Zego Taxi Insurance
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Why Compare Zego Taxi Insurance Quotes With SimplyQuote?
SimplyQuote understands how difficult finding a new insurance provider can be, especially when you’re working long hours as a taxi driver. Comparing private hire taxi insurance quotes can be time-consuming, stressful and inconvenient, right?
Luckily, the 100% free, online comparison tool streamlines the entire process. Gain exclusive access to Zego Insurance deals in just a few minutes.
Seriously, finding cheap taxi insurance has never been this simple or stress-free!
What Do You Need To Get A Quote?
This is what Zego Insurance will need to calculate an accurate private hire taxi quote:
- Personal details – name, surname, age
- Taxi service/business details – part/full time, working hours, average mileage, location
- License details – valid UK/EU driving licence, driving history
- Vehicle details – make, model, age, registration, size
- Insurance details – claims history
- Policy details – the type of cover you are interested in
Who Are Zego Insurance?
Zego Insurance, founded by Sten Saar and Harry Franks in 2016, is a London-based commercial motor insurance company that is on a mission to provide the lowest insurance for good drivers.
Their tech-driven insurance strategy (a.k.a. Zego Sense) has revolutionised the conventional insurance game by offering gig economy workers (those using their own vehicles for multiple business activities) customised insurance plans.
They offer a wide range of vehicle insurance across the UK and Europe, specialising in:
- Private hire taxi insurance
- Uber Eats food delivery insurance
- Delivery insurance
- Business and courier van insurance
- Scooter/motorbike insurance (for food and parcel delivery)
- Commercial fleets
Zego at a glance
- 4.4/5 star Trustpilot rating (with 9,600+ reviews)
- 3.7/5 start Google rating (with over 3,300 reviews)
- Over 58 million policies issued
- Over 500,000 vehicles insured
- Over 240 UK employees
- “Very good pricing and service. Definitely recommend to anyone looking for taxi insurance.” – Google reviewer, May 2024.
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Why Do You Need Taxi Insurance In The UK?
It’s a legal requirement to have the appropriate motor vehicle insurance to drive on UK roads.
If you transport passengers from A to B via pre-booked taxi services, you need taxi insurance to remain legally compliant. This also applies if you provide food and parcel deliveries in exchange for payment (i.e. hire and reward).
This is to ensure you are lawfully and financially protected against any third-party claims for causing death or injury while driving.
Note: Standard car insurance (e.g. social, domestic and pleasure; SD&P) does not provide cover for private hire taxis.
Who can get taxi insurance from Zego?
You must:
- Be between 21 and 75 years old
- Hold a valid taxi licence
- Have no more than nine penalty points (Ireland)
- Have no more than three fault claims in the last three years (Ireland)
What Is Zego Private Hire Taxi Insurance?
Zego private hire taxi insurance caters to drivers who use their vehicles for pre-booked private taxi services.
This insurance is available for taxi drivers who drive:
- Casual
- Part-time
- Full-time
Taxi drivers can either work independently or for passenger-hailing platforms like Uber or Bolt.
What is Zego Sense?
Zego Sense is a ground-breaking app-based tool that provides “insurance for good drivers”.
It evaluates driver behaviour in real time and adjusts insurance premiums according to driving habits – similar to telematics devices.
Zego Sense is available for:
- Private hire taxi drivers – transporting pre-booked passengers in exchange for payment.
- Business van drivers – transporting staff to and from work and/or as the business needs.
The Zego Sense app has redefined conventional norms by steering in a new era of adaptability, flexibility, budget control and efficiency.
What Does Zego Private Taxi Insurance Cover?
Zego’s comprehensive taxi insurance policy covers:
- Private hire taxi work and personal driving
- Food and parcel delivery
- Legal liability claims
- Public liability cover (up to £10 million)
- Loss, damage or theft of your vehicle
- Windscreen cover (excess = £25)
- Audio, communication and navigation equipment (excess = £500)
What isn’t covered?
- Normal wear and tear
- Driving with an expired/suspended license
- Driving under the influence of alcohol or drugs
- Damages caused due to negligence
- Damaged caused due by reckless driving (i.e. not obeying traffic laws)
- Unnamed/uninsured drivers
What Types Of Taxi Insurance Does Zego Offer?
Private hire drivers can choose from two types of taxi insurance policies:
30-day policy
Best for: Casual and part-time drivers
- Short-term private hire insurance cover.
- Includes personal use (SD&P) cover.
- Includes hire and reward (H&R) cover.
- Single payment.
- Bonus: Receive £10 when a friend signs up via the referral programme.
Annual policy
Best for: Full-time drivers
- Long-term private hire insurance cover.
- Cost-effective option.
- Includes personal use (SD&P) cover.
- Includes hire and reward (H&R) cover.
- Available as a single payment or nine monthly instalments (deposit required).
- Bonus: Receive £50 when a friend signs up via the referral programme.
What Levels Of Zego Taxi Insurance Are Available?
There are two levels of taxi insurance to choose from:
Third-party only (TPO)
TPO is the lowest level available and the minimum required by UK law. It protects you against third-party claims should you injure someone or damage their property while on duty. It does not cover vehicle repair or driver medical costs if you’re involved in an accident.
Fully comprehensive
Fully comprehensive offers the widest range of cover in the UK. It covers basic TPO as well as other benefits as mentioned above.
Note: Zego does not offer the “usual” third party, fire and theft mid-tier level.
What Optional Extras Are Available For Zego Taxi Insurance?
Here are a few policy add-ons:
Breakdown cover
A combination of roadside assistance, recovery and home cover within the UK.
Cost: £40 (on annual policy); £8 (on 30-day policy)
Replacement car cover
Zego provides a courtesy vehicle to ensure business continuity.
Cost: £65 (on annual policy); £10 (on 30-day policy)
No-claims discount cover
Protects your no-claims bonus.
Cost: +7% of your premium
How Much Does Zego Taxi Insurance Cost?
A private hire taxi driver can expect to pay:
- £180 – £200 per month = 30 day policy
- £1,600 – £1,800 per year = annual policy
What influences taxi insurance premiums?
- Taxi driver age
- Vehicle make and model
- Mileage
- Claims history
- Driving history/licence points
- UK location
How Can You Get Cheaper Taxi Insurance Rates?
There are many ways to lower your taxi insurance premiums, such as:
- Compare quotes to get the best deal.
- Limit your mileage (if possible).
- Upgrade to a newer vehicle (if possible).
- Keeping a clean driving record.
- Be a responsible driver.
- Ensure your driving licence is always valid.
- Secure taxis overnight/when not in use (e.g. private driveway or locked garage).
- Keep up-to-date with annual vehicle services.
- Opt for annual payments as opposed to monthly instalments.
How To Compare Zego Taxi Insurance With SimplyQuote?
Compare Zego Insurance quotes with SimplyQuote in four easy steps:
- Fill in the short form with your personal and vehicle details.
- Select which policy add-ons you want to include.
- Find a quote that suits your budget and taxi insurance needs.
- Start saving today!
Frequently Asked Questions
No, Zego does not offer public-hire taxi insurance cover.
Yes, Zego Insurance offers European fleet insurance in the Netherlands and France.
Zego’s physical address is:
Exchange House,
12 Primrose Street
7th Floor
London
EC2A 2EG