims, may pay more. Drivers with good records and safe driving habits can often access lower renewal rates through Zego Sense.
Private Hire Prices
To give you an idea of what our customers have paid recently:
- Annual policies from £1,977.90
- 30-Day policies from £169.59
⚠️ Important: 10% of customers paid this or less in the six months prior to 23 July 2025. Actual prices vary depending on driver profile, vehicle, location, and driving history.
Van Insurance (Business, Personal & Courier)
Whether you’re a tradesperson, courier, or small business owner, your van is essential to what you do and your insurance should reflect that.
Zego’s business van insurance gives you the flexibility to choose the right cover for your work and driving habits. We offer options for business use, personal use (social, domestic and pleasure), and courier work.
Before we can calculate your price, we’ll need some key details about you and your vehicle:
- Your age, address, and where you park your van overnight.
- The type of van you drive — including make, model, and engine size.
- How you use your van (e.g. carrying tools, goods, or personal use only).
- Your driving history, including any previous claims or convictions.
- Your no-claims discount (NCD), if applicable.
As with all insurance, your premium reflects your level of risk.
If you use your van for commercial deliveries or carry valuable equipment, you may pay more than someone using theirs for personal or light business use. Factors like mileage, trade type, and postcode can all affect the final price.
Van Insurance Prices
To give you an idea of what our customers have paid recently:
- Business Van Combo Annual prices from £360.23
- Personal Van Combo Annual prices from £318.60
- Van Courier Combo Annual prices from £1,120.75
⚠️ Important:
10% of customers paid these prices or less in the six months prior to 21 October 2025 (Business and Personal policies), and in the six months prior to 23 July 2025 (Courier policies).
Actual prices vary depending on trade, mileage, vehicle type, and region.
Personal Car Insurance (Social, Domestic & Pleasure)
Zego’s Personal Car insurance also known as Social, Domestic and Pleasure (SDP) cover is designed for everyday drivers who use their car for personal journeys rather than work.
Whether you’re a learner, a new driver, or have years of SDP car insurance experience behind the wheel, our new SDP cover gives you a fair and flexible price that reflects how you actually drive.
This policy is powered by Zego's telematics insurance -based app called sense that measures your driving behaviour to give you a fairer renewal quote. Sense uses your smartphone’s sensors to track factors like acceleration, braking, and cornering, helping us build a clear picture of how safely you drive. The better your driving score, the more you could save when it’s time to renew.
Currently, our Personal Car insurance is available as an annual policy only giving drivers consistent cover and the chance to build their no-claims history across a full year.
Before we can provide your quote, we’ll ask for a few details about:
- Your age, address, and where your car is parked overnight.
- The make, model, and engine size of your vehicle.
- Your driving history and any previous claims or penalty points.
- Your level of experience — from learners to long-time licence holders.
As with all insurance, your premium depends on your personal risk profile. Younger or newly qualified drivers typically pay more initially, while experienced drivers with clean records can often access lower prices over time — especially when paired with a strong Sense driving score.
Personal Car Insurance Prices
To give you an idea of what our customers have paid recently:
- Personal Car Annual prices from £578.51
⚠️ Important: 10% of customers paid this or less in the six months prior to 21 October 2025. Actual prices vary depending on driver experience, location, and vehicle type.
Annual and monthly policies
When working out the cost of your monthly or annual insurance, we use similar risk factors to those shown above.
However, there are a few key differences that determine how much you’ll pay for a fixed-length policy.
Annual policies usually work out cheaper
Over the course of a year, you’re likely to save more on your insurance by paying by the year rather than by the month.
That’s because paying monthly is a bit like getting a loan from your insurance company. You’re basically spreading the annual cost of your policy over 12 months.
This “loan” often comes with interest and service charges, which get added to the cost of your policy. By paying your insurance upfront for the year, you can avoid these charges, helping to reduce the overall cost of your insurance over time.
You can learn more about annual vs monthly policies on our blog.
The level of cover matters
For most of our policies, we offer 2 levels of cover: Third Party Only and Fully Comprehensive.
Third Party Only is the minimum legal requirement in the UK. If you’re involved in an accident, it covers damage to other people and their property. But, it doesn't cover you or your vehicle.
Fully Comprehensive is the highest level of cover we offer. It provides all the protection of our Third Party insurance, plus it protects you and your vehicle. It gives you complete cover and peace of mind when out on the road.
As Fully Comprehensive offers more protection, it generally costs more to buy.
It’s worth noting here that, even though it may be tempting to choose Third Party insurance to lower your price, it can leave you without enough protection in the event of a crash. This means you’d have to pay for some of the costs, fees or repairs out of your own pocket.
Before making a decision, be sure to spend some time considering the type of driving you do, and how much protection you’d need if the worst was to happen.
Zego Sense policies
If you’re a personal car, private hire or van driver, you could save more with a Zego Sense policy.
Sense is our app-based telematics car insurance that rewards you when you drive well. It uses telematics a type of technology that measures how your vehicle moves while on the road to build a picture of how you drive.
Using the sensors in your smartphone, it’s able to detect things like how fast you accelerate and how harshly you brake, plus other factors like where and when you drive. Then, it builds a profile of your average driving habits over time to give you a driver rating.
The higher your driver rating, the lower your price when you come to renew.
So, if you’re a good driver, you can get a much fairer price for your insurance.