Which Insurance Companies Work With Zego?

Zego’s courier/delivery driver insurance (alongside competitors like INSHUR) remains exceptionally popular with drivers working for the UK’s largest app-based delivery businesses. Their "pay-as-you-go"/"top-up" policies that only charge you while you’re logged into the app can be a cost-effective choice, especially for part-time drivers—Deliveroo states the average driver works for under 15 hours per week, for example.

Zego is also a long-standing member of the Uber UK insurance panel, integrating directly with the Uber Eats app.

It probably won’t surprise you to learn that most of the UK’s top car insurance providers currently view couriers as high-risk—you may have struggled to find coverage through them yourself. However, you might be shocked to know that most of them also explicitly forbid drivers with a standard Social, Domestic & Pleasure (SD&P) policy from working as a courier with Zego’s top-up insurance.

We monitor the UK’s largest vehicle insurers to find out which are happy for you to drive as a courier with Zego’s PAYG/top-up courier insurance in 2026.

If you’d like to see more detailed comments and policy breakdowns from each insurer, you can jump to them here:

Which UK Car Insurers Accept Zego?

Insurance Company	Offer cover for delivery driving?	Accept Zego’s top-up/PAYG cover as valid?
Admiral
Ageas
Allianz
AXA
Aviva
Direct Line
esure
Hastings
LV
NF Mutual

As you can see, if you’re driving for the likes of Deliveroo, JustEat, UberEats or Amazon, and your SD&P insurance is through almost any provider other than Admiral, there is a very high probability that your insurer will void your coverage in the event of an accident if you’ve been working as a courier using Zego’s top-up coverage without explicit permission.

Types of Zego delivery insurance

Zego essentially offers three structures of delivery insurance: pay-as-you-go, 30-day, and annual policies. Zego states that the latter two options (i.e. 30-day and annual) are designed for drivers who regularly work more than 20-30 hours a week. For part-time delivery drivers working fewer hours, Zego says their pay-as-you-go integration could be the most cost-effective option.

How Much Does Zego Car Insurance Cost in 2026?

Due to the skyrocketing costs of motor insurance and vehicle repairs over the last few years, Zego’s prices have increased significantly. Pay-hourly car insurance now generally starts from around £1.50 per hour. If you’re considered a “riskier” driver (younger, living in a dense urban area, more powerful vehicle, etc.), it can easily reach as high as £4.50 per hour.

Zego’s 30-day "Combo" policies (which include your underlying SD&P cover, avoiding the risk of you being caught out by a conflicting mainstream insurer) generally start from around £250 per month, though young drivers will pay much more.

(Note: Scooters pay significantly lower rates than cars due to the lower third-party damage risk profile).

Zego’s pay-as-you-go H&R coverage matches your existing SD&P policy to avoid confusion on what you are and aren’t covered for—this means if you currently have a Third Party Only (TPO) SD&P policy, then Zego matches this and only covers you for TPO damages while working. Keeping in mind the increased risks of urban courier driving, it is highly recommended to upgrade your underlying coverage to Comprehensive where possible.

Top Insurers

We monitor the top insurers to see if they’ll allow top-up cover. Below is their official 2026 stance.

It’s critical to remember that even companies saying they theoretically allow top-up cover will make these decisions on a case-by-case basis based on your risk profile. You MUST call your insurer to inform them of your delivery driving job and obtain permission to use top-up cover. Without this, you will not be insured.

Does Admiral Accept Zego Insurance?

Admiral does generally accept Zego’s top-up/PAYG Courier Insurance as valid and is one of the only major mainstream insurers happy for customers to utilize Zego’s coverage alongside their Admiral Social, Domestic & Pleasure cover (provided you inform them).

Admiral is also market-leading in offering Hire & Reward insurance directly to consumers. If you drive frequently, you can often just add a commercial delivery class of use directly to your Admiral policy instead of using a third-party app like Zego.

Does Ageas Accept Zego Insurance?

