Zego is a new generation Insurtech, empowering businesses and individuals with insurance that is more suitable for the 21st century. Zego provides innovative insurance solutions, designed to protect you and any named 
driver whilst driving your vehicle.
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Just so you know (and for reassurance), Zego is actually a trading name of Extracover Limited, registered in England & Wales under company number 10128841, and authorised and regulated by the Financial Conduct Authority (Firm Reference No: 757871).
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Zego will be your day to day contact for this policy, and are responsible for:

to name a few.

If you ever need a bit more help, you can always get in touch using
the details below.
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If you need to make a change or have any queries about your policy

Email:
[email protected]

Phone:
0203 053 9815

Address:
7th Floor, Exchange House, 12 Primrose Street, London, EC2A 2EG
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Email: [email protected]

Phone: 020 3885 0622

We want to be there for you when you need us, so it’s really important that you take the time to read this policy booklet in full. It sets out what you need to do (or not do) and to be aware of, so that this policy will respond when you need it most.
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After taking out this policy alongside this policy booklet, you will have also received the following documents:

You can read a bit more about what these documents are and what they do under the ‘What words mean’ section below, but the really important bit is that this policy is made up of your policy booklet, policy schedule, and your certificate of motor insurance. You should read each one carefully, and if there is anything that you don’t understand, then please tell us straight away.

We think safe drivers should pay less 
for their cover. That’s why our app-based policy rewards you when you drive well.

Zego Sense uses your phone’s sensors to measure how you drive. Drive safely and you could pay less when you renew.

Download the app

You’ll need the Zego Sense app to get covered. Download it and you’ll get a discount upfront.

Start driving
Our app measures how you drive to give you a score. A higher score means better discounts at renewal.

Good drivers save more
Keep your app permissions on so we can see how well you’re doing. The better you drive, the less you pay!

Zego Sense is our app-based insurance policy. You need to install the app on your phone to earn discounts and keep your cover active.

1. Get the app
Head to your app store and search for Zego Sense. Once you’ve downloaded it, enter your email address to get your special login link.

2. Switch on your permissions (and keep them on)
If you don’t have your permissions on, we can’t give you discounts when you renew. Here’s what to do:

Go to zego.com/sense to learn more.

3. Start driving
We can only give you a Sense score once you’ve made enough trips. So make sure your permissions are switched on when you’re on the roads and keep driving well to get the best discounts at renewal.

Throughout this policy you’ll see a lot of words and phrases in bold that have a particular meaning. If you’d like to know what that is, then this is the place to find out.

So, this is how it works. You’ve agreed to pay the premium for the policy, and in exchange we will 
provide you with the cover set out below and within 
the policy schedule.
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There are certain terms, conditions, and exclusions 
that you need to be aware of that are relevant to the cover provided, and these are also set out below and elsewhere in the policy.
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The policy schedule and certificate(s) of motor insurance confirm the particular use of your vehicle 
for which you and any named driver are covered 
under this policy.
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All cover is provided in accordance with all the other terms, conditions, and limitations noted within the policy.
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The sections of the policy that apply to you are confirmed in the policy schedule.

We will cover you or any named driver for any damages that you or a named driver are legally liable to pay for:

as a result of an accident using your vehicle within 
the territories, up to the sums insured shown in the 
policy schedule.
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This includes accidents caused by any electric charging cables when attached to your vehicle providing you have taken due care to avoid such an accident.
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We will also cover you for any damage that you are 
legally liable to pay in relation to your business for:

arising from incidents occurring in the territories 
during the period of insurance.
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We do not cover claims:

We will cover up to the limits shown in the 
policy schedule.
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We will reimburse you, or any named driver, for
payments made under the Road Traffic Act for emergency medical treatment.
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If there is an accident covered by this policy, and as 
long as you follow the terms set out under ‘What to do 
if there’s a claim’, then we have the option (entirely at 
our sole discretion) to pay reasonable legal costs and/or expenses to defend or represent anyone insured by 
this policy:

We must agree to all such legal costs and/or expenses beforehand. If we agree to pay such legal costs and/or expenses, then we will tell you at that time how much assistance we will give you.
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We will not cover any claims:

This policy provides the minimum insurance needed by law to use your vehicle in the following countries: Andorra, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France (including Monaco), Germany, Gibraltar, Greece, Hungary, Iceland, Italy (including San Marino and the Vatican City), Latvia, Lithuania, Luxembourg, Malta, Montenegro, the Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden and Switzerland (including Liechtenstein).

