APP BASED TELEMATICS CAR INSURANCE
Telematics Insurance
Personalised pricing based on your driver rating
Easy-to-use app, with all your documents to hand
Quick access to our award-winning claims team
Get on the road in minutes with a personalised telematics car insurance quote
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81m
575k
96%
What is telematics car insurance?
At Zego, we believe that good drivers deserve fairer prices. Our app-based telematics policy uses this data to create a personalised driver score. The better your driving, the better your renewal price. It’s insurance that rewards control, care, and awareness, not stereotypes.
This approach empowers drivers to take ownership of their safety and costs. You can track your performance in real time through the Zego Sense app, seeing how small improvements behind the wheel can lead to lower premiums and safer roads for everyone.
In simple terms, telematics turns your driving data into insights, helping you save money while becoming a more confident, responsible driver. And because Zego’s mission is to make insurance smarter, fairer, and more flexible, our telematics cover is designed to work with you, not against you.
What does our telematics insurance include?
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)
Car Insurance that moves with you. It starts with Sense.
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
How does our telematics driving score work?
How it’s calculated
Sense uses your phone’s built-in sensors to track key driving habits every time you’re behind the wheel:
- Acceleration – how smoothly you pull away
- Braking – how gently you stop
- Cornering – how carefully you turn
- Speeding – how well you stay within limits
- Rest – how often you take breaks
Averaged over time
Your score updates as new journeys replace older ones, so it may change even if you haven’t driven for a few days. You’ll need to complete at least 5 trips and 65 miles before your first rating appears.
No black box required – just your smartphone
There’s no black box to fit and no need to visit a garage. Sense runs through your smartphone, using its sensors to understand your driving behaviour.
You’ll also get insights and tips to help you build safer habits, helping you become a better driver.
How telematics works
With 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 earn you a personalised renewal quote
Easy and quick to download
Am I eligible?
Check if we can cover you before you begin.You’re 25–60 years old
You live in the UK
You have no previous claims or motoring convictions
You hold a full or provisional UK driver’s licence
Your car is valued at less than £30,000
What are the benefits of telematics car insurance?
No box to fit, just the app
Forget the hassle of fitting a black box or waiting for engineers. With Zego, everything happens through your phone. The Sense app starts tracking as soon as you drive, turning your smartphone into a simple, seamless way to save on insurance.Save money for safe driving
The Zego Sense app rewards safe, consistent driving with better renewal prices. Your driver score is built on real journeys, not assumptions, meaning every smooth trip can help lower what you pay. Over time, good driving really does pay off.Real-time driving insights
The Sense app shows how you accelerate, brake, corner, and keep to speed limits, helping you understand your driving style in detail. With clear feedback after every trip, you can make small adjustments that lead to safer driving and long-term savingsFair pricing, not stereotypes
We don’t rely on old-fashioned risk factors like age or postcode. Zego’s telematics insurance focuses on how you actually drive. It’s a smarter, fairer way to price car insurance, giving you full control over your costs.Helpful evidence if things go wrong
If you’re ever involved in an incident, trip data from the Sense app can help show what really happened. It’s extra clarity when you need it most, helping resolve claims quickly and fairly.You’re always in control
Your driving data belongs to you. The Sense app clearly shows what’s being tracked and why, no hidden details, no surprises. You can pause tracking anytime, and your information stays protected with industry-leading security. Transparency and trust are built into every journey.
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Car Insurance that moves with you. It starts with Sense.
Download the Sense app
To get started, download the Sense app to your smartphone and activate your policy. It only takes a minute.
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.
Unlock our best price at renewal
The higher your driver rating, the better your chances of being rewarded at renewal.
Learn about Sense
Is This The Secret to Cheaper Car Insurance? Zego Sense
Black Box vs Telematics Car Insurance
Trusted by 100,000’s of UK drivers
Frequently asked questions
“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