Zego review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

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.

Key facts

Best for
Van owners who want a low excess, monthly payments and a direct insurer.
Insurance types
Auto, Van, Motorcycle (Source, checked September 26, 2026)
Provider type
Insurer (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Excess from
£25 (Source, checked September 26, 2026)
Cover limit
Third party property damage up to GBP 5m; personal accident up to GBP 5,000; motor legal protection up to GBP 100,000 (Source, checked September 26, 2026)
Claims channels
App, Online form, Chat, Phone, Email (Source, checked September 26, 2026)
Legal entity
Extracover Limited (Source, checked September 26, 2026)
Headquarters
United Kingdom (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Monthly
Official website
zego.com

Apps and profiles

Elsewhere
TrustpilotLinkedInyoutube.com

Pros and cons

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.
  • Claims can be opened through app, online form and chat, so the app, an online form, chat, phone and email all work.
  • Cars, vans and motorcycles sit with one insurer, auto, van and motorcycle, so a household with more than one vehicle stays in the same book.

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.
  • The site's cost part is 5.5 against an overall 5.5, so the price signals sit in the middle of the range.

Ready to try Zego?

Scored 9.4 / 10 by AssureCue.

See alternatives

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.

Safety and regulation

The safety of the money here is simple to state: the premium goes to the company that carries the risk, and Zego is recorded as insurer, rather than an intermediary. The GB licence is 757871, held under the Financial Conduct Authority, so there is a supervised firm on the other end of the policy. For a reader who weighs where payments go before choosing cover, an insurer with a named UK regulator is the safer shape of arrangement, and that licence reference is what you check against the regulator's own record. Where a claim stalls, the policy names one company to pursue.

Regulation

The Financial Conduct Authority is the UK regulator named in Zego's licence, and the reference carried for it is 757871. Because the company is an insurer, insurer, the relationship with that supervisor is a direct one: the firm takes on the risk itself and reports within the UK system. The practical point for a buyer is that a regulated market applies to the sale and the service, so a complaint about a claim or a premium has a route that does not end with the insurer alone. The licence reference is the piece of evidence to keep with your documents.

What the policy covers

Zego writes auto, van and motorcycle, so cars, vans and motorcycles sit inside one insurer rather than being split across providers. On the personal van policy the cover limit is built in three limbs: third party property damage, personal accident, and motor legal protection. For a reader weighing the money, the third party limb is the floor, and the personal accident and motor legal limbs are what decide whether a bad claim leaves anything behind. The breakdown is worth reading against your own exposure before you pay, because the same three parts apply whatever vehicle and driver sit on the policy.

How Zego compares

Where Zego is available

Available
Ireland, United Kingdom
Licence in United Kingdom
Financial Conduct Authority (757871), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

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.

What is the excess on a Zego van policy?+

The excess starts at £25 on the personal van policy, which is the part of the premium that comes back to you after a claim you caused. The figure moves with the vehicle, the driver and the cover chosen, so read the amount on your own quote rather than treating the starting point as fixed. The lower the excess, the less a small claim costs you to absorb.

Can I pay monthly instead of yearly?+

Monthly payments are available, and the only payment model listed is monthly. That matches how the wider van market works: monthly terms appear across 100% of the brands here. Spreading the outlay helps cash flow, though the total across the year is what matters if your aim is to spend less.

What lines of insurance does Zego write?+

The lines listed are auto, van and motorcycle, so road cover for cars, vans and motorcycles comes from one insurer. Home, renters, landlord and travel sit elsewhere: Hiscox UK lists home, renters and landlord and Good Sam Insurance Agency lists auto, home and renters. If the van is the only thing you need insured, that narrow book is a simple proposition.

How do I make a claim?+

Claims can be started through app, online form and chat, which lists the app, an online form, chat, phone and email. Having the app and the form there matters most when the vehicle is off the road, since neither waits for office hours. Phone and chat cover the cases where the damage is unclear and you want someone to interpret the policy for you.

How do I reach support outside a claim?+

Support runs on email, chat and phone, which is email, chat, phone and a help centre. Compare that with the claims list, app, online form and chat, which adds the app and an online form. If you are mid-policy rather than mid-claim, the help centre and chat tend to be the quicker routes for questions about documents and renewals.

Where is Zego based and who underwrites the policy?+

The head office is in the United Kingdom, GB, and the licence is a UK one, 757871, with the Financial Conduct Authority as the regulator named on it. Claims and complaints therefore run on a UK footing, and the same regulator's record is where the licence reference can be checked before you buy.

Sources

  • zego.com/about-us checked September 26, 2026

    Backs: Provider type, Insurance types

    “Zego is a UK motor insurance provider for car drivers, van drivers, taxi drivers and delivery riders. We insure individual drivers, one policy at a time.”

  • zego.com/contact-us checked September 26, 2026

    Backs: Support channels

    “We're available for live chat ... Please call: 020 3308 9800 ... Please email: [email protected]”

  • zego.com/van-insurance checked September 26, 2026

    Backs: Claims channels, Headquarters, Legal entity, Pricing model, Monthly payments, Licences

    “Report the incident in your Zego app, or use the online claims form on our claims page.”

  • zego.com/van-insurance/personal checked September 26, 2026

    Backs: Cover limit, Excess from

    “Costs for causing damage to other vehicles or property up to £5m”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Premium from.

Zego

Van owners who want a low excess, monthly payments and a direct insurer.

9.4/10See alternatives

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