NO BLACK BOX INSURANCE

No black box? No problem – get smart telematics insurance

  • No need for complicated installations – simply download the Zego Sense app and you’re ready to go!

  • Use your smartphone to track driving behaviours, eliminating the need for a physical black box

  • Get a score based on how you drive to access personalised premiums

What is black no box insurance?

No black box insurance is a fresh take on telematics that lets you track your driving with just your smartphone, no need for any gadgets to be installed in your car! It gives you all the benefits of a traditional telematics policy, but without the hassle of fitting a black box.

Traditional black box insurance can be restrictive. For example, some policies have curfews. No black box insurance with Zego Sense uses an app on your phone to track how you drive.

It’s way more flexible, easy to set up, and lets you check your driving score in real time.

Zego’s no black box 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?

  • 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 no black box insurance right for me?

Zego Sense is perfect for modern drivers who want the benefits of telematics without the hassle of a physical black box. It’s ideal for those who prefer not to have a tracking device installed in their car. Instead of being locked into restrictive driving rules or curfews, Zego Sense offers more flexibility, allowing you to drive when and where you want.

It’s also great for people who enjoy the convenience of app-based tracking. The app gives you real-time insights into your driving, helping you improve your habits. With Zego Sense, you get fairer pricing that reflects your actual driving behaviour, not just generalised stats.

Zego’s non-black box approach offers a simpler, more flexible, and convenient insurance experience. You can start your policy quickly without installation, track your performance easily, and enjoy a more personalised rate based on how safely you drive.

What insurance products does Zego offer without a black box?

How much does no black box insurance cost with Zego?

Zego’s app-based telematics insurance, Sense, offers personalised pricing based on your driving habits, rewarding safe drivers with lower premiums.

Younger drivers, who typically face higher insurance costs, can benefit from Zego Sense by earning discounts for safe driving. Experienced drivers with a history of safe driving will also enjoy lower rates, as their driving behaviour is tracked and rewarded.

Pricing varies depending on factors like age and driving history, but Zego Sense offers personalised premiums based on how well you drive, rather than relying on general stats or traditional pricing methods.

Good drivers get discounts

Sense is our app-based telematics policy. Drive safely and you could save money when you renew. Insurance that rewards good driving? Now that makes Sense.

  • 100% app-based policy – no physical black box required

  • Get a score to show how well you drive

  • Plus insights to help you drive more safely

  • Save money upfront, just for choosing Sense

  • Then drive well to get a personalised quote at renewal

How do I get cheaper car insurance without a black box?

With Zego Sense, you can improve your driving score and get personalised quotes at the touch of a button! The app tracks how safely you drive, and the better your habits, the better your rate.
  • Compare quotes from multiple providers
  • Pay annually instead of monthly
  • Improve vehicle security (alarms, immobilisers, parking in a garage)
  • Limit annual mileage
  • Take an advanced driving course
  • Maintain a clean driving history

Frequently asked questions