Ending your Zego Insurance membership made easy

About Zego Insurance

Zego Insurance is a UK-based digital insurance provider that specialises in flexible, short-term cover for commercial vehicle drivers and the gig economy workforce. Founded in 2016, Zego has established itself as a leading insurtech company, offering pay-as-you-go insurance solutions primarily for delivery drivers, couriers, private hire taxi drivers, and van operators working with platforms such as Uber, Deliveroo, and Amazon Flex.

The company operates from its London headquarters at 7th Floor, Exchange House, 12 Primrose Street, London, EC2A 2BX. Zego's innovative approach allows drivers to purchase insurance by the hour, day, week, or month, providing a flexible alternative to traditional annual policies that often prove expensive for part-time or casual workers in the gig economy.

Zego offers several types of cover, including hire and reward insurance for private hire drivers, goods in transit cover for delivery drivers, and commercial van insurance. The policies are designed to be purchased and managed entirely through a mobile app, making them accessible and convenient for workers who need instant cover. This digital-first approach has attracted hundreds of thousands of customers across the UK who value the flexibility to pay only for the insurance they actually need.

As a regulated insurance provider, Zego is authorised and regulated by the Financial Conduct Authority (FCA), which means customers benefit from certain protections under UK financial services regulations. The company works with established underwriters to provide the actual insurance cover, whilst Zego acts as the intermediary and technology platform.

Subscription plans and pricing

Zego's pricing structure differs significantly from traditional insurance providers, reflecting its focus on flexibility and the gig economy. The cost of cover varies depending on several factors, including the type of vehicle, the driver's experience, location, claims history, and the duration of cover required.

Types of cover available

Zego provides multiple insurance products tailored to different commercial driving needs. Their hire and reward insurance is designed for private hire and taxi drivers, offering comprehensive cover whilst working for platforms like Uber or Bolt. The goods in transit insurance suits delivery drivers working with companies such as Deliveroo, Just Eat, or Amazon Flex. Commercial van insurance is available for those operating delivery vans or other commercial vehicles.

The flexibility extends to the duration of cover. Drivers can purchase insurance by the hour for as little as one hour at a time, which is ideal for occasional work. Daily policies provide 24-hour cover, whilst weekly and monthly options offer better value for regular workers. Some drivers also opt for annual policies if they work full-time.

Pricing structure

Pricing is highly individualised and calculated using Zego's algorithm, which considers numerous risk factors. Hourly rates typically start from around £1 to £3 per hour, though this can vary considerably. Daily cover generally ranges from £10 to £30, depending on the vehicle and driver profile. Weekly policies might cost between £40 and £100, whilst monthly cover can range from £120 to £400 or more.

These prices are indicative only, as individual quotes depend on personal circumstances. Newer drivers or those with previous claims typically face higher premiums. As a result, it is essential to obtain a personalised quote through the Zego app to understand the actual cost for your specific situation.

Payment methods and automatic renewals

Zego operates primarily through direct debit and card payments processed via their mobile application. For customers who purchase recurring cover such as weekly or monthly policies, payments are typically set up as automatic renewals. This means that unless you actively cancel your policy, it will automatically renew at the end of each period, and your payment method will be charged accordingly.

This automatic renewal system is convenient for ongoing workers but can become problematic if you stop working and forget to cancel your policy. Therefore, understanding the cancellation process is crucial to avoid paying for cover you no longer need.

Cancellation terms and conditions

Understanding your cancellation rights with Zego Insurance is essential to protect your consumer interests and avoid unnecessary charges. As a UK-regulated insurance provider, Zego must comply with Financial Conduct Authority rules and consumer protection legislation, which afford you specific rights when cancelling insurance policies.

Cooling-off period rights

Under UK insurance regulations, you have a statutory 14-day cooling-off period from the date your policy starts or the date you receive your policy documents, whichever is later. During this period, you have the right to cancel your policy and receive a full or partial refund, depending on whether you have used any of the cover.

If you have not made any claims and have not used the insurance during the cooling-off period, you are entitled to a full refund of any premiums paid. However, if you have used the cover during this time, Zego may deduct a proportionate amount for the days you were insured before refunding the remainder. This is standard practice across the insurance industry and is designed to ensure fairness for both parties.

Cancellation after the cooling-off period

After the 14-day cooling-off period expires, you still retain the right to cancel your Zego policy at any time. However, the refund terms become less favourable. For ongoing policies such as weekly or monthly cover, cancellation typically takes effect at the end of the current billing period for which you have already paid.

In practice, this means if you cancel midway through a monthly policy, you will likely remain covered until the end of that month but will not be charged for subsequent months. Zego's terms and conditions specify that refunds for unused portions of policies after the cooling-off period are provided at their discretion and may be subject to administration fees.

Notice periods and timing

Whilst Zego does not typically impose lengthy notice periods for cancellation, it is important to submit your cancellation request with sufficient time for processing before your next renewal date. Automatic renewals can process quickly, and if your cancellation is not recorded before the renewal occurs, you may be charged for another period of cover.

