TELEMATICS CAR INSURANCE
Good driving deserves more.
App-based telematics insurance – no black box needed
Get rewards for good driving – up to £60 a year
Renewal price based on how you drive
What is telematics insurance?
An app tracks things like speed, braking and cornering, so good drivers pay less. Because it's app-based, there's no intrusive black box, just clear insight into how your driving shapes your price.
You also get feedback that helps you drive more smoothly over time. If you're a confident, careful driver, it's one of the best ways to avoid overpaying for cover.
Good driving now gets you Rewards.
Here’s how it works:
1. Drive well
2. Get points
3. Treat yourself
What’s included in your Sense telematics policy?
- Zego Rewards* - up to £60 a year in gift cards for your good driving
- Everyday driving and commuting to a single place of work or study (SD&P)
- Loss, theft, or damage of your vehicle and its spare parts
- Damages to others up to £20m
- NCD protection against vandalism
- NCD protection against uninsured drivers
- New car replacement
- Key and lock cover
Pick the cover that fits your needs
Essential
Just the basics, at our lowest price.Compulsory excess of £650
Onward travel up to £300
Personal accident up to £3.5k
Core
Our everyday all-rounder, with windscreen cover and a courtesy car built in.Compulsory excess of £500
Onward travel up to £400
Personal accident up to £5k
Personal belongings up to £500
EU cover for up to 90 days
Electric
Same cover as Core plus EV perks, made for electric and plug-in drivers.Compulsory excess of £500
Onward travel up to £400
Personal accident up to £5k
Personal belongings up to £500
EU cover for up to 90 days
Zoom EV subscription*
Max
The full works, with our most complete cover and extras included as standard.Compulsory excess of £600
Onward travel up to £500
Personal accident up to £7.5k
Personal belongings up to £600
EU cover for up to 90 days
Breakdown cover & legal expenses
Are you covered to drive in Europe?
No add-ons and no phone calls before you travel. Pick the tier that suits you and your cover crosses the Channel with you.
Driving an electric vehicle?
Discounts from EV brands across the market, from charging and parking to home energy and battery testing. We'll send your details 14 days after your policy starts.
Why Sense is the right choice
100% app-based telematics policy – no black box needed
Get rewards for good driving – gift cards from Amazon, Tesco and more
Renewal price based on how you drive, not just your age or job title
Real-time driving insights sent straight to your phone
Why drivers trust Zego
94m
750k
96%
Is Sense right for you?
- I'm 24–60 years old
- I live in the UK
- I have no previous claims or motoring convictions
- I hold a full or provisional UK driver’s licence
- My car is valued at less than £30,000
Trusted by 100,000’s of UK drivers
Read about telematics insurance
Is telematics insurance cheaper?
Here we explain if telematics insurance can really save you money vs regular car insurance.
What’s the difference between telematics and black box insurance?
Is telematics just the same as black box? Lets find out...
How to improve your driver rating
Find out how Zego really calculates your driver rating which can affect your renewal premium.
Sense telematics insurance FAQs
"94 million policies sold..." - based on the total number of policies sold by Zego as of 10/06/26.
"750k drivers have chosen us..." - based on unique customers who have held a Zego policy as of 10/06/26.
“96%..” – Based on Zego customers who have been insured on Sense policies and have a driver rating, between 01/06/2025 and 01/08/2025.
"...£60 a year..." – If a rating of 'Excellent' is consistently maintained over the full course of the policy. Available to annual policy holders only.