Fairer Private Hire insurance, driven by you

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Traditional insurance doesn’t make sense

Everyone pays more when there are more claims, regardless of who they are or how they drive. Good drivers pay for bad drivers. That’s just not fair.

So we’re changing it - with Sense.

Our Sense app, designed to save you money

Driven by you

With Sense, you share data on how you drive so we can tailor your price at renewal. You just need to download the Sense app, turn on permissions and we’ll do the rest.

If you drive well, you pay less

It’s that simple. The better you drive, the less you’ll have to pay at renewal.

Technology that’s on your side

Sense monitors your driving over time and understands that we all make the occasional mistake. It’s designed to smooth out the odd sharp corner or harsh brake to give you a fair, driver score.

What can I do with a Zego Private Hire policy?

Our Private Hire insurance covers you for the following:

Private Hire

Private Hire


You can work as a Private Hire driver and transport passengers. We cover drivers who work with any company.

Hire & Reward

Hire & Reward


You can work as a delivery driver, and deliver parcels and food. This doesn’t cover the goods being delivered.

Social, Domestic & Pleasure

Social, Domestic & Pleasure

You can drive your car when you're not working, using your vehicle for everyday trips and journeys.

Get a quote in minutes

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How long can a policy last?

30 Days

30 Days

Perfect for if you want cover for your work and free time, without any long-term commitment.

Paid in a single payment.

Annual (12 months)

Annual (12 months)

Perfect if you want a long-term policy to cover your work
and free time that’s cost effective.

Option to pay in a single payment or 9 monthly installments.

What level of cover can I get?

We offer Third Party Only and Fully Comprehensive.

If you have an accident, Third Party Only would cover the repair or replacement of the other vehicle, but not yours. Fully Comprehensive would cover both.

Third Party Only

Fully Comprehensive

Personal driving, private hire work, and food/parcel delivery


Costs for causing damage to other vehicles or property up to £5m


Your legal liability for causing death or injury to other people


Public Liability cover up to £5m


Loss, damage or theft of your vehicle and it’s spare parts


Windscreen (excess £50)


Audio, communication, and navigation equipment (excess £500)

Extra protection to keep you on the road

We know that keeping you moving is really important.
We offer extra protection so you can get the cover you need.t

Breakdown cover

Breakdown cover

Combined roadside, recovery and
home cover within the UK.

£ 40

with annual

£ 8

with 30 day

Replacement vehicle

Replacement vehicle

Get a replacement car – licensed for private hire work – while yours is being repaired.

£ 53

with annual

£ 9.30

with 30 day

NCD protection

NCD protection

Protect your no-claims years for a maximum of one at-fault claim.

7%

of the price of your premium

Is a Zego Private Hire policy for me?

  • You have a private hire licence

  • You live and work in England, Scotland, or Wales

  • You have a full UK driving licence

  • Your vehicle has 9 seats or fewer (including the driver’s seat)

  • You are aged 21 - 75

  • You’ve had no more than 3 at-fault claims and/or more than 4 non-fault claims in the last 3 years

Discover more about Sense

How do we calculate your driver score?

Read more

How to improve your driver score

Read more

How to download Sense & enable permissions

Read more