This section only applies if the policy schedule confirms that you have purchased this cover.

This section covers loss or damage resulting from 
fire or theft that happened in the territories during 
the period of insurance to:

We will:

The most we will pay is the market value of your 
vehicle at the time of the loss.
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It is important that you read this alongside the General exclusions section in full to understand what is, and what is not covered.

This section only applies if the policy schedule confirms that you have purchased this cover.

This section covers loss or damage to:

Resulting from any accident that happens in the territories during the period of insurance.
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We will:

The most we will pay you is the market value of your vehicle at the time of the loss.

If your vehicle is not drivable as a direct result of damage covered by this Section, we will pay:

If your vehicle has advertising or signwriting on the bodywork, we will pay for the repair or replacement 
up to a limit of £200.
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It is important that you read this alongside the General exclusions section in full to understand what is, and what is not covered.

These general exclusions apply to all sections of this policy, regardless of the type of cover provided. They describe the things which are not covered in any situation and apply as well as the exclusions shown in each individual section. It is therefore extremely important that you read them in full.

The policy does not cover any loss, damage or
liability where the vehicle is being:

This policy does not cover:

The policy does not cover any loss or damage which is otherwise not specifically covered under the policy including, but not limited to any indirect losses such as loss of use of your vehicle, travel costs or loss of earnings.

This policy does not cover any loss of or damage to your vehicle:

The policy does not cover the VAT element of any 
claim if you are registered for VAT.

The policy does not cover loss or damage caused 
by any government, public or local authority, legally removing, keeping or destroying your vehicle or 
any costs to secure the release.

The policy does not cover any liability:

The policy does not cover any loss, damage or liability 
if covered by any other insurance policy.

The policy does not cover any loss, damage or liability arising directly or indirectly of carrying hazardous goods including flammable, explosive, corrosive or oxidising substances, dynamite, or similar explosives, or asbestos or any material containing asbestos in any form and in any quantity.
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The policy does not cover any loss, damage or liability where the vehicle is being used in a hazardous location.
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The policy does not cover:

The policy does not cover any claims relating to racing of any description or a vehicle being used in any contest, competition, track days, rallies or trials, or any other form of racetrack or off-road activity, including test and training events, use on any derestricted toll road or the Nurburgring Nordschleife, as well as liaison routes between two stages of a sporting event.
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The policy does not cover any claim that occurs whilst the vehicle is in or on that part of an aerodrome, airport, airfield or military base provided for:

Except as required under the Road Traffic Act, this policy does not cover any loss or damage caused 
by terrorism, war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, riot, civil commotion assuming the proportions of or amounting to an uprising, military
or usurped power.
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The policy does not cover any loss, damage or liability arising from any cyber act or event including but not limited to:

This policy does not cover any claim that occurred outside of the period of insurance.

By purchasing this policy you agree to:

For more information on how to setup and set the correct permissions please visit:
https://www.zego.com/blog/how-to-download-and-log-in-to-the-zego-sense-app/

Sense is Zego’s app which uses your location information and motion data to build up a clearer understanding of how you drive, which is represented by your driving score, allowing us to offer you the fairest price possible. That means we'll know:

This is the only data Sense can access. Sense cannot, and will not, access any other apps or documents, such as your emails, contacts, photos, banking information, health information, or social media.
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If you do not install the Sense app and enable permissions for the duration of your policy we/Zego can do one or more of the following:

We will give you reasonable notice and allow you time to reinstall the Sense app and switch on and maintain all the necessary permissions before we cancel your policy or charge you any additional amount.
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If we charge an additional amount this will be taken from your original payment method, either by the credit/debit card we hold on your account or added to your finance agreement if applicable.
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If we decide to continue your policy without the Sense app and permissions enabled, any conditions in this section ‘5. Telematics and integration’ will not apply.
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Note - if you reinstall Sense and enable the permissions required after we have charged any additional amount we may use your Sense data to calculate your premium at renewal. However, any additional amounts paid will not be refunded.
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If you do not want to pay an additional amount to continue your policy, you can cancel your policy before the end of the notice period, so as not to affect any future insurance applications.

