CAR INSURANCE
Car insurance you control
Comprehensive car insurance for personal driving.
Our app-based telematics, Sense, gives you a personalised quote at renewal
No need to install anything – simply download the Sense app!
Designed to help new drivers secure the best possible policy
What is Zego car insurance?
Zego's car insurance is Social, Domestic & Pleasure (SD&P) cover designed for people who use their vehicles for personal purposes, such as shopping, visiting friends and family, or leisure activities. It excludes any business or professional use of the car.
Car Insurance for good drivers
Our car insurance is designed specifically for new drivers. Instead of paying high prices based on average data, the price you pay is based on how you drive. That means you get a fairer price for your policy.
Drive safely and you could pay less sooner than you would by building your no claims discount.
Drive safely and you could pay less sooner than you would by building your no claims discount.
Zego's app-based telematics insurance
Zego’s app-based telematics insurance, called Sense, is all about rewarding good driving. Instead of a one-size-fits-all price, Sense tailors your premium based on how smoothly and safely you drive – looking at things like acceleration, braking, speed, cornering and rest. This is all measured through your smartphone’s sensors.
Sense is currently available for drivers on our car insurance.
Sense is currently available for drivers on our car insurance.
How Zego's telematics works
With Zego Sense, there is no physical black box required.Your driving data is collected through your smartphone
The app monitors your driving over time using sensors
Your driver rating reflects your habits
Higher driver ratings earns you a personalised renewal quote
Easy and quick to download
Why choose Zego Sense?
Zego Sense gives you a bespoke renewal premium based on how well you drive.Price based on your personal driving habits
Monitor your driving in real time via the app
Tailored policies designed just for you
Access flexible policies at the touch of your phone
No need to install a black box!
How to get started
Signing up couldn’t be easier, simply secure your quote and download the app!Get a quote online and choose the type of cover you want
Pick a Sense policy
Download the app and switch on permissions
The app measures how well you drive over time
This will influence your renewal
Is telematics car insurance right for me?
The main advantage of telematics also known as 'black box insurance' is it's personal pricing based approach. Premiums are based on real driving data as opposed to generalised assumptions.
Sense recognises safe driving by rewarding responsible drivers, regardless of their age or experience.
Sense recognises safe driving by rewarding responsible drivers, regardless of their age or experience.
Young drivers often face higher premiums due to inexperience. Telematics tracks driving habits and rewards safe driving no matter what your age.
Telematics policies can also offer lower premiums for low-mileage drivers who don’t drive much, as insurance costs are partially based on mileage and usage.
Safe drivers can benefit from premiums that take into account good driving habits like smooth braking and cornering.
How does a telematics device or black box work?
Whether you use app-based telematics like Sense or a physical black box, both are designed to monitor your driving behaviour.
With app-based telematics, your smartphone’s sensors track key driving factors like speed, braking, acceleration, cornering and rest. Alternatively, a physical black box installs directly into your car.
Choose an app-based telematics policy today with Sense to enjoy personalised insurance rates, real-time feedback, and the peace of mind that comes with knowing you're paying only for the coverage you need.
With app-based telematics, your smartphone’s sensors track key driving factors like speed, braking, acceleration, cornering and rest. Alternatively, a physical black box installs directly into your car.
Choose an app-based telematics policy today with Sense to enjoy personalised insurance rates, real-time feedback, and the peace of mind that comes with knowing you're paying only for the coverage you need.
Your driver rating
Measures how well you’re driving
Your driver rating is a reflection of how safely you drive. Based on factors like speeding, braking, cornering, acceleration and rest, this driver rating helps determine your premium.Driving habits
Adopt safe skills
Harsh braking, rapid acceleration, and speeding can lead to a bad driving rating. Poor driving habits not only increase your risk on the road, but can also raise your insurance premiums.Cornering, speed & braking
Maintain control
Fast cornering, excessive speeding, and harsh braking can all negatively affect your driver rating. Smooth driving leads to better safety.Reviewing your journeys
Assess your performance
With Sense, you can review each journey and get insights into your driving habits. Check your driver rating regularly to spot areas for improvement.
What insurance do new drivers need?
As a new driver using your car for everyday personal driving, you’ll need social, domestic and pleasure insurance (also known as SDP).
This type of insurance protects you and other road users if you’re involved in an accident. Our car insurance is fully comprehensive — this means you get all the cover you need to start driving.
This type of insurance protects you and other road users if you’re involved in an accident. Our car insurance is fully comprehensive — this means you get all the cover you need to start driving.
What are the different types of car insurance?
Comprehensive Car Insurance
Comprehensive car insurance offers the highest level of protection. It covers damage to your own vehicle and others’ in an accident, as well as incidents involving fire, theft, and vandalism.
Additional benefits often include windscreen repair or replacement, coverage for personal belongings, and reimbursement for medical expenses. This is the most inclusive and recommended option for drivers looking for peace of mind.Third Party, Fire, and Theft Car Insurance
This level of car insurance provides a middle ground between comprehensive and third party only coverage. It protects you against damage caused to other people’s property or injuries to others.
