What is black box insurance?
This data is used to calculate your renewal premium based on how safely you drive.
The benefits include personalised premiums for safe drivers, real-time feedback to improve driving, and a more tailored approach to car insurance.
Zego's telematics insurance
Sense is currently available with our private hire, car insurance, and van insurance for business and personal use.
How Zego’s telematics works
With Zego Sense, there is no physical black box required.Data is collected through your smartphone
The app monitors your driving over time using sensors
Your driver score reflects your driving habits
Higher scores earn personalised renewal quotes
Easy and quick to download
Why choose Zego Sense?
Zego Sense gives you a bespoke renewal premium based on how well you drive.Price based on your personal driving habits
Monitor your driving in real time via the app
Tailored policies designed just for you
Access flexible policies at the touch of your phone
No need to install a black box!
How to get started with Zego telematics
Signing up couldn’t be easier, simply secure your quote and download the app!Get a quote online and choose the type of cover you want
Remember to select ‘Sense’ at checkout
Download the app and switch on permissions
The app measures how well you drive over time
This will influence your renewal price when the time comes
What kind of cover does Zego Sense provide?
Fully comprehensive
This is the top level of cover. If you’re involved in an accident, it protects you and your vehicle, plus other people and their property. You’ll also be covered for legal fees and compensation payouts if you’re found to be at fault.Third party only
This cover is the minimum level of coverage required by law. It protects other people and their property, but it doesn’t cover you. So you’re protected if someone gets injured and tries to sue you, but you won’t be covered if you get hurt or your car gets damaged.Third party, fire & theft
This level of car insurance provides a middle ground between comprehensive and third party only coverage. It protects you against damage caused to other people’s property or injuries to others.
Is telematics insurance right for me?
Zego Sense recognises safe driving by rewarding responsible drivers, regardless of their age or experience.
Young drivers often face higher premiums due to inexperience. Telematics tracks driving habits and rewards safe driving no matter what your age.
Telematics policies can also offer lower premiums for low-mileage drivers who don’t drive much, as insurance costs are partially based on mileage and usage.
Safe drivers can benefit from premiums that take into account good driving habits like smooth braking and cornering.
How does a telematics device or black box work?
With app-based telematics there is no black box, your smartphone's sensors track key driving factors like speed, braking, acceleration, and cornering - perfect for new drivers looking to prove their safe driving habits.
Alternatively, you could get black box van insurance but we offer a less intensive method which still provides data for accurate pricing.
Choose an app-based telematics policy today with Zego Sense to enjoy personalised insurance rates, real-time feedback, and the peace of mind that comes with knowing you're paying only for the coverage you need.
Your driver score
Measures how well you’re driving
Your driver score is a reflection of how safely you drive. Based on factors like speeding, braking, cornering and acceleration, this score helps determine your premium. The better your driving, the more control over your renewal quote!Driving habits
Adopt safe skills
Harsh braking, rapid acceleration, and speeding can lead to unsafe driving scores. Poor driving habits not only increase your risk on the road, but can also raise your insurance premiums. Drive safely to maintain a personalised quote!Cornering, speed & braking
Maintain control
Fast cornering, excessive speeding, and harsh braking can all negatively affect your driving score. Smooth driving leads to better safety. Focus on maintaining control and steadying your speed!Reviewing your journeys
Assess your performance
With telematics, you can review each journey and get insights into your driving habits. Check your score regularly to spot areas for improvement. By making small changes, you can boost your score!
Am I eligible for a telematics quote?
- You have a full UK/EU driving licence
- You're aged 21-65
- You live and work in England, Scotland, or Wales
- You’ve had no more than two claims in the past three years (regardless of fault)
- You're the vehicle owner or registered keeper
- The current vehicle value is less than £30,000
What insurance products does Zego telematics cover?
New driver car insurance
Comprehensive car insurance for new drivers. Drive safely and you could pay less when you renew.Private hire taxi insurance
For self-employed taxi drivers working independently or with providers like Uber and Bolt.Van insurance for business use
For contractors, tradespeople and business owners using vans for work.Van insurance for personal use
Van insurance for personal trips and everyday driving.
Frequently asked questions