Follow these instructions to set up your pay-as-you-go cover. If you'd like to know more about it before signing up, check out this article: What is pay-as-you-go food delivery cover?
Downloading the Zego Delivery app
If you are looking for pay-as-you-go cover, you'll first need to download the Zego Delivery app.
You can do this by scanning the QR code below, by visiting the Apple App Store or the Google Play Store (depending on your device).
Setting up your account
Once you've installed the Zego Delivery app, you'll need to set up your account by following the steps below.
1. Open the app and select whether you are in the UK or Ireland.
2. Tap the 'Register' button.
3. Add your details to the following screen. If you have a referral code from another Zego pay-as-you-go customer, tap 'Got a referral or promo code?' and add it here.
4. Once you're ready, tap 'Register'.
5. Next you'll receive an email from us to verify your email address. If you can't find it in your inbox, check you spam/junk folder. Open the email and tap on the 'Verify Email' button.
Once your email address has been verified, your account is set up and you're ready to put your cover in place!
Important: If you've created an account with us before, you should use your existing account rather than creating a new one. If you can't remember the password for it, use this guide to help you log in.
Buying your cover
To purchase our pay-as-you-go cover, you'll need to have separate social, domestic and pleasure (SD&P) cover already in place. You'll also need your driving licence with you when signing up.
1. On the 'Cover' screen, you'll see the product options available to you. Tap on the type of vehicle you need to cover.
2. Next you'll see our criteria - review this and tap 'Get started' when you're ready.
3. For pay-as-you-go cover, you'll need Hire & Reward (H&R) only. Select this option on the next screen and tap 'Continue'.
4. Next you'll be connected to Lucy, our virtual assistant.
Lucy will guide you through the sign up process and take all of the necessary information about you, your vehicle and which delivery partner you'll be working with. We'll also need to take a photo of your driving licence.
If, at any time, you want to pause the sign up process, just tap '< Choose cover type' at the top left of the screen to go back. Don't worry, you'll be able to continue where you left off later.
5. Once you've added all of your information and provided the necessary consent, we'll check if we can offer you cover. If you're eligible, we'll provide you with a price for every hour of cover and some information about the product.
From here, you can choose 'Select this product', or go back. The next screen will show you the hourly price again, and if this is the first time you've enabled your pay-as-you-go cover, you'll see the £15 first time enablement fee. Choose 'Continue' if you want to go ahead.
If you'd like more information about how we charge for pay-as-you-go cover, just check this guide. You can also find details of our fees and charges here.
Enabling your cover
After choosing to go ahead, you'll see the steps required to enable your cover. Here you'll be able to view your policy booklet and your IPID (Insurance Product Information Document). You'll also be able to view your rates and your personal details.
All of the following steps must be completed before your cover is enabled.
1. Zego Checks
During the sign up process, we'll check the details of your driving licence and your social, domestic and pleasure cover.
If we aren't able to verify these details ourselves, for example, if you have an EU driving licence, or if you've very recently purchased SD&P cover, we'll need you to send us additional proof.
If this is required, we'll send you an email asking for the specific details of what we need, but here's quick summary:
If we need proof of your driving licence, you'll need to send us a photo of the front and the back of your licence, with all 4 corners visible in both photos. The photos must be clear, with the writing easily readable.
If we need proof of your SD&P cover, you'll need to send us the official pdf document of your certificate of insurance from your SD&P insurance provider. It must show your full name, vehicle registration number, and policy expiry date.
You should reply to our email with the required documents attached. It's best to reply to our email, rather than send us a separate email - this way your checks will be completed quicker.
Once we've received your documents and completed our checks, we'll send you an email to confirm that you can enable your cover. You'll also see a green tick appear next to 'Zego checks' in the app.
How long does it take to complete the checks?
We will try to check your documents as quickly as we can. Usually it takes around 48 hours, but in some cases it can take up to 5 days. While you're waiting for the checks to be completed, you can continue with the rest of the steps to enable your cover.
If it has been over 5 days and your checks haven't yet been completed, just start a chat with us from the Zego Delivery app. Our Live Chat team can take the documents from you and complete the checks while you wait.
Important: Please make sure you have your driving licence photos and/or the pdf of your certificate of insurance ready. You'll need to upload your documents when chatting with us.
What happens if my documents are found out to be forged or altered?
If you submit a false, altered or forged documents to us, this is considered to be fraud. If your policy is already active, we may be able to do one or more of the following:
refuse or reduce any claim payment to you;
apply additional terms or limitations to your policy;
cancel your policy, which depending on circumstances, may be with immediate effect;
avoid your policy entirely, which means treating the policy as though it never came into effect; and/or
retain any premium you have paid, and if you are paying monthly the full amount of premium may still need to be paid.
Where fraud is identified we will pass details to any fraud prevention, other insurers, and/or law enforcement agencies, including but not limited to the Police for the purposes of preventing and/or prosecuting fraud and money laundering.
2. Agree to our Terms of Business
Tap 'Agree to our Terms of Business' to view them in app. You should read these carefully. Tap 'Agree' if you are happy to proceed. You'll see a green tick next to 'Agree to our Terms of Business' once you've done this.
3. Verify email address
If you haven't already done so, you'll have another chance to verify your email address here. Tap 'Verify email address' to send another verification email.
Tap on the link in the email to verify your email address. Once completed, you'll see a green tick appear next to 'Verify email address' in the app.
4. View policy summary
Next, tap 'View policy summary'. This provides you with a summary of your cover, plus details of how and when you pay for cover. Again, you should read the policy summary carefully. Tap 'Agree' if you are happy to proceed.
You'll see a green tick next to 'View policy summary' once you've done this.
5. Setup Payment
Tap 'Setup Payment' to get started. After tapping 'Continue' on the next screen, you'll see the set up payment screen (shown below).
When you first set up your cover, you'll need to add a minimum of £40. £15 of this will be your first time product enablement fee, with £25 remaining as your available balance for shifts. If you'd like to add more money to your balance, tap the 'plus' icon (+).
This will also confirm that your cover will be set up with auto top-up payments, with a £20 payment taken every time your balance drops below £10. For more information about topping up your balance, just use this guide. You'll also need to confirm that you provide your consent for us to take payments.
Once you're ready to continue, tap 'Add payment method'. Next you'll be prompted to add you payment card details. Once your payment card has been added, we'll take the agreed payment amount from it.
Once your payment has been set up and you've made the initial payment, you'll be taken back to the 'Enable product' screen and you'll see a green tick next to 'Setup payment'.
What's next?
Once all of the 5 steps are complete, tap the 'Enable your product' button at the bottom of the screen. You'll be taken to the screen that provides you with your policy documents (shown below).
From here, you can view your 'Letter of Enrolment', however you won't see any of our integrated work providers listed on it just yet. That part comes next!
After tapping 'Continue' at the bottom of the screen, you'll see your pay-as-you-go product on the 'Cover' screen of the Delivery app, with a red exclamation logo next to it. This is because you haven't yet linked any work providers to your account.
Linking your Zego account to a work provider
The final step is to link a work provider, like Uber Eats, Just Eat, Deliveroo or Stuart, to your Zego account. This step must be completed, otherwise you will not be covered.
To add a work provider, tap 'You' at the bottom of the screen, then select 'Work Providers'. From here, tap 'Add work provider' and follow the instructions on screen.
For a detailed step-by-step guide, use one of the following guides:
Once a work provider is linked to your account, the red exclamation logo next to your pay-as-you-go cover will turn to a green circle. This indicates that you are fully set up and ready to go!
For more information about managing your work providers, visit our work provider help guides here.