TELEMATICS CAR INSURANCE

Good driving deserves more.

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

  • Get rewards for good driving – up to £60 a year

  • Renewal price based on how you drive

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Zego Sense app screens showing driver score and insights

What Is telematics insurance?

Telematics driver rating image
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.

Good driving now gets you Rewards.

Zego Sense screens showing driver rating and insights
When you choose a Sense policy, you get our app-based telematics insurance and Rewards. Download the app, drive well, and we'll give you gift cards from places like Amazon, Tesco and Greggs.

Here’s how it works:

1. Drive well

Download the app and hit the road. Your driving does the talking.

2. Get points

The better you drive, the more points you get. Good driving adds up.

3. Treat yourself

Turn your points into gift cards at some of your favourite brands and retailers.

Is telematics car insurance right for me?

Zego's telematic insurance app called Sense

  • 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

  • Get rewards for good driving – gift cards from Amazon, Tesco and more

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

  • Real-time driving insights sent straight to your phone

Why Drivers Trust Zego

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81m

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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

No curfews and no mileage caps

just passed her driving test telematics score
Zego Sense does not impose curfews or restrict when you can drive. Some older black box policies penalised drivers for late-night journeys or set maximum mileage limits. Sense works differently.

You can drive at any time of day or night without a penalty on your score. The app measures how you drive – acceleration, braking, cornering, speed – not when you drive. A careful driver at 11pm scores the same as a careful driver at 11am.

There is no annual or monthly mileage cap either. You need a minimum of 5 trips covering 65 miles to generate your first driver rating, but beyond that threshold there is no upper limit on how much you drive.


How much does telematics car insurance cost?

telematics driving score man smiling
Telematics car insurance pricing starts with the same underwriting factors as standard cover, your age, vehicle, postcode, and driving history set your initial quote. The difference is what happens next: your driving data adjusts that price at renewal.

The savings depend on your driving score across five metrics: acceleration, braking, cornering, speeding, and rest.

There is no fixed discount amount – the system is granular. A driver scoring 90 receives a different renewal price from one scoring 70, even though both fall within the safe range. Consistent safe driving across the full policy year produces the strongest renewal savings.


Trusted by 100,000’s of UK drivers

Join the good driving revolution. Get a quote to see how much you could save.
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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. "...£60 a year..." – If a rating of 'Excellent' is consistently maintained over the full course of the policy. Available to annual policy holders only.