Telematics Insurance (Sense)
Zego
- TELEMATICS CAR INSURANCE
- Good driving deserves more.
- Good drivers get better prices with Sense telematics insurance. Get covered online in minutes and let your driving do the rest.
App-based telematics insurance – no black box needed
Get rewards for good driving – up to £60 a year*
Renewal price based on how you drive
- Get a quote
- What is telematics insurance?
- Telematics insurance prices your cover on how you actually drive, not just assumptions about your age, job or postcode.
An app tracks things like speed, braking and cornering, so good drivers pay less. Because it's app-based, there's no intrusive black box, just clear insight into how your driving shapes your price.
You also get feedback that helps you drive more smoothly over time. If you're a confident, careful driver, it's one of the best ways to avoid overpaying for cover.
- Good driving now gets you Rewards.
- When you choose a Sense policy, you get our app-based telematics insurance and Rewards. Download the app, drive well, and we'll give you gift cards from places like Amazon, Tesco and Greggs.
Here’s how it works:
1. Drive well
Download the app and hit the road. Your driving does the talking.
2. Get points
The better you drive, the more points you get. Good driving adds up.
3. Treat yourself
Turn your points into gift cards at some of your favourite brands and retailers.
- What’s included in your Sense telematics policy?
- We currently offer fully comprehensive annual cover for drivers aged 23–60, giving you peace of mind while you’re on the road.
All our policies include the following:
Zego Rewards* - up to £60 a year in gift cards for your good driving
Everyday driving and commuting to a single place of work or study (SD&P)
Loss, theft, or damage of your vehicle and its spare parts
Damages to others up to £20m
NCD protection against vandalism
NCD protection against uninsured drivers
New car replacement
Key and lock cover
Pick the cover that fits your needs
On top of what every policy includes as standard, you can choose from three tiers plus a dedicated Electric tier for EV and plug-in hybrid drivers, each stepping up your level of protection.
Choose from one of the tiers below:
Essential
Just the basics, at our lowest price.
Compulsory excess of £400
Onward travel up to £300
Personal accident up to £3.5k
Get a quote
Core
Our everyday all-rounder, with windscreen cover and a courtesy car built in.
Compulsory excess of £250
Onward travel up to £400
Personal accident up to £5k
Personal belongings up to £500
EU cover for up to 90 days
Get a quote
Electric
Same cover as Core plus EV perks, made for electric and plug-in drivers.
Compulsory excess of £250
Onward travel up to £400
Personal accident up to £5k
Personal belongings up to £500
EU cover for up to 90 days
Zoom EV subscription**
Find out more
Max
The full works, with our most complete cover and extras included as standard.
Compulsory excess of £150
Onward travel up to £500
Personal accident up to £7.5k
Personal belongings up to £600
EU cover for up to 90 days
Breakdown cover & legal expenses
Get a quote
Are you covered to drive in Europe?
Every Core, Electric and Max policy comes with up to 90 days of European cover built in.
No add-ons and no phone calls before you travel. Pick the tier that suits you and your cover crosses the Channel with you.
Driving an electric vehicle?
Every Electric policy includes a 12-month Zoom EV subscription**, worth £39.99, free.
Discounts from EV brands across the market, from charging and parking to home energy and battery testing. We'll send your details 14 days after your policy starts.
- Find out more
- Why Sense is the right choice
- With Sense, your driving does the talking. Good driving means gift cards for some of your favourite brands – plus fairer prices at renewal.
100% app-based telematics policy – no black box needed
Get rewards for good driving – gift cards from Amazon, Tesco and more
Renewal price based on how you drive, not just your age or job title
Real-time driving insights sent straight to your phone
- Get a quote
- Why drivers trust Zego
94m
policies sold
750k
drivers have chosen us
96%
Sense drivers save money
- Is Sense right for you?
- Sense app-based telematics cover is built for confident, careful drivers. Before you start, check you tick the boxes below.
I'm 23–60 years old
I live in the UK
I have no previous claims or motoring convictions
I hold a full or provisional UK driver’s licence
My car is valued at less than £30,000
- Trusted by 100,000’s of UK drivers
- Join the good driving revolution. Get a quote to see how much you could save.
- Get a quote
- Read about telematics insurance
- Learn all about telematics car insurance with our useful guides.
- Is telematics insurance cheaper?
- Here we explain if telematics insurance can really save you money vs regular car insurance.
- Read more
- What’s the difference between telematics and black box insurance?
- Is telematics just the same as black box? Lets find out...
- Read more
- How to improve your driver rating
- Find out how Zego really calculates your driver rating which can affect your renewal premium.
- Read more
- Sense telematics insurance FAQs
- What is telematics car insurance?
- How much does telematics car insurance cost?
- Is breakdown cover included?
- Is telematics car insurance right for me?
- Will telematics car insurance make my insurance cheaper?
- How does sense telematics calculate my driver rating in the app?
- Does a Sense telematics policy I cover me to drive other cars?
- Can I pay for my car insurance in monthly payments?
- How does Sense affect my insurance premium?
- How does the app distinguish when I'm driving or riding as a passenger?
- What does Zego Sense do with my data?
- Is Sense compatible with all smartphones?
- When should I download the Sense app?
- Is Telematics car insurance the same as black box insurance?
- Does telematics insurance have a curfew?
- How do I cancel my car insurance policy?
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