Cancel Zego: Complete Guide

What is Zego

Overview

Zego is a technology-led insurer that provides flexible motor and delivery insurance products for drivers and couriers. It offers pay-as-you-go, 30-day, and annual policies managed via mobile apps and online accounts.

How Zego operates in Nigeria

Zego provides cover options tailored to app-based delivery and ride-hailing work, with policy management through the Zego Delivery or Zego Sense apps. Pricing and policy quotes are delivered to users through the app.

How to cancel Zego

Cancel from the Zego Delivery app (pay-as-you-go)

• Open the Zego Delivery app and go to Cover.
• Select the active pay-as-you-go policy you want to cancel.
• Choose "Cancel your policy" and confirm the cancellation reason.
• Remaining balance will be refunded to the original payment card; setup fee and promotional credit are excluded.
• See Zego help article for details.

Cancel from the Zego Delivery app (30-day or annual)

• Open the Zego Delivery app and go to Cover.
• Tap "Cancel your policy" and review the cancellation quote showing premium paid, used, and any refund due.
• Refunds (if applicable) are returned to the original payment card; 30-day policies generally yield no refund.
• Annual customers on instalments may be asked to settle any outstanding balance (PCL). See the help article above.

Cancel via Zego Sense app or account

• Open the Zego Sense app or sign in to your account and contact support via live chat, email or phone as listed in your policy booklet.
• Follow the support agent’s instructions and request a cancellation quote before confirming any cancellation.
• Refer to your policy booklet or support channels for contact details.

What happens when you cancel

Access and cover

Once you confirm cancellation, your cover typically ends at the time specified in the cancellation confirmation. Keep evidence of the confirmation for your records.

Renewal and reinstatement

Cancelled policies will not renew automatically. If you later need cover, you must obtain a new quote and set up a new policy through the app.

Data and records

Zego retains policy records and transaction history as required by law and for operational purposes. Ask support for any data access or deletion requests listed in your policy booklet.

Will I get a refund?

Pay-as-you-go refunds

Remaining pay-as-you-go balances are refunded to the original payment card. Setup fees and promotional or referral credits are not refundable.

30-day policy refunds

30-day policies are typically non-refundable. If you cancel a 30-day short-term policy, expect no refund unless otherwise stated in your policy terms.

Annual policy refunds and cooling-off

Annual policies have a 14-day cooling-off period during which you can return the policy for a refund, minus the time on cover and the setup fee.

After 14 days, refund amounts are calculated pro‑rata; the company provides a cancellation quote showing the exact refund (for example, a policy cancelled after one month might show an 82% return depending on time used).

Zego plans and pricing

Summary of fees

Below are fees Zego lists publicly. Premiums for cover are personalised and provided in-app.

Notes on pricing

Premium examples for Nigeria are not publicly available; quotes are generated per user in the Zego app. The table below lists standard one-time fees Zego publishes.

Your consumer rights in Nigeria

Zego-specific rights

Under Zego's policy terms, annual policyholders benefit from a 14-day cooling-off period for a full refund minus time on cover and the setup fee.

Nigerian consumer protections

Consumers in Nigeria have protections under the Federal Competition and Consumer Protection Act (FCCPA) and can contact the Federal Competition and Consumer Protection Commission (FCCPC) for issues with unfair contract terms or poor treatment.

How to seek redress

If you believe Zego has not honoured its stated refund or cancellation process, raise the case with Zego support first and keep written records.

If unresolved, consider contacting local consumer protection authorities such as the FCCPC for further assistance.

Customer experiences

Positive experiences

Many customers praise Zego for professional, friendly and helpful customer service through live chat and the app.

Named agents and quick resolutions are commonly mentioned in positive reviews.

Negative experiences

Some users report no refund when cancelling 30-day policies or difficulty cancelling due to email access issues.

There are complaints about sudden policy cancellations, long live chat wait times, and unresponsive or rude support in some reports.

Takeaway

Overall experiences vary: support is often praised, but problems arise on refund eligibility and responsiveness in certain cases. Check your policy terms and keep records when you cancel.

Documentation checklist

What to prepare before cancelling

• Policy number and policyholder name as shown in the app.
• Payment card details used for the policy (for refund identification).
• Reason for cancellation and any supporting evidence (e.g., screenshots).
• Contactable email and phone number linked to your Zego account.

If contacting support

• Prepare the cancellation quote or a screenshot of the in-app cancellation screen.
• Keep copies of any chat transcripts, emails, or reference numbers from Zego support.

Common mistakes

Assuming all policies are refundable

A common error is cancelling a 30-day policy expecting a refund. Short-term 30-day covers are generally non-refundable under Zego’s terms.

Not checking setup or promotional exclusions

Customers sometimes expect refunds that include setup fees or promotional credits. These elements are excluded from refunds for pay-as-you-go plans.

Failing to settle instalments

Annual customers on instalment plans (PCL) may still owe outstanding balances if they cancel early. Check your cancellation quote before confirming.

Comparative recap

Quick comparison

After cancelling

Tracking your refund

After cancellation, review the cancellation quote and allow time for the refund to reach your payment card. Processing times vary by card issuer.

Further support and links

If you need help, contact support via the app or consult Zego help pages: How do I cancel my policy? and Refunds and cancellation.

Address

Registered contact address

For formal correspondence, Zego’s listed address is:

7th Floor, Exchange House, 12 Primrose Street, London

Using the address

Use the address for legal or postal communications. For faster service regarding cancellations and refunds, use in-app support or the help links provided above.