No. While Ageas previously entertained top-up cover in past years, they have strictly tightened their underwriting criteria. Ageas explicitly does not allow drivers to use Zego or any other top-up cover in 2026. Drivers who attempt to use Zego alongside an Ageas SD&P policy will be in breach of their terms and conditions, and risk having their policies immediately cancelled and claims denied.

Does Allianz Accept Zego Insurance?

No, Allianz does not allow policyholders to take out top-up hire & reward insurance for delivery driving. Their policy booklet states that the insurance policy won't apply if the car is being driven:

"for any type of delivery/couriering, renting it out, peer to peer hire schemes (including when the hirer is using your car) or use for hire and reward such as use as a taxi including ride sharing/hailing, even when top up insurance may be provided by a third-party provider for hire and reward."

Does AXA Accept Zego Insurance?

AXA currently does not accept Zego’s top-up coverage as valid. We’ve yet to receive comment from their press office, however did call their sales team who informed us that AXA wouldn’t cover anyone driving as a courier or using any form of "top-up" insurance.

Does Aviva Accept Zego Insurance?

No, Aviva does not accept drivers using Zego’s top-up cover. This means if your SD&P policy is provided by Aviva, and you’re using Zego to cover your courier work, you risk having your policy voided by Aviva in the event of an accident.

Here are the comment NimbleFins received from the Aviva Press Office:

"We don’t accept top-up cover to Aviva car insurance policies in order to avoid any confusion for the customer that could come from having dual motor insurance (where two insurers are providing cover for the same vehicle). A common issue that might arise in this situation is a dispute over how a vehicle was being used at the time of an accident, which can create uncertainty as to which insurer would be liable for the claim.

"More widely, we consider insurance for hire and reward, including couriers and delivery drivers, as specialist cover; customers looking for that type of insurance would be best served by contacting their insurance broker."

Does Direct Line Accept Zego Insurance?

No, Direct Line does not accept Zego or top-up insurance. Following their high-profile acquisition by Aviva plc in July 2025, Direct Line's underwriting criteria has shifted to align with its parent company. Because Aviva operates a strict "no dual-insurance" policy to avoid claims disputes between providers, Direct Line policyholders are no longer permitted to bolt a top-up Zego policy onto their standard SD&P cover.

Does esure Accept Zego Insurance?

No, esure does not currently accept Zego’s top-up cover as valid, meaning if you’re covered by esure and considering courier work you’ll need to look elsewhere. However, esure did let us know they’re constantly reviewing their product offering and its possible this may change at some point, so keep an eye on this space.

Here’s what esure told us when we asked the question:

"In line with the majority of the market, currently esure do not provide cover for customers requiring insurance for courier or delivery work in their personal vehicle. However, we do keep this under review and may look at possible options in the future."

Does Hastings Accept Zego Insurance?

TNo. Hastings categorically does not accept Zego or any other top-up coverage. While there was some confusion in previous years between their press office and their sales teams, Hastings' stance in 2026 is definitive: taking out a Zego top-up policy will invalidate your Hastings SD&P cover.

Does LV= Accept Zego Insurance?

No—LV= wouldn’t accept customers using Zego to insure their vehicle for paid delivery work. LV=’s Car Insurance policies automatically exclude anybody using their vehicle for work as a courier/delivery driver in return for payment.

LV told us this:

"Our car insurance policy excludes cover anyone for working as a delivery driver or courier, or using their car for hire and reward purposes. Likewise this isn’t something an existing customer would be able to expand their policy to include. If a customer chooses to buy a top-up/PAYG/hire and reward insurance policy elsewhere they would still not have cover under their LV= policy.

"Every customer is different and before we take on anyone as a new customer, we have to take a number of factors into consideration, including what kind of job they do. This is because different jobs have different insurance requirements and we need to ensure that our policy can cater for those different needs, and is given to the customers that it is most suitable for.

"It is worth noting that we automatically cover customers who use their car to do voluntary work, which can sometimes include deliveries, whether that be medication, medical equipment, shopping or other essential items. However we won’t cover customers who are being paid to do this, as it requires a different level of cover that falls outside of the terms of our policy."