Sense, telematics car insurance that rewards good driving.

Good drivers get better prices with Sense telematics insurance. Get covered online in minutes and let your driving do the rest.

  • App-based telematics insurance – no black box needed

  • Renewal price based on how you drive

  • Manage everything in the Sense app

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Zego Sense app screens showing driver score and insights
Telematics driver rating image

What Is Telematics Insurance?

Telematics insurance is a type of car insurance in which your renewal price is based on how you actually drive, rather than assumptions about your age, job, or postcode. By using an app or small device to monitor things like speed, braking, and cornering, safe drivers can benefit from lower premiums and better renewal prices. A smarter, fairer way to insure your car.

It’s great for anyone who wants more control over their insurance costs. Telematics also helps improve driving habits through feedback and scoring, encouraging safer, smoother driving over time.

With modern app-based telematics, there’s no intrusive black box and no guesswork, just clear insight into how your driving affects your price. If you’re a confident, careful driver, telematics insurance is one of the most effective ways to avoid overpaying for cover.

Insurance that moves with you. It starts with Sense.

Zego Sense screens showing driver rating and insights
Pick a Sense policy, our app-based telematics car insurance. Drive well, and you’ll get a renewal quote that reflects it.

Simple as that.

1. Download the Sense app

To get started, download the Sense app to your smartphone and activate your policy. It only takes a minute.

2. Start driving

Once you're set up, Sense starts tracking your driving to build a picture of how you drive each day – and gives you a driver rating.

3. Unlock our best price at renewal

The higher your driver rating, the better your chances of being rewarded at renewal.
Zego's telematic insurance app called Sense

Is telematics car insurance right for me?

With the Sense app, your renewal price is based on how you actually drive – not just who you are.

  • Telematics insurance could lower your premium. It focuses on how you drive – not just how long you’ve held your licence.

  • Telematics works well for low-mileage drivers too. If you don’t drive much, your premium reflects that.

  • Safe drivers benefit most. Smooth braking, steady speeds and smart cornering all help bring your renewal down.

What’s Included in Your Sense Telematics Policy

We currently offer fully comprehensive annual cover for drivers aged 25–60, giving you (and your loved ones!) peace of mind while you’re on the road.

Our cover includes:
  • Everyday driving and commuting to a single place of work or study (SD&P)
  • Personal accident cover up to £5,000
  • Key and lock cover up to £500
  • 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)
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Why Sense is the right choice

With Sense, your driving does the talking. Safer habits mean better prices – simple.

  • 100% app-based telematics policy – no black box needed

  • Renewal price based on how you drive, not just your age or job title

  • Real-time driving insights sent straight to your phone

  • Full policy control, all in the Sense app

Why Drivers Trust Zego

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81m

policies sold
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575k

drivers have chosen us
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96%

Sense drivers save money

Is Sense right for you?

Before you get Sense is designed for safe and confident drivers. Before you get started, check if you tick the boxes below.
  • I'm 25–60 years old
  • I live in the UK
  • I have no previous claims or motoring convictions
  • I hold a full or provisional UK driver’s licence
  • My car is valued at less than £30,000

Trusted by 100,000’s of UK drivers

Join the good driving revolution. Get a quote to see how much you could save.
Get a quote

Read About Telematics Insurance

Learn all about telematics car insurance with our useful guides.
  • is telematics insurance cheaper guide

    Is Telematics Insurance Cheaper?

    Here we explain if telematics insurance can really save you money vs regular car insurance.
  • telematics vs black box

    What’s the Difference Between Telematics and Black Box Insurance?

    Is telematics just the same as black box? Lets find out...
  • How to improve your driver rating

    How to improve your driver rating

    Find out how Zego really calculates your driver rating which can affect your renewal premium.

Sense telematics insurance FAQs

“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