Insurance that moves with you. It starts with Sense.
Simple as that.
1. Download the Sense app
2. Start driving
3. Unlock our best price at renewal
Telematics Insurance with Sense
Private hire taxi insurance
For private hire drivers working independently or with platforms like Uber and Bolt.Van insurance for business use
For tradespeople and business owners using a van to carry out work.Van insurance for personal use
Van insurance for personal trips and everyday driving.New driver car insurance
For new drivers using their cars for personal trips and commuting to work.
Zego's telematics insurance
Our Sense Telematics car insurance product is currently available with our personal car insurance (social domestic and pleasure), private hire and van insurance for business or personal use policies.
How Zego’s telematics insurance works
With Sense, there is no physical black box required.Your driving data is collected through your smartphone
The app monitors your driving over time using sensors
Your driver rating reflects your habits
Higher driver ratings earn you a personalised renewal quote
Easy and quick to download
Why choose Sense?
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
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
Pick a Sense policy
Download the app and switch on permissions
The app measures how well you drive over time
This will influence your renewal
How does a telematics device or black box work?
With app-based telematics, your smartphone’s sensors track key driving factors like speed, braking, acceleration, cornering and rest. Alternatively, a physical black box installs directly into your car.
Choose an app-based telematics policy today with 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 rating
Measures how well you’re driving
Your driver rating is a reflection of how safely you drive. Based on factors like speeding, braking, cornering, acceleration and rest, this driver rating helps determine your premium.Driving habits
Adopt safe skills
Harsh braking, rapid acceleration, and speeding can lead to a bad driving rating. Poor driving habits not only increase your risk on the road, but can also raise your insurance premiums.Cornering, speed & braking
Maintain control
Fast cornering, excessive speeding, and harsh braking can all negatively affect your driver rating. Smooth driving leads to better safety.Reviewing your journeys
Assess your performance
With Sense, you can review each journey and get insights into your driving habits. Check your driver rating regularly to spot areas for improvement.
Is telematics insurance right for me?
Sense recognises safe driving by rewarding responsible drivers, regardless of your 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.
What happens with your driving data?
Good to know
Your driver rating is always changing
As your phone sends driving data to us at different times (not immediately after each trip), you might notice your driver rating changes when you haven't been driving recently. We also use data from a longer time period than just your recent trips to more accurately reflect how you drive.
This means your driver rating is always updating. It's designed to show both you and us how your driving is improving over time.Why we need app permissions
To get the most out of your policy, we need a few permissions. Setting your location to ‘Always Allow’ lets us know when journeys start and end, so you’re covered at the right times.
Motion access helps us understand how you drive, so we can give you a fair, accurate driver rating.
With background app refresh on, your driver rating stays up to date to give you an accurate reading.We classify your trips
Our app is great at recognising when you're driving and when you're a passenger or on a bus or train, though it may not catch every instance perfectly.
However, as long as you drive regularly, we can still accurately track your real driving and give you a reliable driver rating.Get going to see your driver rating
Before you can get a driver rating, you’ll need to complete at least five trips and 65 miles (100km).
That’s because we need a certain amount of driving data before we can calculate your driver rating.
What car insurance do new drivers need?
What our customers say
I have only insured my car with Zego and was impressed with the clear instructions they provide on their site and app. Excellent customer service too.
This app has excellent service and is also very helpful. The price is a reasonable amount too! Overall, I really like this app.
Great to know how driving carefully rewards you with lower premiums. This is the way forward!
Why we’re the right choice for car insurance
81m
575k
96%
Frequently asked questions
“81 million...” – Based on the total number of policies sold by Zego as of 23/07/25
“575K drivers...” – Based on the number of fixed policies sold by Zego as of 23/07/25
“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