Here’s how our pay-as-you-go cover works, how we calculate the cost and what you can do to make sure you’re getting the most out of your cover.
Understanding Zego's pay-as-you-go pricing
How do we calculate the cost of your insurance?
With our pay-as-you-go delivery insurance, your cover is charged by the minute, with a minimum of 1 hour’s cover.
Here’s how it works:
Starting your shift: As soon as you accept a job with any of our delivery partners (like Deliveroo), your cover will start and you’ll be charged for 1 hour (that’s the minimum charge).
When you’re working: 1 hour after you accept your first job, we’ll check to see if you’re still making deliveries. If you’re still delivering, we’ll start charging you by the minute until you’ve finished your shift.
If you’re no longer delivering: We’ll pause your cover automatically, end your current pay-as-you-go insurance session and the Zego Delivery app will deduct the cost from your balance.
Don’t forget, there’s a 1 hour minimum charge!
As soon as you start working a shift, your insurance session will begin and you’ll be charged a minimum of 1 hour’s cover (even if you only work for 20 minutes).
This means that you might notice a difference between the length of time you’ve worked with your provider (like Uber Eats or Deliveroo) and the length of time you’ve been covered by Zego.
Here’s an example:
Dan works a 1-hour shift with Uber Eats, plus 2 separate shifts that are each just 30 minutes long. In total, his shifts with Uber Eats add up to 2 hours.
However, because our minimum charge is 1 hour, Dan’s insurance statement shows that he’s been covered for 3 hours — 1 hour for each shift worked (even those shifts that only lasted 30 minutes).
Frequently asked questions
What if I stop delivering?
If more than 10 minutes has passed before you pick up the next delivery, your current pay-as-you-go insurance session will end and the Delivery app will deduct the cost from your balance.
When you’re ready to start a new delivery shift, we’ll start a new pay-as-you-go insurance session and you’ll be charged for a minimum of 1 hour’s cover.
After you finish your shift, your cover will end and the Zego app will deduct the cost from your balance.
What happens if I accept jobs from different companies?
If you accept jobs for any of our delivery partners, you’ll be charged the same way we’ve described above. You won’t be charged more than once if you’re working with different companies.
My hourly rate has recently increased. Why has this happened?
Every 12 months, we reassess the cost and eligibility of your pay-as-you-go cover. When doing this, we consider all of the rating factors that contribute towards your hourly rate, including:
Your driving history: If you’ve had made a claim, received any motoring convictions, or penalty points, your risk level increases, which can lead to a higher premium.
Changes in the insurance market: External factors like inflation, rising repair costs, or an increase in claims across the industry can affect prices for all drivers.
Changes to your cover: If you've updated your details in the last 12 months, this could also increase your level of risk, which can lead to a higher premium.
If we are no longer able to cover you after reassessing your eligibility, we'll deactivate your account and send you an email to let you know. If this happens, unfortunately we won't be able to reactivate your cover.
My shift charges don't match up with the time I had the Zego Delivery app open. Why are they different?
Having the Delivery app open doesn't affect how you are charged for your shifts. The charges for your pay-as-you-go cover are based on the shift information we receive from your linked work provider.
The good news is, this means that you don't need to keep the Zego Delivery app open while you are making your deliveries!