You cannot make a claim for personal injury through Zego unless your policy includes personal accident cover.

If you were involved in an accident where you were not at fault, you may pursue a personal injury claim through a solicitor or a claims management company. In some cases, we may refer you to a credit hire organisation (CHO), which may assist with your personal injury claim and any uninsured losses, such as loss of earnings.

Alternatively, you may be able to submit your own personal injury claim through the Official Injury Claims (OIC) portal without legal representation if your injury meets the portal’s criteria.

Please note that any personal injury claim made outside of Zego, whether through the OIC or a solicitor, is separate from your insurance policy with us.