Please read the following terms & conditions carefully.
Extracover Limited (a company registered in England & Wales with company number 10128841 whose registered offices is at Finsbury Business Centre, London EC1R 0NE) trading as "Zego" ("Zego", "we", "us", or "our") provides an independent insurance intermediary service (the "Zego Service") through a website [www.zegocover.com] (the "Website") and an associated mobile application ("the App").
Zego is authorised and regulated by the Financial Conduct Authority (FRN: 757871) and you can check this on the Financial Conduct Authority’s register by visiting the FCA website at www.fca.org.uk/register.
Individuals ("you" or "your") who register and use the Zego Service understand and agree to these terms and conditions and understand that Zego is an intermediary and not an insurer or underwriter.
It is our intention to provide you with an exceptional level of customer service at all times, however, should you be unhappy with the Zego Service or have any cause for dissatisfaction we have a formal complaints procedure:
Who to contact in the first instance:
If you have a concern please contact us in the first instance as we may be able to resolve your complaint straight away for you.
Email: [email protected]
Post: Extracover Limited, Finsbury Business Centre, 40 Bowling Green Lane, London, EC1R 0NE.
Most Complaints can be resolved within 3 business days:
If we can resolve your complaint within 3 business days it will do so and will write to you to confirm. (A business day is defined as Monday to Friday, but excluding bank holidays).
Complaints that take longer than 3 business days to resolve:
If we have not been able to resolve your complaint to your satisfaction within 3 business days, we will keep you updated with progress and will provide you with a decision as quickly as possible. This will be in the form of a final decision letter.
Next steps if you are still unhappy:
If we are unable to resolve your complaint, we may refer you to the insurer who will then handle your complaint directly. If you wish to contact the insurer, their contact details are provided within your policy or claims documentation.
If you are not happy with the outcome of your complaint, you can ask the Financial Ombudsman Service to review your case. You will need to contact them within 6 months of the date of the final decision letter.
You can also ask the ombudsman to review your case if you have not received a final decision within 8 weeks of receiving your complaint.
The service they provide is free and impartial. They can be contacted as follows:
Post: Financial Ombudsman Service, Exchange Tower, London, E14 9SR
Telephone: 08000 234567 (free on mobile phones and landlines)
Email: [email protected]
We offer an internet based platform to arrange insurance for delivery drivers of cars and motorcycles.
The insurance provider and underwriter of risk for users of the Zego Service is not Zego. Instead we find and introduce you to other appropriate FCA regulated insurers who offer insurance to delivery drivers to provide insurance.
We do not advise or recommend on any insurance product and by agreeing to our terms and using the Zego Service you agree that you are (a) making a choice about how to proceed; and (b) checking the suitability of an insurance product that will meet your needs.
Through the Zego Service an insurance policy (“Policy”) is available for purchase by you from an insurance provider in accordance with these terms and conditions.
We reserve the right to refuse the use of the Zego Service or a part of the Zego Service to any user in our absolute discretion.
Information and Registration
By completing our membership and quotation process you agree that you have requested motor insurance in accordance with the details you submitted (“Your Information”).
Using Your Information we will create an account for you (“Zego Account”) to manage the insurance you require and we will issue you with the terms of the Policy.
It is your responsibility to ensure Your Information is complete, full and accurate.
You must notify us of any changes to your circumstances (including, but not limited to, any motoring or criminal convictions or vehicle modifications) through the Website or the App and in the event it is not possible to update us with your information through the Website or the App, you should contact us by telephone (using the number on the Website) or by emailing us at [email protected]
If Your Information or any other information provided by you to us is not complete and accurate, you understand and accept that an insurer has the right to cancel your policy and refuse to make all or part of any payment in respect of a claim you may make or may revise any premium and/or change the compulsory excess, or the extent of the cover may be affected.
The Zego Service will provide you with the ability to buy insurance for different time periods suitable to your needs (each a “Cover Period”) by either using the App, the Website or otherwise in accordance with paragraph 5.
The details of the insurance cover you purchase will be included in your Policy and in any relevant documents.
The terms of the Policy are emailed to your stated email address upon receipt of your registration and confirmation of acceptance of these terms.
Any insurance purchased through the Zego Service is only valid within the territory or territories indicated in your policy.
You agree and undertake to adhere to the limitations of the Policy and any insurance schedule associated with the Policy.
From time to time we may agree with 3rd parties offering web-based platforms for delivery drivers (each an “Approved Platform”) that we will work with them to offer insurance to users of their service (“Approved Platform’s Service”), particularly in relation to users who wish to purchase Cover Periods of 1 hour or successions of 1 hour periods (“Hourly Insurance”).
