BLACK BOX INSURANCE

Drive your way with our app-based black box insurance

  • Easy to set up and access your driving data

  • Get a personalised driver score based on factors like braking and speeding

  • No physical black box required – all you need is your smartphone

What is black box insurance?

Black box insurance, also known as telematics, uses a device to monitor driving habits like speeding, acceleration, braking, and cornering.

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

Zego’s app-based telematics insurance, called Sense, is all about rewarding good driving. Instead of a one-size-fits-all price, Zego Sense tailors your premium based on how smoothly and safely you drive – looking at things like acceleration, braking, speed, and cornering. This is all measured through your phone’s sensors.

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?

  • insurance shield icon

    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 icon

    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 and theft icon

    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?

The main advantage of telematics-based pricing is its personalised approach. Premiums are based on real driving data as opposed to generalised assumptions.

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?


Whether you use app-based telematics like Zego Sense or a physical black box, both are designed to track your driving behaviour, rewarding you with personalised premiums.

With app-based telematics there is no black box, your smartphone’s sensors track key driving factors like speed, braking, acceleration, and cornering. Alternatively, a physical black box installs directly into your car, providing 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?

Frequently asked questions