Pay-as-you-go food delivery insurance is a more flexible type of hire and reward (H&R) delivery policy. It’s charged by the hour, so you only pay for your insurance when you need it. This can make it a good choice for part-time or occasional delivery drivers.

Pay-as-you-go delivery insurance works alongside your existing Social, Domestic and Pleasure (SD&P) cover. So you’ll need an SD&P policy in place before you buy pay-as-you-go delivery cover with us.

Here’s our full guide to pay-as-you-go food delivery insurance.

With our pay-as-you-go H&R delivery insurance, you only pay for your cover when you’re working.

Here’s how it works:

1. Starting your shift
As soon as you accept a job with any of our delivery partners (like JustEat or Deliveroo), your cover will start and you’ll be charged for 1 hour, the minimum charge.

2. When you’re working
One hour after you accept your first job, we’ll check to see if you’re still making deliveries. If you’re still delivering, we’ll start charging you by the minute until you’ve finished your shift.

3. If you’re no longer delivering
We’ll pause your cover automatically, ending your current pay-as-you-go insurance session. The Zego Flex app will deduct the cost from your balance.

Find out more about how pay-as-you-go delivery insurance works.

As a Zego Delivery customer, it’s important that your Zego policy is correctly linked with every provider you work with. It keeps your account active, validates your insurance policy with us and makes sure that all your shifts are logged in the Zego Delivery app.

Checking which providers you’re linked with and confirming that you’re linked correctly in the Zego Delivery app is easy.

Simply follow the steps in this article to double-check.

If you have a work provider account that isn’t linked properly, you’ll need to remove it, and then re-link it again in the Zego Delivery app.

Here’s how to re-link your policy with a work provider.

Please note: If you’re linked with a work provider, but you don’t work a shift with them for 30 days or more, they’ll be removed from your Zego account. To work another shift, you’ll need to link with them again and download a new copy of your Letter of Enrolment.

First, make sure you have the latest version of the app installed on your phone.

Here’s how to change your address in the Zego Delivery app for pay-as-you-go (Flex) accounts

1. Open the Zego Delivery app.
2. Tap ‘You’ at the bottom of the screen, then select your pay-as-you-go account.
3. Scroll to ‘Address details’ on this page and tap ‘Update address’.
4. Enter your postcode and select your address (you can use your postcode to automatically find your address, or enter it manually).
5. Once you’ve entered your new address details, tap ‘Continue’.
6. On the next page, you’ll see your new insurance price by the minute.
7. Once you’re happy, tap ‘Continue’ and your address will be updated.

Watch our short video on how to change your address in the Zego Delivery app.

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Here’s how to change your address in the Zego Delivery app for 30 Day & Annual fixed policies paid upfront

1. Open the Zego Delivery app.
2. Tap the ‘You’ option at the bottom of the screen.
3. Scroll to the ‘Address’ section and then tap ‘Update address’.
4. Enter your postcode and select your address (you can use your postcode to automatically find your address, or enter it manually).
5. Once you’ve entered your new address details, tap ‘Continue’.
6. On the next page, you’ll see your new monthly or annual insurance price.
Please note: any reductions in premium price will be refunded onto the same card you made your most recent payment with.
If there is a premium increase, you’ll be charged a one-off payment. You can use the same card you made your initial payment with, or add a new card. 
7. Once you’re happy, tap ‘Pay & Continue’ and your vehicle details will be successfully updated.

Watch our how-to video on how to update your address details in the Zego Delivery app.

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Here's how to change your address in the Zego Delivery app for Annual policies paid in instalments

1. Open the Zego Delivery app.
2. Tap ‘You’ at the bottom of the screen.
3. Select the annual policy you would like to change.
4. Scroll to ‘Address details’ on this page and tap ‘Update address’.
5. Enter your postcode and select your address (you can use your postcode to automatically find your address, or enter it manually).
6. Once you’ve entered your new address details, tap ‘Continue’.
7. On the next page, you’ll see your new annual insurance price. Depending on your new vehicle, you’ll be prompted with the following steps:

Payment increase:
You’ll be shown your remaining balance to pay and prompted to tap ‘Continue to payment options’. This remaining balance can be settled as one single payment or deducted equally from your outstanding monthly insurance payments. Tap ‘Pay & continue’ once you’re happy.

*If you’ve already settled your monthly payments and your premium has increased, you’ll need to make a one-off payment to cover your insurance for the remaining time of your policy agreement. When prompted you’ll need to accept the Zego terms of business tick box and tap ‘Pay & continue’ to proceed.

