Zego Taxi Insurance
Zego Taxi Insurance Quotes
Compare a pay-as-you-go taxi insurer against the wider market.
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Who Are Zego Insurance?
Zego is a London-based insurtech founded in 2016 that specialises in flexible motor insurance for private hire drivers and gig economy workers.
Sten Saar, Harry Franks and Stuart Kelly launched Zego to fill a gap in the market for drivers who needed short-term, pay-as-you-go cover. The company has since insured over 750,000 drivers and issued more than 94 million taxi insurance policies across the UK and Europe.
Zego holds a 4.5 out of 5 Trustpilot rating from 20,000+ reviews and employs around 385 staff across its UK and European offices. Drivers aged 21 to 75 with a valid taxi licence can apply for cover.
How To Compare Zego Taxi Insurance Quotes
You can compare Zego taxi insurance quotes alongside other UK specialist insurers in minutes using our free online tool.
Enter your details
Provide your name, age, licence details and the vehicle you use for private hire work.
Choose your cover level
Select third-party only or fully comprehensive, then pick any optional extras you need.
Buy your policy online
Every insurer on our panel is regulated by the Financial Conduct Authority, so you can buy with confidence.
What Does Zego Taxi Insurance Cover?
Zego covers private hire work, personal driving and hire-and-reward activities under a single policy.
Private hire and personal use
A Zego policy includes both private hire work and social, domestic and pleasure driving. Drivers who hold a PCO licence in London or an equivalent council licence elsewhere can use the same policy for passenger bookings and personal journeys.
Hire and reward
The policy also covers hire and reward activities, meaning you can carry passengers or deliver goods for payment. This is a legal requirement under the Road Traffic Act 1988 for anyone transporting people or items in exchange for a fare.
Public liability
Zego includes £5 million of public liability cover as standard, with the option to upgrade to £10 million. This protects you against claims from passengers or members of the public who suffer injury or property damage connected to your taxi work.
Zego Sense
Zego Sense is an app-based telematics tool that scores your driving in real time. Good scores can lead to lower premiums at renewal, rewarding safe driving habits without needing a physical black box fitted to your vehicle.
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What Levels Of Cover Does Zego Taxi Insurance Offer?
Zego offers two cover levels rather than the usual three, so the choice is between the legal minimum and full protection.
| Cover Level | What It Includes | Best For |
| Third-party only (TPO) | Covers claims against you for injury or property damage to others; does not cover your own vehicle | Drivers on a tight budget who want the legal minimum |
| Fully comprehensive | Everything in TPO plus accidental damage, theft, fire, windscreen cover and audio equipment | Drivers who want the widest protection for their vehicle and passengers |
Zego does not offer a third-party fire and theft tier. Standard car insurance does not cover private hire work, so you need a dedicated taxi policy regardless of which level you choose.
What Policy Lengths Does Zego Offer?
Zego sells its taxi cover on two terms, which is the flexibility that sets it apart from most traditional insurers.
30-day policy
Designed for casual and part-time drivers, the 30-day policy renews monthly and includes both private hire and personal use cover. It is paid as a single monthly sum with no long-term commitment.
Annual policy
Full-time drivers benefit from a lower per-month cost on an annual policy. You can pay in one lump sum or spread the cost across 11 monthly instalments after an upfront deposit.
What Optional Extras Does Zego Taxi Insurance Include?
Zego offers three add-ons that you can bolt onto either a 30-day or annual policy.
Breakdown cover
Roadside assistance, recovery and home-start cover across the UK. It costs £40 on an annual policy or £8 on a 30-day policy.
Replacement car cover
A courtesy vehicle keeps you earning while yours is off the road. It costs £65 on an annual policy or £10 on a 30-day policy.
No-claims discount protection
Protects your no-claims bonus if you need to make a claim. The cost is an additional 7% of your premium.
How Much Does Zego Taxi Insurance Cost?
A Zego annual comprehensive policy typically costs between £1,400 and £2,800, depending on your experience and driving record. Our full guide to taxi insurance costs breaks down the key pricing factors in more detail.
| Driver Profile | Estimated Annual Cost |
| Experienced PHV driver (4+ years NCD, clean licence) | £1,400–£1,700 |
| New badge holder (0 NCD) | £2,000–£2,800 |
| Part-time driver (30-day rolling) | From £170/month (£2,040+/yr) |
| Uber or Bolt driver (2–3 years NCD) | £1,500–£1,900 |
A 30-year-old private hire driver in London with a 2019 Toyota Prius, a clean licence and 2 years of no-claims discount might pay around £1,600 per year for comprehensive cover.
Spreading that over nine monthly instalments at an 8–11% markup would add £128 to £176 to the total annual cost.
What Affects Your Zego Taxi Insurance Premium?
Zego calculates premiums using the same core rating factors as other UK taxi insurers, plus your Zego Sense driving score if you use the app.
Driving experience and age
Younger drivers and those with fewer years on their taxi licence generally pay more. Zego accepts drivers from age 21, though premiums tend to fall as you build up no-claims history.
Vehicle type and value
Higher-value vehicles cost more to repair, which pushes premiums up. Popular private hire models like the Toyota Prius or Skoda Octavia attract lower rates because parts are widely available.
Claims and convictions history
A clean record keeps costs down. Industry data from the Association of British Insurers shows that even a single fault claim can push your renewal premium noticeably higher.
Location and mileage
Where you operate matters. Drivers in high-traffic cities like Birmingham or London typically face higher premiums than those in smaller towns, and higher annual mileage increases your exposure to risk.
How To Save Money On Zego Taxi Insurance
There are several practical ways to cut the cost of your Zego taxi insurance without reducing your cover.
Use Zego Sense to earn discounts
Consistently good driving scores through the Zego Sense app can translate into lower premiums at renewal. The app tracks speed, braking and cornering in the background.
Choose a higher voluntary excess
Increasing your excess lowers your premium, but make sure you can afford the total if you need to claim.
Pay annually instead of monthly
Monthly instalments typically add 8–11% to the total cost. Paying in one lump sum avoids that markup entirely.
Compare Zego Taxi Insurance
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Frequently Asked Questions
No, Zego focuses on private hire only. If you drive a hackney carriage or black cab, see our public hire insurance or black cab insurance pages for alternatives.
Yes. Zego is one of the few UK taxi insurers to offer a rolling 30-day policy alongside its annual option, making it popular with casual and part-time drivers.
You must be between 21 and 75 years old with a valid taxi licence. Drivers under 25 should expect higher premiums.
Yes, Zego is popular with app-based drivers on platforms like Uber and Bolt. See our dedicated Uber taxi insurance page for more detail on cover requirements.
Yes. Zego is authorised and regulated as an insurance provider in the UK, so your policy is backed by the Financial Services Compensation Scheme if the company fails.
No, Zego policies cover individual drivers, not fleets. If you run a taxi firm with multiple vehicles, see our taxi fleet insurance page for specialist fleet cover.
Yes, Zego covers hire-and-reward activities including food and parcel delivery. If delivery is your main work, our courier insurance page compares dedicated delivery policies.
You earn £10 when a friend signs up for a 30-day policy through your referral link, or £50 when they take out an annual policy.
No, Zego offers only TPO and fully comprehensive. If you want a mid-tier option, compare quotes from other insurers.
Only if you employ other people, such as drivers or office staff. The legal minimum is £5 million of employers' liability cover, with fines of up to £2,500 per day for non-compliance.
