SENSE TELEMATICS TAXI INSURANCE
Drive well, pay less
Save 17% upfront with a Sense policy. Then drive well to unlock our best prices at renewal.
- App-based telematics insurance — no black box needed
- Drive safely and earn a discount when you renew
- Manage everything in the app
What is Sense?
Sense our app-based telematics insurance.
Unlike standard policies, Sense is priced on how you drive, and uses sensors on your smartphone to measure your driving behaviours. Drive safely and get access to personalised quotes at renewal.
Sense is currently available with our personal car, private hire and van insurance for business or personal use policies.
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.
How does it work?
To use our app-based telematics policy, Sense, you’ll need to have the Sense app installed on your smartphone. The app uses your phone’s built-in sensors to monitor how you drive, and gives you a driver rating based on your performance.
Your driver rating is always changing
As your phone sends driving data to us at different times (not immediately after each trip), you might notice your driver rating changes when you haven't been driving recently. We also use data from a longer time period than just your recent trips to more accurately reflect how you drive.
This means your driver rating is always updating. It's designed to show both you and us how your driving is improving over time.
Why we need your app permissions
To get the most out of your policy, we need a few permissions. Setting your location to ‘Always Allow’ lets us know when journeys start and end, so you’re covered at the right times.
Motion access helps us understand how you drive, so we can give you a fair, accurate driver rating.
With background app refresh on, your driver rating stays up to date to give you an accurate reading.
We classify your trips
Our app is great at recognising when you're driving and when you're a passenger or on a bus or train, though it may not catch every instance perfectly.
However, as long as you drive regularly, we can still accurately track your real driving and give you a reliable driver rating.
Get going to see your driver rating
Before you can get a driver rating, you’ll need to complete at least five trips and 65 miles (100km). That’s because we need a certain amount of driving data before we can calculate your driver rating.
Trusted by 100,000’s of UK drivers
Join the good driving revolution. Get a quote to see how much you could save.
What our customers say
It was a great experience, very smooth and easy. It was a pleasure to be assisted by professionals. I highly recommend Zego.
Ovidiu Ali Boarta
This app has excellent service and is also very helpful. The price is a reasonable amount too! Overall, I really like this app.
Mr S Islam
Great to know how driving carefully rewards you with lower premiums. This is the way forward!
Muhammed
Why we’re the right choice
81m
policies sold
575k
drivers have chosen us
96%
of Sense drivers save money
Frequently asked questions
The Sense app is available for everyone to download (and it’s totally free). Right now, only the primary drivers of a Zego personal car, private hire or van insurance for business use or personal use policy can use Sense.
Only once you’ve taken out a Sense policy.
We’ll prompt you to download the app via email, or you can download it directly from the Apple or Google Play app stores on your phone - just search for ‘Zego Sense’.
Once you’ve downloaded the app, open it up and enter your email address to request a login link. That’ll log you into the app, and we’ll automatically link it to your Zego policy.
Your Sense driver rating is calculated using five key factors:
- Acceleration – Smooth acceleration is a sign of control. Rapid or harsh acceleration can reduce your driver rating and make driving less safe.
- Braking – Gentle, planned braking helps you stay in control. Sudden braking suggests poor anticipation or late reactions, and that can impact your driver rating.
- Cornering – Taking corners steadily helps maintain grip and control. Sharp or fast cornering increases the risk of skidding or losing control, which is reflected in your driver rating.
- Speeding – Staying within speed limits shows good judgement and awareness. Driving at safe speeds, especially in lower-limit areas, helps keep your driver rating high.
- Rest – Driving while rested is essential. Tired drivers are slower to react, so regular breaks and good rest habits play a key part in keeping your driver rating up.
These five factors work together to give you a clear view of how safely you're driving, and where you could improve.
To generate your initial driver rating, you’ll need to complete at least five trips and cover a minimum of 65 miles. This only needs to be done once, when you first start using Sense.
If your driving improves, your premium can too; on 30-day policies, your price could change each month, and on annual policies, it’ll update at renewal.
Want to learn more and improve your driver rating? Check out our Safe Driving Behaviours Coaching Guide for simple, actionable tips.
Sense is designed to reward better driving. Whether you're on an annual or 30-day policy, earn an Excellent driver rating, and you could get a discount off your renewal price.
We'll let you know how much you've saved in your renewal email.
Please note: your Sense saving is based on the renewal price without the discount. It doesn’t compare against your current or previous policy.
We already use advanced tech to assess your driving, and we’re able to tell when you’re driving versus being a passenger.
But if you weren’t behind the wheel, you can tell the app whether you were the driver or a passenger for each trip. This extra detail helps us keep your trips organised.
The Sense app uses your phone’s motion and location sensors to understand how you drive. It tracks things like harsh braking, quick acceleration and sharp cornering. This data is then used to calculate your driver rating.
We take data privacy seriously. Your information is kept secure and is only ever used to build your driver rating – nothing else.
If we can’t access your driving data, or if your app permissions aren’t set up correctly, it could affect your premium. In some cases, it may even result in your policy being cancelled.
If you need any help setting permissions in the app, check out our step-by-step guide here.
No. We know you need your phone for work, so we’ve designed the Sense app to work in the background and use less of your phone’s battery power.
The Sense app activates automatically whenever it detects that you’re travelling in a vehicle.
So you might see a message saying it’s working in the background, even if you’re on a train or riding in someone else’s car.
Don’t worry, though. If you weren’t the one driving, we’ll remove trips we believe weren’t yours.
No, your phone needs to have certain sensors (like an accelerometer, compass and gyroscope) for us to measure your driving and give you a score. You can check this list to see if your phone is compatible with Sense.
Not at all. Sense is an app that you install on your smartphone. Simply sign up for a Sense policy, download the Sense app and start driving.
“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 Score, between 01/06/2025 and 01/08/2025