As a result, consumer rights specialists recommend providing written notice at least 7 to 10 days before your intended cancellation date to ensure adequate processing time. This buffer period protects you from potential disputes about whether your cancellation was received and processed in time.

Common reasons for cancellation

Customers typically cancel their Zego insurance for several legitimate reasons. Many gig economy workers experience fluctuating work patterns and may no longer need commercial insurance if they have stopped working for delivery or private hire platforms. Others find alternative employment outside the gig economy, making the specialist cover unnecessary.

Some customers discover more competitive pricing with alternative insurers or find that traditional annual policies offer better value if they work full-time. Occasionally, customers experience service issues, claims disputes, or premium increases that prompt them to seek alternative providers. Whatever your reason for cancelling, you have the right to do so, and understanding the proper procedure ensures the process proceeds smoothly.

How to cancel Zego Insurance by post

Cancelling your Zego Insurance policy by post is the most reliable and legally secure method available to UK consumers. Whilst digital-first companies like Zego encourage app-based management, postal cancellation provides you with tangible proof of your cancellation request, which is invaluable if any disputes arise.

Why postal cancellation is recommended

Sending your cancellation request by post, specifically by Recorded Delivery or Royal Mail Signed For service, creates an auditable paper trail that protects your consumer rights. You receive proof of postage and confirmation of delivery, which serves as evidence that Zego received your cancellation notice on a specific date.

This documentation becomes crucial if Zego continues to charge you after you believe you have cancelled, or if there is any dispute about when the cancellation was requested. In practice, digital cancellation methods can sometimes fail due to technical issues, app errors, or claims that requests were not properly submitted. A postal cancellation eliminates these uncertainties.

Furthermore, under UK consumer law, written cancellation requests carry significant legal weight. If a dispute escalates to the Financial Ombudsman Service, having postal proof of your cancellation request substantially strengthens your position. Therefore, despite the convenience of digital methods, postal cancellation remains the gold standard for protecting your interests.

Essential information to include

Your cancellation letter must contain specific information to ensure Zego can identify your policy and process your request efficiently. You should include your full name exactly as it appears on your policy documents, your policy number, and your date of birth. Providing your vehicle registration number helps Zego locate your account quickly, particularly if you have multiple policies or have had policies in the past.

Clearly state your intention to cancel the policy and specify the date from which you want the cancellation to take effect. If you are within the 14-day cooling-off period, explicitly mention this and reference your statutory right to cancel under Financial Conduct Authority regulations. Include your contact telephone number and email address so Zego can confirm receipt and provide cancellation confirmation.

Sign and date the letter personally. A handwritten signature adds authenticity and makes the document more difficult to dispute. Keep a copy of the complete letter for your records before posting the original.

Step-by-step postal cancellation process

Begin by drafting your cancellation letter with all the essential information outlined above. Write clearly and concisely, using straightforward language that leaves no ambiguity about your intention to cancel. Print the letter on clean white paper if typing, or write neatly by hand if you prefer.

Address your envelope to Zego Insurance at their registered office address. The correct postal address is:

• 7th Floor, Exchange House, 12 Primrose Street, London, EC2A 2BX

Take your sealed envelope to a Post Office and request Recorded Delivery or Royal Mail Signed For service. This costs a few pounds but provides tracking and proof of delivery. The Post Office will provide you with a receipt containing a tracking reference number. Keep this receipt safely, as it is your proof of postage.

You can track your letter's progress using the tracking number on the Royal Mail website. Once delivered, you will receive confirmation, and this date becomes the official date Zego received your cancellation notice. In most cases, delivery occurs within one to two working days for London addresses.

Following up after posting

After your letter has been delivered according to the Royal Mail tracking system, allow three to five working days for Zego to process your cancellation. You should then check your email for cancellation confirmation from Zego. If you do not receive confirmation within seven working days of delivery, you should follow up.

When following up, reference your original letter, the date it was posted, the date it was delivered according to Royal Mail tracking, and your tracking reference number. This information demonstrates that you have fulfilled your obligation to notify Zego of your cancellation.

Monitor your bank account or payment card to ensure no further payments are taken after your cancellation date. If Zego attempts to charge you after your cancellation should have taken effect, contact your bank immediately to dispute the payment and provide them with your postal proof.

Using professional letter services

For those who find the postal cancellation process time-consuming or complicated, services like Postclic offer a streamlined alternative. Postclic specialises in sending formal letters on your behalf, handling the entire postal process digitally whilst still providing the legal benefits of traditional post.

Through Postclic, you can create your cancellation letter online, and the service will print, envelope, and post it using tracked delivery on your behalf. You receive digital proof of postage and delivery confirmation without visiting a Post Office. This saves considerable time whilst maintaining the legal security of postal cancellation.

The service also ensures your letter is professionally formatted and includes all necessary elements, reducing the risk of your cancellation being delayed due to missing information. For busy gig economy workers who may not have time to visit a Post Office during working hours, this represents a practical solution that protects your consumer rights without disrupting your schedule.

