Zego is a legitimate, FCA-authorised insurance provider founded in London in 2016, specialising in flexible motor insurance for couriers, delivery drivers, private hire and fleet operators. It holds a strong Trustpilot rating and is backed by serious institutional investment. Some customers report friction with claims handling, which is worth knowing before committing.
Zego was founded in London in 2016 by former Deliveroo executives and has grown into one of the UK's most prominent insurtech companies. It is fully authorised and regulated by the Financial Conduct Authority (FCA Firm Ref: 757871) and registered at Companies House (No. 10446285). The company focuses on motor insurance products tailored for gig economy workers, couriers, private hire drivers, and commercial fleets — a niche poorly served by traditional insurers. It has raised over $200 million in venture funding and operates across multiple European markets.
Zego's core strength is flexibility: it offers pay-as-you-go, daily, and annual policies, with pricing often based on telematics data collected via its app. This suits delivery riders and fleet operators who need coverage that scales with actual usage. Trustpilot scores are strong (4.6/5 from over 20,000 reviews), indicating broad customer satisfaction. However, a notable subset of complaints relates to claims handling speed and communication, which is a legitimate concern for anyone relying on Zego as their primary commercial insurance. As an FCA-regulated insurer, customers have access to the Financial Ombudsman Service if disputes arise.
UK consumers considering Zego should confirm their specific occupation and vehicle type qualifies clearly under the policy terms before purchasing — misclassification can affect claims. Read the policy exclusions carefully, particularly around vehicle use categories. The telematics requirement on some products means the app must remain active during work; technical issues with the app have occasionally caused policy disputes, so keep records of journeys. Overall, Zego is a credible, regulated choice for gig workers and fleet operators, but not a set-and-forget insurer — active management of your policy is advisable.