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Zego review

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

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Our verdict

Zego is a UK insurer for van, car and motorcycle owners who want to spread the cost across the year rather than settle one premium. The excess starts at £25, cover is written by the insurer itself, and the Financial Conduct Authority licence is 757871.

Key facts

Best for
Monthly van, car and motorcycle cover bought straight from the insurer that carries the risk.
Insurance types
Auto, Van, Motorcycle↗
Provider type
Insurer↗
Monthly payments
Yes↗
Excess from
£25↗
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↗
Claims channels
App, Online form, Chat, Phone, Email↗
Legal entity
Extracover Limited↗
Headquarters
United Kingdom↗
Support channels
Email, Chat, Phone, Help-centre↗
Pricing model
Monthly
Official website
zego.com

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
TrustpilotLinkedInyoutube.com

Pros and cons

Pros

  • Monthly payments are available and monthly is the payment model listed, so the premium is spread rather than paid up front.
  • Claims can start through app, online form and chat, covering app, online form, chat, phone and email.
  • Support runs on email, chat and phone, so phone, chat, email and the help centre are all open to you.
  • The cover limit includes third party property damage, personal accident and motor legal protection, and the excess starts at £25.

Cons

  • Support runs on email, chat and phone only, so there is no branch counter or in-person option listed.
  • The list of cover is auto, van and motorcycle, so home, travel and life insurance sit outside what Zego writes.
  • monthly is the only payment model listed, so paying the whole premium in a single payment is not offered.

Ready to try Zego?

Scored 9.4 / 10 by SumCue.

See alternatives

Who it suits

  • Van owners who use their vehicle for work and want the premium spread across the year.
  • Motorcyclists and car drivers who would rather buy from the insurer itself than a broker.
  • Drivers happy to manage the policy and start claims from the app or an online form.

Who should look elsewhere

  • Anyone whose priority is life cover: Linxea lists life, while Zego lists auto, van and motorcycle.
  • Drivers who want home, travel or gadget cover added to vehicle insurance, which EuroAsia Insurance offers through auto, home and travel.
  • Buyers after health or gadget cover alongside a policy, which Oney Préstamos ES provides through health, life and gadget.

Deposit protection

Zego is an insurer rather than a broker or a comparison site, so the policy is underwritten by the company you apply to and the premium goes to the firm carrying the risk. It is authorised by the Financial Conduct Authority under licence 757871. Because premiums are paid monthly rather than held as a balance, the money question here sits with the claim side, not with deposit protection.

The company behind it

Zego is the brand on the page, while the legal entity behind it is Extracover Limited, based in the UK. Support runs on email, chat and phone, covering phone, chat, email and a help centre. It is authorised by the Financial Conduct Authority under licence 757871, so the same company signs the policy and handles the queries.

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

What does Zego actually cover?+

Zego writes auto, van and motorcycle policies. On the van policy the cover limit includes third party property damage, personal accident and motor legal protection, with a cap set for each, and the excess starts at £25.

Can I pay for it monthly?+

Monthly payments are available, and monthly is the payment model listed. The premium is spread across the year rather than paid as a single sum, which suits drivers who would rather see smaller amounts leave the account each month.

Is Zego regulated in the UK?+

Zego is an insurer authorised by the Financial Conduct Authority, licence 757871. Insurer status means the same company writes the policy and pays the claim, rather than passing your premium to another firm.

How much is the excess?+

The excess starts at £25 on the van policy, the amount you contribute towards a claim. The cover limit for third party property damage, personal accident and motor legal protection is set separately, so excess and cover limit are different numbers.

How do I make a claim?+

Claims can start through app, online form and chat, so the app, an online form, chat, phone and email all work. The app and online form suit a claim started at your own pace; phone and chat suit a question you want answered while you wait.

How do I get help from Zego?+

Support runs on email, chat and phone, so there is phone, chat, email and a help centre, with no branch counter in the list. Policy questions are handled remotely in the UK, where Zego is based.

Is Zego an insurer or a broker?+

No, Zego is an insurer rather than a broker or a comparison site. The legal entity on the policy is Extracover Limited, and it is authorised by the Financial Conduct Authority under licence 757871.

Which market does Zego operate in?+

Zego is based in the United Kingdom, and the legal entity behind the brand is Extracover Limited. That is the market where cover is written and claims are settled, rather than a setup where the policy is passed to another market's insurer.

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

Monthly van, car and motorcycle cover bought straight from the insurer that carries the risk.

9.4/10See alternatives