Updated September 29, 2026 · AssureCue Editorial Team
Emergency Assist vs Zego
What sets them apart
| Compare |  Emergency Assist | Zego ReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Breakdown, Van, Motorcycle | Auto, Van, Motorcycle |
| Provider type | Broker | Insurer |
| Excess from | £0Lower | £25 |
| Claims channels | Phone, Email | App, Online form, Chat, Phone, EmailCovers more |
| Premium from | £19.32 | Not confirmed |
| Cover limit | Not confirmed | Third party property damage up to GBP 5m; personal accident up to GBP 5,000; motor legal protection up to GBP 100,000 |
Same on both: Monthly payments (Yes).
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Key differences
- Zego scores higher overall: 9.4 vs 8.7.
- Zego is available in 1 more country.
- Excess from is lower at Emergency Assist: £0 vs £25.
- Insurance types: only Emergency Assist offers Breakdown.
- Insurance types: only Zego offers Auto.
- Claims channels: only Zego offers App, Online form, Chat.
- Support channels: only Zego offers Email, Chat.
Our verdict on each
Emergency Assist
Emergency Assist suits drivers, riders and van owners seeking breakdown protection with the option to pay in instalments. Premiums start at £19.32 for cover that stays focused on roadside needs, with claims and support arranged for straightforward help when disruption hits.
Zego
Zego suits van, car and motorcycle owners who want an insurer that writes the policy itself and keeps the excess low, starting at £25, with monthly payments the only listed model. It is a specialist in road cover rather than a generalist, so anyone also wanting home or travel protection should look elsewhere.
Score breakdown
| Area | Emergency Assist | Zego |
|---|---|---|
| Cost | 9.1Cost reflects excess of £0 at point of claim. | 9.1Excess from £25 on the personal van policy, and monthly payments as the only listed model, spread the outlay. |
| Offer | 8.6Offer centres on breakdown, van and motorcycle for roadside needs. | 9.5Higher |
| Trust | 8.5Trust rests on 579333 authorisation. | 9.6Higher |
How they place
| Ranking | Emergency Assist | Zego |
|---|---|---|
| Car insurance | 33 of 394 | 83 of 394 |
| Motorbike insurance | 17 of 120 | 32 of 120 |
| Van insurance | 4 of 38 | 7 of 38 |
Pick Emergency Assist if, pick Zego if
Pick Emergency Assist if excess from matter most.
Pick Zego if offer and claims channels matter most.
Licences and countries
| Country | Emergency Assist | Zego |
|---|---|---|
| United Kingdom | Financial Conduct Authority 579333 | Financial Conduct Authority 757871 |
Available in 1 country for both. Additional countries for Zego: 1.
What each covers
| Insurance types | Emergency Assist | Zego |
|---|---|---|
| Auto | No | Yes |
| Motorcycle | Yes | Yes |
| Van | Yes | Yes |
| Breakdown | Yes | No |
Every fact side by side
| Fact | Emergency Assist | Zego |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Emergency Assist Ltd | Extracover Limited |
| Headquarters | United Kingdom | United Kingdom |
| Founded | 2017 | Not confirmed |
| Support channels | Phone, Help centre | Email, Chat, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Emergency Assist | Zego | Median |
|---|---|---|---|
| Premium from | £19.32above the median | Not confirmed | £7.95 |
| Excess from | £0below the median | £25at the median | £25 |
Median across 51 listed insurance providers.
Pros and cons
Emergency Assist
Pros
- Premiums start at £19.32 on a monthly basis
- Monthly payments available with support via phone and help centre
- Claims contact through phone and email for direct help
Cons
- Support runs on phone and help centre only
- Claims run through phone and email only
Zego
Pros
- An insurer, insurer, so the cover is underwritten by the company you deal with rather than placed by a broker.
- A Financial Conduct Authority licence for the UK, 757871, which keeps the contract inside a supervised market.
- The excess starts at £25 on the personal van policy, so a smaller claim costs less to absorb.
Cons
- Cover stops at auto, van and motorcycle, while Euroasia Insurance also writes auto, home and travel.
- The app and an online form are not among its support channels, email, chat and phone; both sit in the claims list, app, online form and chat.
- Payments run on monthly only, so the monthly plan is the single listed way to pay.
Who each suits
Emergency Assist
Who it suits
- Drivers seeking phone based breakdown help
- Van and motorcycle owners wanting monthly terms
- Shoppers comfortable buying through a broker
Who should look elsewhere
- Shoppers wanting Hiscox for a different premium starting at $29.16
- Shoppers wanting andsafe for a different premium starting at €3.63
Zego
Who it suits
- Van owners who want the excess kept low at £25 and can settle the premium monthly.
- Drivers and riders who want an insurer, insurer, holding a Financial Conduct Authority licence in the UK, 757871.
- Anyone who would rather open a claim in the app or by chat than wait on hold, app, online form and chat.
Who should look elsewhere
- Home, travel or gadget buyers, since Euroasia Insurance writes auto, home and travel alongside road cover.
- Landlord, renters or home emergency seekers, since Hiscox UK lists home, renters and landlord and Zego's lines are auto, van and motorcycle.
- Readers who want life, health or pet cover in the same place, since Good Sam Insurance Agency lists auto, home and renters.
Country by country
| Country | Emergency Assist | Zego |
|---|---|---|
| Ireland | No | Yes |
| United Kingdom | Yes | Yes |
Questions about each
Emergency Assist
How much does Emergency Assist breakdown cover cost?+
Premiums start at £19.32 for Saver breakdown cover. The plan is sold on a monthly basis, with Monthly payments available to spread the cost. Exact pricing depends on vehicle and cover selected, so check the quote before purchase.
Is there an excess to pay on a claim?+
The Saver plan carries excess of £0, so there is nothing extra to pay toward an approved claim. That structure keeps callouts simple at the roadside. Always confirm the excess wording in the policy documents before relying on cover.
Zego
Is Zego an insurer or a broker?+
Zego is an insurer, recorded as insurer, so the policy sits with the firm you apply to rather than with a broker placing cover on behalf of someone else. Good Sam Insurance Agency and Hiscox UK both run far wider line lists, auto, home and renters and home, renters and landlord, while Zego keeps to auto, van and motorcycle.
Who regulates Zego in the UK?+
The regulator named on the licence is the Financial Conduct Authority, and the reference is 757871. That places the firm inside the UK system for insurance providers, with the same supervisory framework that applies to any other insurer selling in this market. Keep the reference with your policy documents, since it is the item to check on the regulator's record.