Customer reviews and tips

Understanding other customers' experiences with Zego Insurance and their cancellation processes provides valuable insights that can help you navigate your own situation more effectively. Consumer feedback reveals common patterns and potential issues to anticipate.

Common customer experiences

Many Zego customers praise the flexibility and convenience of the service when actively working in the gig economy. The ability to purchase insurance by the hour or day receives consistent positive feedback from part-time workers. However, experiences with cancellation and customer service present a more mixed picture.

Some customers report straightforward cancellation experiences, receiving prompt confirmation and appropriate refunds when cancelling within the cooling-off period. These positive experiences typically involve customers who provided clear written notice with adequate time before renewal dates and who maintained copies of all correspondence.

Conversely, other customers describe difficulties obtaining cancellation confirmation, continued charges after requesting cancellation through the app, and challenges reaching customer service to resolve issues. These negative experiences often involve customers who relied solely on digital cancellation methods without obtaining proof of their requests.

Documented issues and complaints

Reviews on platforms such as Trustpilot and consumer forums reveal several recurring complaints related to cancellation. Automatic renewals that continue despite cancellation requests represent a frequent concern, with customers reporting being charged for additional weeks or months after they believed their policy had been cancelled.

Some customers express frustration with response times from customer service, particularly when trying to resolve billing disputes or obtain refunds. Difficulties contacting the company by telephone and delays in email responses appear in multiple reviews. These issues underscore the importance of using postal cancellation methods that create verifiable proof of your actions.

Premium increases upon renewal also feature in customer feedback, with some drivers experiencing significant price jumps without clear explanation. Whilst insurers have the right to adjust premiums based on risk factors, unexpected increases often prompt customers to seek alternative providers and cancel their Zego policies.

Expert tips for smooth cancellation

Based on consumer rights principles and customer experiences, several strategies can help ensure your cancellation proceeds smoothly. First and foremost, always cancel in writing using Recorded Delivery post to create indisputable evidence of your cancellation request. This single action prevents the majority of cancellation disputes.

Submit your cancellation well before your next renewal date. Providing at least 10 days' notice gives adequate time for processing and eliminates arguments about whether your cancellation was received before the renewal processed. This buffer period is particularly important with automatic payment systems.

Document everything meticulously. Keep copies of your cancellation letter, your proof of postage receipt, Royal Mail tracking information, and any correspondence with Zego. Photograph or scan these documents and store them both physically and digitally. If a dispute arises, this documentation becomes your most powerful tool.

Check your bank statements carefully for several weeks after your intended cancellation date. If any unauthorised charges appear, act immediately by contacting both Zego and your bank. Under UK payment regulations, you have rights to dispute unauthorised direct debit or card payments, and your evidence of cancellation supports your claim.

What to do if problems arise

If Zego does not acknowledge your cancellation or continues to charge you despite proper notice, escalate the matter systematically. Begin by sending a formal complaint letter, again by Recorded Delivery, referencing your original cancellation letter and providing copies of your proof of postage and delivery.

State clearly what has gone wrong, what you expect Zego to do to rectify the situation, and provide a reasonable deadline for their response, typically 14 days. Reference your consumer rights under Financial Conduct Authority regulations and your intention to escalate to the Financial Ombudsman Service if the matter is not resolved satisfactorily.

If Zego's response is unsatisfactory or if they fail to respond within eight weeks, you have the right to refer your complaint to the Financial Ombudsman Service. This free, independent service investigates disputes between consumers and financial services companies. Your postal proof of cancellation significantly strengthens your case with the Ombudsman.

Additionally, contact your bank to dispute any charges taken after your cancellation date. Under the Direct Debit Guarantee Scheme and chargeback provisions for card payments, you have protections against unauthorised payments. Provide your bank with copies of your cancellation evidence to support your dispute.

Protecting yourself as a consumer

Beyond the specific cancellation process, protecting yourself as an insurance consumer involves understanding your broader rights. The Financial Conduct Authority requires insurance providers to treat customers fairly, communicate clearly, and handle cancellations and complaints properly. If Zego fails to meet these standards, you have recourse through regulatory channels.

Before purchasing insurance from any provider, read the terms and conditions carefully, particularly sections relating to cancellation, refunds, and automatic renewals. Understanding these terms before committing helps you make informed decisions and know your rights from the outset.

Consider setting calendar reminders for renewal dates if you have ongoing policies. This allows you to review whether you still need the cover and submit cancellation notices with adequate time if you decide to cancel. Proactive management of your insurance policies prevents unwanted renewals and unnecessary costs.

Finally, remember that as a consumer, you have substantial legal protections in the UK. Insurance companies must comply with strict regulations designed to protect your interests. If you exercise your rights properly, maintain good documentation, and follow the correct procedures, you have strong grounds to ensure your cancellation is processed correctly and any disputes are resolved in your favour.

Taking control of your insurance cancellation through postal methods, maintaining thorough records, and understanding your consumer rights empowers you to navigate the process confidently. Whilst digital-first companies like Zego offer modern convenience, traditional postal cancellation remains your most reliable tool for protecting your interests and ensuring your instructions are followed correctly.