Your driving score will be shown in the Sense app.
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If we identify poor driving behaviour assessed by reference to your driving score we will send you warnings identifying areas of concern and a reasonable time frame when your driving score must have improved by.
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If you continue to drive poorly despite our warnings without reaching the driving score required as reference in our warnings, we may cancel the policy in accordance with the cancellation provisions.
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As we have said, the aim of the Sense app is to build up a clearer understanding of how you drive as an individual, allowing us to offer you the fairest price possible.
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This means we may use your Sense data to provide a price which reflects how you drive. You can see how you are driving and how you can improve to receive a discount at renewal on the Sense app.
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We may use your Sense data to help make sure any claim made is settled fairly. We may also use your Sense data to help us identify fraudulent claims.

It is important that you have provided complete and accurate information when answering our questions. 
If you don’t then your policy may be invalid and any claim may not be paid.
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We may use your Sense data to check the details 
you have given us, for example where you keep your vehicle overnight and your declared mileage.
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We will contact you if we think your policy details need to change, and any change could result in a change in your premium and you may be charged an administration fee, or it could result in the cancellation of your policy.

In this section you’ll find a number of terms that apply to all of this policy, and describe your responsibilities, general information and the procedures that apply in certain situations.
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It’s really important that you read and comply with 
these terms as any breach could make the policy
invalid or mean that we don’t pay claims in full or at all.
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When you purchased your policy, you were 
asked a number of questions about you including 
your driving history, about any named driver, and 
your vehicle. You may also be asked these types 
of questions when you make any changes to 
the policy.
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It is important that you, or anyone acting on your 
behalf, answer all of these questions fully and accurately because if any information that you
provide is incomplete or inaccurate, including the submission of false, altered, forged or stolen 
documents, then we/Zego may be able to do one
or more of the following:

You must also tell us/Zego any material facts relating to your business. A material fact is anything that an insurer is likely to take into account when considering whether to offer an insurance policy or how much to charge for it. If you have any doubts at all regarding what a material fact is, or whether a particular piece
of information constitutes a material fact, then please tell us straight away.
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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.
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If your circumstances change from those that you 
told us/Zego about when you purchased the policy, then you need to tell us/Zego straight away. Until we/Zego are aware of that change, and have confirmed in writing that it is acceptable (or if you may need to pay 
a higher premium), then you will not be covered under this policy and any claims will not be paid.

Any changes to your policy may result in a change in your premium and you may be charged an administration fee. An administration fee may apply even if the change results in a return of premium to you.
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Details of fees and charges can be found here - https://www.zego.com/fees-and-charges/ as shown in Zego’s Terms of Business. Any fees charged for your policy are non-refundable.
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We will contact you before your renewal to confirm the terms and the renewal premium.

Unless you have told us/Zego not to at least 3 days before your renewal date, we will automatically renew your policy on its renewal date. We will use the payment details you previously gave us and renew before the expiry date. If your card details have been updated, your card provider may let us know.

If your policy is set to automatically renew and you do not want to renew your policy, or you want to opt out of automatic renewal, you can do this via the MyZego app or by contacting Zego.
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Please note you must do this at least 3 days before your renewal date. If you do not opt out of automatic renewal this does not affect your rights to cancel your policy under the Cancellation section.

Please note that if you do opt out of automatic renewal and you wish to renew your policy you will need to contact Zego prior to your renewal date to do so. Otherwise the policy will terminate on the end date and time shown on your certificate of motor insurance.

There are times we cannot renew your policy. When this happens we will contact you to let you know before your renewal date.