Payment decrease:
You’ll be shown the amount we owe you. The remaining balance will be deducted from your outstanding monthly insurance payments. That means your new monthly payments will be adjusted. Tap ‘Pay & Continue’ once you’re happy.

*If you’ve already settled your monthly payments and your premium has decreased, we’ll refund you a one-off payment to the most recent card you made payment with.

No change:
When there is no change or refund applicable, all you need to do is tap ‘Continue’.

Watch our how-to video on how to update your address details in the Zego Delivery app.

*If you have more than one policy with us, you’ll need to speak with our Customer Support team to make changes to your address.

First, make sure you have the latest version of the app installed on your phone.

Here’s how to change your vehicle details in the Zego Delivery app for pay-as-you-go (Flex) accounts

1. Open the Zego Delivery app.
2. Tap the ‘Cover’ option at the bottom of the screen.
3. Scroll to ‘Vehicle details’ on this page and tap ‘Update vehicle’.
4. Enter your new car registration number and tap ‘Continue’.
5. Tap ‘Update vehicle’ to enter your new vehicle details (e.g no. of seats, engine size and value). Please note, if the ‘Update vehicle’ button is grey then we have all the information we need and you can move on to the next step.
6. Review the information on the page to make sure it’s up to date and tap ‘Continue’.
7. Enter the amount of no claims discount (NCD) years you have and tap ‘Continue’.
8. Select either ‘I do’ or ‘Someone else’ when answering “Who owns the vehicle?”. Please note, if the vehicle belongs to someone else, you’ll need to provide your relationship to that person and tap ‘Continue’.
9. Enter the date the vehicle was purchased (DD/MM/YYYY) and tap ‘Continue’.
10. Review the updated information and tap ‘Continue’.
11. On the next page, you’ll see your new insurance price by the minute.
12. Once you’re happy, tap ‘Accept’ and your vehicle details will be successfully updated.

Watch our how-to video on how to update your vehicle details for a Flex policy in the Zego Delivery app.

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*These instructions are for customers who bought their policy through our app.

Here’s how to change your vehicle details in the Zego Delivery app for 30 Day & Annual Fixed Car policies paid upfront

1. Open the Zego Delivery app.
2. Tap the ‘Cover’ option at the bottom of the screen.
3. Select the policy you’d like to make changes to e.g. Car Delivery (SD&P and H&R FC)
4. Scroll to ‘Vehicle details’ on this page and tap ‘Update vehicle’.
5. Enter your new car registration number and tap ‘Continue’.
6. Tap ‘Update vehicle’ to enter any missing details (e.g. no. of seats, engine size and value).
7. Review the information on the page to make sure it’s up to date and tap ‘Continue’.
8. Enter the amount of no claims discount (NCD) years you have and tap ‘Continue’.
9. Select ‘I do’ or ‘Someone else’ when answering “Who owns the vehicle?”. Please note, if the vehicle belongs to someone else, you’ll need to provide your relationship to that person and tap ‘Continue’.
10. Choose an option for where you leave your vehicle overnight from the list on the screen e.g. a ‘Locked Building’ and tap ‘Continue’.
11. Enter the date the vehicle was purchased (DD/MM/YYYY) and tap ‘Continue’.
12. Enter how many total miles you expect to drive in a year and how many personal miles you expect to drive per year and tap ‘Continue’.
13. Review the updated information tap ‘Edit vehicle’ to make any additional changes and/or ‘Continue’ when you’re happy.
14. On the next page, you’ll see your original and new monthly or annual insurance price.

Please note: any reductions in premium price will be refunded onto the same card you made your most recent payment with. If there is a premium increase, you’ll be charged a one-off payment.

You’ll be charged using the same card you made your initial payment with, unless you change your default card before changing your vehicle details. 

Once you’re happy, tap ‘Pay & Continue’ and your vehicle details will be successfully updated.

Watch our how-to video on how to update your vehicle details in the Zego Delivery app for Fixed Car policies.