Subject to paragraph 5.c, in the event you have an account registered with us and are a registered user of an Approved Platform you agree to:
us requesting information from the Approved Platform about your use of the Approved Platform’s Service;
the Approved Platform informing us of any period of time when you are using the Approved Platform’s Service (an “Approved Platform Cover Period”);
us acquiring data from the Approved Platform (including personal data as defined in the Data Protection Act 1998 or otherwise) about your use of the Approved Platform’s Service and any Approved Platform Cover Period;
purchase insurance for each Approved Platform Cover Period in accordance with the Policy accepted by you as part of the Zego Service; and
the cancellation of your Policy and your account with Zego in the event you continue to use the Approved Platform’s Service without purchasing insurance for each Approved Platform Cover Period using the Zego Service.
If you do not wish to purchase insurance in accordance with paragraph 5.b you may:
cancel your Zego Account;
change the settings on your Zego Account to disapply this paragraph 5; or
notify us that you wish this paragraph 5 to be disapplied by telephone (using the number on the Website) or by emailing us at [email protected]
Hourly Insurance for a delivery driver using a car is only available to users of the Zego Service who accept the terms of paragraph 5.b above.
We reserve the right to update any Approved Platform of any cancellation of insurance made in accordance with paragraph 6.
As a customer of Zego, you have the right to cancel your insurance for a Cover Period at any time up to 60 minutes prior to the Cover Period starting.
You cannot retrospectively cancel any utilised Cover Period under a Policy.
Zego will not charge you to cancel a Cover Period or the Policy and you can cancel at any time.
By accepting the terms of a Policy, you will be agreeing to an insurance premium for the acceptance of the Policy (the “Premium”).
In addition, you agree to pay to Zego an administration fee or a combination of a fee and/or commission ("Zego Fees").
A breakdown of the Zego fees is available upon request.
We will notify you of any change to the Zego Fees with 14 days notice.
All Promotions, terms relating to Promotions and queries relating to Promotions shall be determined by us in our absolute discretion.
We may offer to you vouchers, credit to your account and/or other promotional credit for you to use to purchase insurance (“Promotion Credit”).
In order for you to benefit from any Promotion Credit and for the Promotion Credit to be valid you must activate the Promotion Credit by supplying the unique code provided (the “Unique Code”) in an online application:
for new users of the Service, at the time you register for a Zego account; and
for existing users, by submitting the unique code through your Zego account.
By submitting the Unique Code you will be deemed to confirm your agreement to these terms and conditions, any special conditions attached to the Promotion Credit.
All of these terms and conditions shall become applicable as between us and you as holder or the Promotion Credit when you redeem the Promotion Credit.
You may only use the Promotion Credit to purchase insurance made through the Service.
Promotion Credit is not refundable or redeemable for cash or transferable.
Other than in accordance with paragraph 8(viii) below, a Promotion Credit (and any related Unique Code) may only be used once by its holder and may not be copied, reproduced, distributed or published either directly or indirectly in any form or stored in a data retrieval system without our prior written approval.
A Unique Code issued to Zego account holders for a referral promotion (a “Referral Unique Code”) where the recipient of the account enters the code upon registering with Zego may be issued to multiple individuals. However, a recipient of a Referral Unique Code may only use the Referral Unique Code once upon registering for a Zego account and shall only receive the associated Promotion Credit once.
We reserve the right to withdraw or deactivate any Promotion Credit for any reason at any time.
Promotion Credit may only be used through our Site and not through any other website or method of communication.
In additional to any Promotion Credit, we may also offer promotional rates for the Premium and/or the Zego Fees (a “Fare Promotion”) for:
users of specific Approved Platforms; and/or
other Zego users in the event your usage determines a loyalty discount.
We will make this discount available either:
through your Zego Account; or
by stating the Fare Promotion terms on the Website.
Unless otherwise stated a Fare Promotion shall run either for:
a day period, being 0000 hours to 2359 hours on the day of the Promotion; or
a weekly period, being 0000 hours on Monday morning to 2359 hours on the following Sunday.
You understand that any quotation provided by us for a Premium and/or Zego Fees is valid and guaranteed only for the period in which you have the page open with the quotation on the screen or as we may otherwise indicate to you.
Subject to any arrangement made in accordance with paragraph 9(l), each Zego account works on a pay as you go credit basis and you agree to make payments on account (“Your Account”) for Policies, any insurance cover, our fees and any associated taxes (“Costs”) from the credit card or debit card you have registered through the Website and/or the App. You agree to keep Your Account in credit in order to ensure you have sufficient credit available to pay for your Costs and we offer an automated top up service in order to assist you with this obligation.