Some examples of when we may not be able to renew the policy include (but are not limited to):

The policy does not cover any claims where the 
vehicle involved in the accident has been subject to 
any modifications (other than any repairs carried out 
by a suitably qualified repair provider or the professional installation of a protective screen/partition).
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You, and all named drivers, need to take reasonable 
care to avoid causing any loss, damage, or injury and make sure that your vehicle is roadworthy.
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If you told us when buying this policy that the vehicle has a functioning, front-facing camera, then you must ensure that it is always operational whilst the vehicle 
is in use.

You must also make any recordings or other data from the camera available to us where there is an accident
or claim. We will be entitled to decline your claim 
where there has been any breach of this condition.

We are providing you with the cover under this policy on the basis that you pay all premiums due on time and in full. Where you have failed to pay a premium for any given period of cover then we will be entitled to decline any claims arising from accidents happening during that period. If we approve your claim, we will not provide cover unless and until the outstanding premium is paid in full.
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Fraud is a criminal offence. If you, any named driver, 
or anyone else acting on your behalf;

then we/Zego may do any or all of the following:

For cover to apply your vehicle must be registered, taxed as required within the territories and you are a 
tax resident in the territories.
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If under the laws of any country we/Zego are obliged
to deal with any claim but either:

then, we will have a direct right of recovery against you for any sums paid out as part of that claim.
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You can cancel the policy by contacting us at [email protected] , by phone on 0203 053 9815, or by using live chat within your account.


As this is a short-term policy, there 
is no cooling-off period. This means that if you cancel the policy, then there will be no refund of any premium paid, whether or not any claim has been made.

You may cancel the policy within 14 days of receiving your policy documentation (the “cooling off period”).
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Where a claim has been made, or there has been an accident likely to give rise to a claim, we will not provide a refund of any premium paid and the full amount of premium will still need to be paid.
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Where no claim has been made, and there have been no accidents likely to give rise to a claim, you will be charged for the number of days you have had cover, and you will be refunded the rest of the premium paid.
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You can otherwise cancel the policy at any time. Outside of the 14 day cooling off period where no claim has been made, and there have been no accidents likely to give rise to a claim, then you will be entitled to a refund of premium in line with the scale below:

If you are a resident of Northern Ireland, the Channel Islands or the Isle of Man when you cancel the policy you must return your certificate of motor insurance 
to us.
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We may be entitled to cancel the policy (or Zego on
our behalf), if there is a good reason for doing so.
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Some examples of situations where we would have a good reason for cancelling the policy include (but are not limited to):

Except where we/Zego reasonably suspect fraud, before the policy is cancelled we/Zego will provide you with 7 days notice either to the email address or postal address shown on your account and remove our details from the Motor Insurance Database as from the effective date of cancellation.

Where we/Zego cancels the policy you will be entitled to a refund of the unused premium paid, other than where:

Where we reasonably suspect fraud by you, any 
named driver, or anyone else acting on your behalf 
we will cancel your policy with immediate effect 
and will not refund any unused premium paid.
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If you pay monthly, you must still pay the full balance 
of your annual premium.
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You must tell all named drivers that the policy has been cancelled.
Where your policy has been cancelled, any optional product purchased with your policy (e.g. Breakdown Cover) will also be cancelled. Please refer to your 
optional products policy wording for refund details.
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We will not provide cover, pay claims or provide 
benefits to the extent that doing so would expose 
us to sanctions, prohibitions or restrictions under 
United Nations resolutions or the trade or economic sanctions, laws, or regulations of any country.
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The policy and any disputes relating to it (although 
we hope there are none) will be governed by the law 
of the England and Wales
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As soon as you have 12 months or more continuous claims free cover with us, you will start to earn a no claims discount (“NCD”).
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We will allow a NCD against your renewal premium 
if no claim has been made, or any accident likely to 
give rise to a claim has occurred, during the previous continuous 12-month period of insurance. The level 
of discount applied will be in line with our 
NCD scale, applicable at the time of renewal.
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Where we have made any payment on a claim which 
we have not yet been able to recover, or which we cannot recover from any other party involved in the accident, your NCD discount will be reduced to 
Nil, even if you are not at fault.

