Updated September 29, 2026 · AssureCue Editorial Team
Gigasure vs Zego
Where Gigasure and Zego differ
| Compare |  Gigasure | Zego ReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Travel, Van | Auto, Van, Motorcycle |
| Provider type | Broker | Insurer |
| Excess from | £0 to £10,000Lower | £25 |
| Cover limit | Medical expenses trips abroad: GBP 10,000,000 (Core) to GBP 20,000,000 (Max) | Third party property damage up to GBP 5m; personal accident up to GBP 5,000; motor legal protection up to GBP 100,000 |
| Claims channels | App, Website | App, Online form, Chat, Phone, Email |
| Premium from | £36.35 | Not confirmed |
| Monthly payments | Not confirmed | Yes |
| Age range | 18-75 single trip, 18-70 annual multi-trip | Not confirmed |
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Key differences
- Zego scores higher overall: 9.4 vs 8.9.
- Zego is available in 1 more country.
- Excess from is lower at Gigasure: £0 to £10,000 vs £25.
- Insurance types: only Gigasure offers Travel.
- Insurance types: only Zego offers Auto, Motorcycle.
- Claims channels: only Gigasure offers Website.
- Claims channels: only Zego offers Online form, Chat, Phone.
Our verdict on each
Gigasure
Gigasure suits people in the UK who want travel or van cover alone rather than a full personal lines policy, and car hire excess cover starts at £36.35. It is a broker registered with the Financial Conduct Authority, so the selling firm is named, regulated and checkable.
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 | Gigasure | Zego |
|---|---|---|
| Cost | 9.0Entry price of £36.35 for car hire excess sits above the site median, which stands at €8.37. | 9.1HigherExcess from £25 on the personal van policy, and monthly payments as the only listed model, spread the outlay. |
| Offer | 9.0 | 9.5Higher |
| Trust | 8.8 | 9.6Higher |
How they place
| Ranking | Gigasure | Zego |
|---|---|---|
| Car insurance | 21 of 393 | 80 of 393 |
| Van insurance | 3 of 38 | 7 of 38 |
Feature by feature
| Insurance types | Gigasure | Zego |
|---|---|---|
| Auto | No | Yes |
| Travel | Yes | No |
| Motorcycle | No | Yes |
| Van | Yes | Yes |
What we checked
Gigasure
- gigasure.com: 11 facts, checked September 26, 2026
Zego
- zego.com: 10 facts, checked September 26, 2026
Every fact side by side
| Fact | Gigasure | Zego |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Not confirmed | Monthly |
| Legal entity | Gigasure Services Limited | Extracover Limited |
| Headquarters | United Kingdom | United Kingdom |
| Support channels | Email, Chat, Phone, Help centre | Email, Chat, Phone, Help centre |
Where each stands against the rest
| Fact | Gigasure | Zego | Median |
|---|---|---|---|
| Premium from | £36.35highest quarter | Not confirmed | £7.95 |
| Excess from | £0 to £10,000below the median | £25at the median | £25 |
Median across 51 listed insurance providers.
Pros and cons
Gigasure
Pros
- Excess on car hire excess cover runs £0 to £10,000, so a traveller chooses how much of the rental charge to carry instead of accepting a fixed figure.
- Claims are filed through the app and website and support runs on email, chat and phone, giving policyholders live and written routes inside the same provider.
- The FCA registration 1005421 sits on a broker, so the firm taking the instruction is named and checkable by the customer.
Cons
- The catalogue is travel and van, so anyone wanting home, motor or life in the same place has to move to another provider.
- On entry price Gigasure ranks 199 of 252 across the site, so the starting figure sits high in a list sorted from the lowest premium.
- The 5.1 overall score is a middling one, and its 5.1 cost part is the same, so the price case is the part that needs arguing.
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
Gigasure
Who it suits
- Travellers inside the 18-75 single trip, 18-70 annual multi-trip bands, whether they are booking a single trip or an annual multi-trip policy.
- Anyone taking a car hire excess policy who wants the excess set themselves, with options running £0 to £10,000.
- Van owners who want travel and van held by the same broker, given the range is travel and van.
Who should look elsewhere
- Shoppers after auto, home or pet in the same place: Good Sam Insurance Agency lists auto, home and renters.
- Readers comparing a UK budget with another market: EuroAsia Insurance is priced at UZS 60,000 in Uzbek soum, which does not line up with a UK travel or van figure.
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 | Gigasure | Zego |
|---|---|---|
| Ireland | No | Yes |
| United Kingdom | Yes | Yes |
Questions about each
Gigasure
What does Gigasure actually sell?+
Gigasure is a focused personal lines broker and its range is travel and van, travel and van, with nothing else sitting alongside them. A shopper after a full household bundle is looking at a different kind of provider. Both lines sit inside the same brand, which keeps quoting and claims in the same place.
How much does car hire excess insurance cost?+
The entry figure is £36.35 for car hire excess cover, and the excess a traveller accepts on that policy runs £0 to £10,000. How much of the rental company's charge you agree to carry is the decision behind the quote, so £36.35 reads as the floor of the price rather than a typical bill.
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.