Payments for any Premium and any associated Costs will be deducted from Your Account at the end of each Cover Period.
When you register you authorise us to take £15 (or such other sum as you indicate) on account for payment for future Policies, any insurance cover, Zego Fees and any associated taxes from the credit card or debit card you have registered through the Website and/or the App.
In the event there are insufficient funds in Your Account to pay for Your Costs you authorise us to deduct such sum from the credit card or debit card you have registered through the Website and/or the App to bring Your Account into credit.
You authorise us to make all payments in accordance with this paragraph 8 using a third party payments’ processor we use from time to time.
In the event a request is made to make payment other than by credit card or debit card, we reserve the right to refuse such payment. You also understand that we may charge additional fees for another form of payment method.
You are responsible if you don't update your credit/debit card details and if they have changed. You are also responsible if Your Account runs out of credit sufficient to pay for any Costs.
If there is insufficient credit in Your Account and/or a credit card or debit card fails to work, you understand and agree that:
the insurance for the period of cover may not have been purchased by you and/or may be void;
we reserve the right to suspend your account; and
if relevant, notify any Approved Platform for whose Service you may use to find work.
Zego acts as an agent of insurers for the collection of the Premium and, consequently:
all Premiums are treated as having been received by an insurer upon receipt by our payments processor; and
the relevant insurer for a Policy carries the risk for any losses which may arise in the event of any winding up, liquidation, administration or insolvency of Zego.
All funds for a Premium will be held in a “Client Insurer Trust Account” until such funds are passed to the relevant insurer. Whilst Zego may have the legal ownership of the funds in this account, the funds are held:
prior to the booking of a Cover Period, to your order; and
once a booking for a Cover Period has been made, on trust for the benefit of the relevant insurer.
Where it is a necessary part of arranging your insurance we may pay a proportion of the Premium to another intermediary on behalf of the relevant insurer.
From time to time we may work with third parties (“Credit Companies”) to offer you the ability to pay for Premiums in installments depending on the nature of the Policy. In this instance the terms and conditions of the relevant Credit Company will apply and we may assist the Credit Company with any payments as may be appropriate to enter into such arrangements.
Your Cover Note, Key Facts, Policy Booklet and Schedule of Insurance will be created and emailed to your stated email address when upon receipt of your registration and confirmation of acceptance of these terms and any Certificate in relation to a Cover Period will be available through the App in your Zego Account at such time.
We will ensure that you receive full details of your insurance cover and we will provide you with any documents that you are required to have by law.
Claims and incident reporting
In the event of a claim you should contact us as soon as is reasonably possible by:
the incident report helpline included on your policy documentation and available on the Website and/or the App; and
on our claims line as detailed on the Website and/or the App.
You agree to use best endeavours to provide our claims team with all information related to any claim affecting you or incident involving you that may affect a Policy.
Confidentiality and Data Protection
We will only use and disclose the information we have about you in the normal course of arranging your insurance (including to an Approved Platform in accordance with these terms & conditions), and will not disclose any information to any other parties.
You agree that we have the right to share your personal data with:
Approved Platform you may use for finding work;
the Driving and Vehicle Licensing Authority;
The Motor Insurers’ Database;
providers of insurance services to you; and
3rd parties for marketing and claims management purposes;
We may use information we hold about you to provide information to you about other products and services that we feel may be appropriate to you.
We are registered with the Information Commissioner’s Office with number ZA188595.
Under the Data Protection Act 1998 you have the right to see personal information about you that we hold in our records. If you have any queries please contact [email protected]
Limitation of Liability
We are not liable to you for any loss arising in relation to a Policy or a claim made by you in relation to any incident. Any contractual, tortious or other liability relating to the Policy is between you and the insurer.
We will not be liable to you for any loss resulting from providing the Zego Service, except for loss caused by our own negligence or wilful misconduct. In the event that we are liable, the limit of our liability shall be the value of the Zego Fees.
We have the right to change these terms and conditions and we will always give you reasonable notice of any changes. Please refer to the Website or App for our latest copy of these terms and conditions.
These terms of business shall be governed by and construed in accordance with English law.
In relation to any legal action or proceedings arising out of or in connection with these terms of business we both irrevocably submit to the non-exclusive jurisdiction of the English Courts.
You are responsible for regularly checking for emails from us and to ensure our emails are not sent to a junk mail folder.