Here's how our pay-as-you-go cover works, how we work out the cost, and what you can do to get the most out of it.
The short version
Your cover is charged by the minute, with a minimum of one hour.
Work less than one hour, and you're charged for one hour
Work more than one hour, and you're charged by the minute for exactly as long as you keep going
Take a break of more than 10 minutes, and your next delivery starts a fresh session, with its own one hour minimum
How it works, step by step
Why your Zego hours might not match your provider's hours
Because every session has a one hour minimum, a 10 minute shift and a 55 minute shift cost exactly the same. That means the hours on your Zego statement won't always match the hours you spent on your provider's app.
For example
Dan works one shift of an hour with Uber Eats, then two more shifts later in the day that are 30 minutes each. He's worked two hours in total. Because each shift is a separate session with its own minimum, his Zego statement shows three hours of cover.
After the first hour, you pay for what you use
Once you pass the one hour mark, you're charged by the minute for as long as you keep delivering. There's no rounding up to the next full hour.
For example
Maya works a busy Saturday evening on Uber Eats, from 7:00pm to 9:20pm. She's charged for 2 hours and 20 minutes, not three hours.
Your hour starts when you do
Your first hour runs from the moment you accept your first job. It doesn't run to the clock. So if you accept a job at 10:25, your first hour ends at 11:25. Not at 11:00.
Frequently asked questions
What happens if I stop for a bit?
It depends how long you stop for.
If your break is 10 minutes or less, nothing changes and your session carries on as normal. So Carlos delivers for 40 minutes, waits eight minutes for his next job, then delivers for another 30 minutes. That's one session of 78 minutes, charged as one hour plus 18 minutes.
If your break is more than 10 minutes, your session ends. When you pick up your next job we'll start a new session, with a new one hour minimum. So Fatima delivers for 45 minutes, stops for 20 minutes to have lunch, then delivers for another 40 minutes. That's two separate sessions, so she's charged two hours in total, even though she worked for 1 hour and 25 minutes.
This is the part drivers ask us about most often. If you're planning a longer break, it's worth knowing it will start your minimum charge again.
What if I take jobs from different companies?
You're charged in exactly the same way, and you're never charged twice for the same time. If you're logged in to Deliveroo and Uber Eats at once, you've still only got one insurance session running.
My hourly rate has gone up. Why?
Every 12 months we take another look at the cost of your cover and whether we can still offer it. We consider all the things that go into your hourly rate, including:
Your driving history. A claim, a motoring conviction or penalty points all raise your risk level, which can raise your price
Changes in the insurance market. Inflation, rising repair costs and more claims across the industry affect prices for every driver
Changes to your cover. If you've updated your details in the past 12 months, that can change your risk level too
If we can't cover you any more after that review, we'll deactivate your account and email you to explain. Unfortunately we won't be able to reactivate your cover after that.
My charges don't match the time I had the Zego Delivery app open. Why?
Having the app open makes no difference to what you pay. Your charges come from the shift information your work provider sends us.
The good news: you don't need to keep the Zego Delivery app open while you're out delivering.