What is Sense?
It’s our app-based insurance for good drivers. Unlike standard policies, Zego Sense is priced on how you drive. Drive safely and you can pay less when you renew.
Sense is currently available with our private hire and van insurance for business use and for personal use. Here’s how to get started.
1. Buy your policy
Get a quote online and choose the type of cover you need. Remember to select ‘Sense’ at the checkout.
2. Download the app
You'll need the Zego Sense app to use a Sense policy. Simply download the app (check the FAQs for phone compatibility), switch on your permissions and you’ll be ready to go.
3. Drive well, save more
The app measures how you drive over time to give you a score. The higher your score, the less you pay at renewal. Easy!
Policies with Sense
Private hire taxi insurance
For private hire drivers working independently or with platforms like Uber and Bolt.Van insurance for business use
For tradespeople and business owners using a van to carry out work.Van insurance for personal use
Van insurance for personal trips and everyday driving.New driver car insurance
For new drivers using their cars for personal trips and commuting to work.
How does it work?
You need the Sense app installed on your phone to use a Sense policy. That’s because the app uses your smartphone’s sensors to measure how you drive. It picks up on things like your acceleration, cornering and braking, then gives you a driver score to show how well you’re doing. A higher score means better discounts when you renew!
How do we calculate your score?
The Sense app uses location and motion data from your phone’s sensors to build a picture of how you drive.It measures how often certain things happen while you’re driving, like braking harshly or accelerating too quickly.Then, using clever calculations, it turns this data into a score to show how well you drive.Why does your score change even when you don’t drive?
As your driver score is calculated over a long period of time, you might notice that it changes even on days when you don’t drive. Don’t worry, that’s completely normal! We use data from a longer time period to give you a score that more accurately reflects how you drive.This way, you get to see the results of how your driving is improving, sooner. All of this means that your score is constantly changing. It’s designed to show you (and us) how your driving skills are improving throughout your policy, so that you can earn the best discounts at renewal.Why do you need app permissions?
Your app permissions are what make the Sense app work. Without them, we can’t see how well you drive, or give you a discount when you renew your policy.Even though you may have the Sense app installed on your phone, it won’t work properly if your permissions are turned off.That’s why it’s so important to switch them on as soon as you download the app, and keep them on at all times.Why do you get notifications when you’re not driving?
The app begins to work whenever it senses that you’re travelling in a vehicle. So, you might get a message from your device to say that Sense is working in the background, even if you’re on a train or in someone else’s car.That’s completely normal. The app knows when you’re driving and when you’re not. So, only trips that you have actually driven will count towards your score.
What happens with your driving data?
We use your location and motion data to calculate your driver score. And that’s it! Your data is completely safe and secure, and we’ll never sell it or share it with anyone.
Good to know
Start driving to get your score
Before you can get a score, you’ll need to complete at least 5 trips and 62 miles (100KM).That’s because we need a certain amount of driving data before we can calculate your score.Your score is always changing
As your phone sends driving data to us at different times (not immediately after each trip), you might notice the score 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 score is always updating. It's designed to show both you and us how your driving is improving over time.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 score.Don’t forget to check that your phone is compatible with Sense before you get started (read our FAQs below for more).Keep your permissions on
You need to keep the app installed on your phone, and your app permissions on at all times.Without these, we can’t see how well you drive, so you’ll end up paying more for your insurance (and you could even lose your policy).
How do I activate the Zego Sense app?
Downloading and activating the Zego Sense app is really easy.
First, head to your phone’s app store, search ‘Zego Sense’ and hit download (make sure you’ve taken out a Sense policy before you download the app).
Then, watch these videos to learn how to set up the app and switch on your permissions:
First, head to your phone’s app store, search ‘Zego Sense’ and hit download (make sure you’ve taken out a Sense policy before you download the app).
Then, watch these videos to learn how to set up the app and switch on your permissions:
- For iOS devices
- For Android devices
What our customers say
I have only insured my car with Zego and was impressed with the clear instructions they provide on their site and app. Excellent customer service too.
This app has excellent service and is also very helpful. The price is a reasonable amount too! Overall, I really like this app.
Great to know how driving carefully rewards you with lower premiums. This is the way forward!
Why we’re the right choice
71m
policies sold
480k
drivers have chosen us
92%
of Sense drivers save money
Frequently asked questions
“71 million...” – Based on the total number of policies sold by Zego as of 17/10/24
“480K drivers...” – Based on the number of fixed policies sold by Zego as of 17/10/24
“92%..” – Based on compliant Zego Annual Sense customers who have been insured on Sense policies and have a Driver Score, between August 1st 2024 and September 30th 2024