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Here’s how to change your vehicle details in the Zego Delivery app for Annual policies paid in instalments

1. Open the Zego Delivery app.
2. Tap the ‘Cover’ option at the bottom of the screen.
3. Select the policy you’d like to make changes to e.g. Annual Fully Comprehensive SD&P + H&R
4. Scroll to ‘Vehicle details’ on this page and tap ‘Update vehicle’.
5. Enter your new car registration number and tap ‘Continue’.
6. Tap ‘Update vehicle’ to enter any missing details (e.g. no. of seats, engine size and value).
7. Review the information on the page to make sure it’s up to date and tap ‘Continue’.
8. Enter the amount of no claims discount (NCD) years you have and tap ‘Continue’.
9. Select ‘I do’ or ‘Someone else’ when answering “Who owns the vehicle?”. Please note, if the vehicle belongs to someone else, you’ll need to provide your relationship to that person and tap ‘Continue’.
10. Choose an option for where you leave your vehicle overnight from the list on the screen e.g. a ‘Locked Building’ and tap ‘Continue’.
11. Enter the date the vehicle was purchased (DD/MM/YYYY) and tap ‘Continue’.
12. Enter how many total miles you expect to drive in a year and how many personal miles you expect to drive per year and tap ‘Continue’.
13. Review the updated information tap ‘Edit vehicle’ to make any additional changes and/or ‘Check my new price’ when you’re happy.
14. On the next page, you’ll see your new annual insurance price. Depending on your new vehicle, you’ll be prompted with the following steps:

Payment increase: you’ll be shown your remaining balance to pay. This remaining balance will be deducted equally from your outstanding monthly insurance payment. Tap ‘Continue’ once you’re happy.

*If you’ve already settled your monthly payments and your premium has increased, you’ll need to make a one-off payment to cover your insurance for the remaining time of your policy agreement. When prompted you’ll need to accept the Zego terms of business tick box and tap ‘Pay & continue’ to proceed.

Payment decrease: you’ll be shown the amount we owe you. The remaining balance will be deducted from your outstanding balance. That means your new monthly payments will be adjusted. Tap ‘Refund & Continue’ once you’re happy.

*If you’ve already settled your monthly payments and your premium has decreased, we’ll refund you a one-off payment to the most recent card you made payment with.

No change: when there is no change or refund applicable, all you need to do is tap ‘Continue’.

Watch our how-to video on how to update your vehicle details in the Zego Delivery app for Fixed policies paid in instalments.

First, make sure you have the latest version of the app installed on your phone.

1. Open the Zego Delivery app.
2. Tap the ‘You’ option at the bottom of the screen.
3. Select ‘Personal details’ from the list on the screen.
4. Scroll to the bottom of the page and tap ‘Update personal details’.
5. Enter your new email address and/or phone number, then tap ‘Update’.
6. You’ll get an email from us to verify the details you’ve entered. Follow the instructions in this email to finish updating your personal details.

Watch our how-to video on how to update your personal details in the Zego Delivery app.

*If you have more than one policy with us, you’ll need to speak with our Customer Support team to make changes to your vehicle details.

You can get your Letter of Enrolment in the Zego Delivery app. Don't worry, it only takes a few seconds. Follow the steps below:

1. Open the Zego Delivery app.
2. Tap the ‘Documents’ option at the bottom of the screen.
3. Select ‘Letter of Enrolment’ from the list shown.

Find out more on how to find your letter of enrolment.

If you have a pay-as-you-go delivery account with us, you can manage your payments using the Zego Delivery app.

Check out our guide to managing your payments to learn more.

The minimum charge for our pay-as-you-go delivery insurance is 1 hour. So, as soon as you start working a shift, your 1-hour insurance session will begin, even if you only end up working for 20 minutes.

This means that you might notice a difference between the length of time you’ve worked with your provider, and the length of time you’ve been covered by Zego.

Here’s an example:
Dan works a 1-hour shift with Uber Eats, plus 2 separate 30-minute shifts. In total, his shifts with Uber Eats add up to 2 hours.

However, because our minimum charge is 1 hour, Dan’s insurance statement shows that he’s been covered for 3 hours — 1 hour for each shift worked (including those shifts that only lasted 30 minutes).

You can learn more about how our pay-as-you-go insurance works here.

To help us check whether you’ve been overcharged for a shift, we’ll need to see proof of the shift where the incorrect charges took place.

You can get this from your work provider by requesting an invoice from them which shows:

• The exact time and date you were overcharged, and
• Your work provider account details
  

Once you've received this from your work provider, please email it to us at [email protected]. We'll review the information and, if an error has occurred, we’ll issue a refund.

You can find out more here.

Yes, you can. When we disable customer accounts, this usually means we can't top up your account using the default payment card saved in the Zego Delivery app. All you need to do is update your payment card and top up to get insured again. Here’s how to do it:

First, make sure you have the latest version of the app installed.