Additionally, it covers your own vehicle if it is stolen or damaged by fire. While it does not include broader protections like comprehensive insurance, it is a cost-effective option for drivers who want more than the minimum legal coverage.Third Party Only Car Insurance
Third party only car insurance is the minimum level of coverage required by law. It includes compensation for damage to other people’s vehicles or property and injuries to others.
However, it does not cover your own vehicle in the event of an accident or other damage. This type of insurance is typically the cheapest but offers the least protection.
What types of car insurance do we provide?
New Driver Car Insurance
Our new driver insurance covers personal driving, like visiting friends, shopping or commuting to work.
We offer fully comprehensive insurance — this type of insurance protects you and other road users if you’re involved in an accident.Van Insurance for Personal Use
Our personal van insurance covers you and your van for everyday driving.
It protects you for personal journeys, including weekends away and shopping trips. It doesn’t cover you for work or business use, or commuting to and from work.
What affects the cost of car insurance?
Your age
New and young drivers tend to pay the most for their insurance. That’s because, statistically, these drivers are more likely to be involved in an accident.Your driving history
As a new driver, it’ll take a few years to build your No Claims Discount. Until then, you’re likely to pay more for your cover. Also, if you receive any motoring convictions, your insurance costs could go up even more.Your car
Cars that are more powerful and more expensive to buy or repair usually cost more to insure. Also, if your car has been modified, it can also drive up the cost of your cover.
Where you live
If you live in an area with a high rate of vehicle theft or vandalism, the cost of your insurance could go up, too. That’s because the risk of your car being stolen or damaged is higher.
How to pay less for car insurance as a new driver
Looking for a cheaper car insurance policy? Check out these tips for new drivers:
Choose the right car
The car you drive can make a big difference to your insurance costs.
Insurers typically work out the price of your policy using insurance groups, ranging from 1 to 50. Vehicles that are more powerful and expensive to repair or replace tend to fall into a higher group, which means a higher cost to insure.
By choosing a modestly priced vehicle, with a smaller engine and good range of security features, you can help to lower your insurance risk, and the cost of your cover.Choose a telematics policy
Telematics is a type of technology that measures how well you drive. By driving safely, you can prove to your insurer that you’re a good driver.
For new drivers, it’s a clever way to start paying less for car insurance sooner, especially while you build your no claims discount.
Zego Sense is our telematics policy. Unlike similar policies, you don’t need to install a black box device in your car, everything is done through our easy-to-use app. Simply buy your policy, download the app and start driving. Easy!
Here’s what you get with our car insurance
- Legal cover up to £100,000 to help with motoring-related disputes, personal injury claims, and more
- Personal accident cover up to £5,000
- Key and lock cover up to £500
- Cover for the loss, damage or theft of your vehicle and its spare parts
- Personal belongings cover up to £300
- Audio, communication and navigation equipment cover up to £500
- Costs for causing damage to other vehicles or property up to £5m
- Windscreen cover (£25 excess for repairs or £150 for replacement)
- Courtesy vehicle while yours is being repaired (with an approved repairer)
Upgrade your personal car cover with these extras
Breakdown cover
Combined roadside, recovery and home cover within the UK.£34.99
CAR TELEMATICS INSURANCE
Insurance that moves with you. It starts with Sense.
Pick a Sense policy – our app-based telematics insurance. Drive well, and you’ll get a renewal quote that reflects it. Simple as that.
100% app-based telematics policy – no black box needed
Premiums based on how you drive, not just your age or job title
Get real-time driving insights sent straight to your smartphone
Manage your policy anytime in the Sense app
What do I need to get a quote?
- You’re 25–60 years old
- You live in the UK
- You have no previous claims or motoring convictions
- You hold a full UK driver’s licence
- Your car is valued at less than £30,000
- You agree to download and activate our Sense app on your phone
How do we calculate your car insurance price?
The Sense app measures how well you drive over time. It uses your smartphone’s sensors to pick up on things like acceleration, braking and cornering, then uses clever calculations to give you a driver rating.
A higher driver rating means a lower price when you renew. So, by driving safely, you could pay less for your cover. It’s car insurance for good drivers.
A higher driver rating means a lower price when you renew. So, by driving safely, you could pay less for your cover. It’s car insurance for good drivers.
Why we're the right choice
81m
policies sold to date
575k
drivers have chosen us
96%
Sense drivers save money
Frequently asked questions
Trusted by 100,000’s of UK drivers
Join the good driving revolution. Get a quote to see how much you could save.
Share Zego, pocket rewards.
Get up to £50 for you and them.
Know someone who needs delivery insurance? Send them your referral link.
If they join with an annual policy, you both get £50, or £10 with a 30-day one.
The more friends you refer, the more you earn.
If they join with an annual policy, you both get £50, or £10 with a 30-day one.
The more friends you refer, the more you earn.
“81 million...” – Based on the total number of policies sold by Zego as of 23/07/25
“575K drivers...” – Based on the number of fixed policies sold by Zego as of 23/07/25
“96%..” – Based on Zego customers who have been insured on Sense policies and have a driver rating, between 01/06/2025 and 01/08/2025