Any claim where we have fully recovered our costs will not affect your NCD.
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Where you have fully comprehensive cover, you will be allowed one claim for glass damage during the previous continuous 12-month period of insurance without any 
impact upon your NCD, provided that an approved repairer is used.
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If you are eligible and pay the required extra premium, you may choose to protect your NCD. If chosen, this will be shown on your policy schedule.
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If your NCD is protected, then your NCD will be protected for the first accident or claim that happens during the previous continuous 12-month period 
of insurance.
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However, your overall premium may still increase following an accident/claim even if you were not 
at fault.
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If you make a claim on your policy and your NCD is protected, your NCD will reduce as follows:

Ok, so this part sets out everything that you need 
to know about making a claim under the policy: 
what you should do, what you need to tell us, and what you definitely shouldn’t do. It’s really important that all drivers insured by this policy are aware of all of these terms and the need to comply, or the policy may not
 be valid and/or any claim(s) may not be paid.
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When we say 'we/our/us' this means Zego in this sub-section.
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You must inform all named drivers that their personal information has been provided to us and ensure they know where to find our Privacy Notice.
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For a full copy of our Privacy Notice, which outlines in detail how we and any other parties (including, but not limited to, Extracover Insurance Company Limited) may use any personal data, together with all of your rights and how to exercise these, just follow this link: www.zego.com/privacy. To find out how Wakam UK Limited will use your personal data as one of the authorised insurers, please go to this link which will detail their Privacy Notice. wakam.com/en/privacy-policy
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Your privacy is important to us and we assure you and any named driver that we will respect any personal data and only use it as specified in our Privacy Notice.
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All phone calls, emails and any other written or electronic communications with us may be monitored and recorded and the recordings used for fraud prevention and detection, training and quality control purposes.
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For details about your rights and how to exercise them, please visit the link to our Privacy Notice above.
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You can ask us at any time for details of the information that we hold about you. You can submit a request through our Privacy Notice Page (‘Exercise your rights’ button at the bottom of the page) or use the following link: 
https://app-de.onetrust.com/app/#/webform/b465b7ff-18b1-4e10-8f8c-58913317f088

If you need to make changes to your or the named driver’s details on your Zego account or Policy, please contact our Customer Service team on:
Email: [email protected] or
Post: 7th Floor Exchange House, 12 Primrose Street, London, EC2A 2EG.
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Information relating to this policy and the vehicles insured under it will be added to the Motor Insurance Database (“MID”) managed by the Motor Insurers’ Bureau (“MIB”). MID and the data stored on it may be used by certain statutory and/or authorised bodies including the Police, the DVLA, the DVANI, the Insurance Fraud Bureau and other bodies permitted by law for purposes not limited to but including:

If you are involved in an accident (either in the United Kingdom, the EEA or certain other territories), insurers and or the MIB may search the MID to obtain relevant information. Persons (including his or her appointed representatives) pursuing a claim in respect of an accident (including citizens of other countries) may also obtain relevant information which is held on the MID. It is vital that the MID holds the correct vehicle registration number(s). If it is incorrectly shown on the MID you are at risk of having the vehicle seized by the Police.
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You can check that all vehicle registration number details are shown on the MID at www.askmid.com.

Zego will always strive to provide you with the best possible service, but in the unlikely event that you should have cause for complaint, then you can reach Zego at:

[email protected]
or

Zego, 7th Floor Exchange House, 12 Primrose Street, London, EC2A 2BQ.
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If you are still unhappy with the final response to the complaint, or if Zego does not provide a final response letter within 8 weeks, then you may be able to take the complaint to the Financial Ombudsman Service at:

Financial Ombudsman Service
Exchange Tower
Harbour Exchange
London, E14 9SR
Telephone: +44 (0) 800 023 4567
Email: [email protected]
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The authorised insurers are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if any of the authorised insurers cannot meet its obligations. This will depend on the circumstances of the claim.
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Further information about the compensation scheme arrangements can be found on the FSCS: 
website: www.fscs.org.uk

or by writing to:
Financial Services Compensation Scheme
15 St Botolph Street
London, EC3A 7QY
Telephone: + 44 (0) 800 678 1100