1. Open the Zego Delivery app.
2. Tap the ‘Payments’ option at the bottom of the screen.
3. Tap on ‘Your cards’.
4. Add the long card number, expiry date and CVC of your new card and then tap ‘Add card’.
5. The new card will be listed under the cards on your account.
6. Make this new card your default by tapping the “···” on the right-hand side of the card.
7. Select ‘Make default’ from the pop-up.
8. Head back to the ‘Payment’ screen and top up your account to complete the process.
9. After you’ve topped up, you’ll see a green pop-up confirming your policy is now re-enabled.

Watch our short video on how to re-enable your Flex policy in the Zego Delivery app.

What if my account is still disabled after following the steps above?
If your account is still disabled, it may mean your Social, Domestic and Pleasure (SD&P) cover has expired.

If your SD&P cover has expired, you'll need to do one of the following:

• Set up a new 30 Day SD&P policy with Zego, or;
• Email [email protected] with a copy of your certificate of SD&P insurance from another insurer with your full name, vehicle registration number, and policy expiration date.

Our pay-as-you-go Delivery insurance only works if you have an SD&P policy in place. This type of insurance cover means that your vehicle remains insured whilst you aren't working a shift. Without an active SD&P policy, we can't provide you with pay-as-you-go cover.

What if my account is still disabled and my Social, Domestic and Pleasure (SD&P) cover hasn't expired?
If your account is still disabled, this may mean your pay-as-you-go account balance is below £10. To reactivate your cover, you’ll need to top up your account balance by following the steps above.

To help prevent your balance from dropping below £10, you can turn on Auto top-up from the 'Payment' screen in the app.

With this Auto top-up switched on, your account balance will automatically be topped up from your saved bank card whenever it drops below £10.

First, make sure you have the latest version of the app installed on your phone.

Here’s how to cancel your Flex account in the Zego Delivery app

1. Open the Zego Delivery app.
2. Tap the ‘Cover’ option at the bottom of the screen.
3. Select the Flex policy you want to cancel.
4. Scroll to the bottom of the page and tap ‘Cancel your policy’.
5. Read the information carefully, select a reason for cancellation, then proceed by tapping ‘Yes’.
6. If you have an outstanding balance, and your Flex policy is still active, you’ll be asked to pay this before we can process your cancellation. If you still have money in your Flex account, your refund will be sent to the same card you made payment with.
7. Your cancellation will be completed after you confirm your refund or settle your outstanding balance.

Watch our how-to video on how to cancel your pay-as-you-go account in the Zego Delivery app.

*Please note: you’ll receive a full refund of the card payments made. This does not include any promotional credit or goodwill provided by us. 

**If your Flex policy has been disabled and the balance is below £0, you’ll need to speak to our Customer Support team to cancel.

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Here’s how to cancel your 30 Day or Annual policy in the Zego Delivery app

These instructions are for customers who bought their policy through our app.

1. Open the Zego Delivery app.
2. Tap the ‘Cover’ option at the bottom of the screen.
3. Select the policy you want to cancel, for example, ‘Annual Combo (Third Party Only)’.
4. Scroll to the bottom of the page and tap ‘Cancel your policy’.
5. Select a reason for cancellation, then proceed by tapping ‘Continue’.
6. Read the information carefully, once you’re happy select ‘I understand’ and then tap ‘Continue’.
7. On the next page, you’ll be shown your ‘Cancellation quote’. Here you’ll see your original premium, premium paid to date, used premium and refund amount.
8. Your refund will be sent to the same card you made your insurance payment with. This does not include any promotional credit or goodwill provided by us.
9. Your cancellation will be completed after you confirm your refund and tap ‘Complete Cancellation’.

Please note, 30 Day customers that cancel their policy with us, won’t receive a refund. Annual customers who pay for their insurance in instalments (PCL), may be prompted to pay an outstanding balance.

Watch our how-to video on how to cancel your fixed policy in the Zego Delivery app.

We work with a number of delivery partners, ranging from food to parcel delivery. If you have a Pay As You Go and 30 Day H&R policy, drivers are only covered with the following work providers:

- Uber Eats
- Deliveroo
- Just Eat
- Stuart
- Gophr
- Ryde
- GoGetters
- Vromo
- DeliveryApp
- Apache Pizza

If you have a 30 Day or Annual Combo policy, you can use your policy with any work provider. Don't worry if you don't see your work provider in the list above.

To learn more about different food delivery companies and their marketshare view our food delivery statistics page.

*Currently, we do not offer our Pay As You Go or 30 Day Hire & Reward (H&R) insurance to Amazon Flex drivers.