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Tom Graham

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Review of the Zego, Cover by the hour:

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Serious Concerns About Data Accuracy

My experience with Zego Van Insurance has been extremely disappointing and concerning. Zego insure only my personal vehicle, which I drive approximately 5,000 miles per year. However, I also drive a separate work vehicle, insured with a completely different insurer, for around 30,000 miles per year. Despite this, Zego appear to be collecting and using driving data from my work vehicle and applying it to my personal policy, even though that vehicle has nothing to do with Zego. Mileage Accuracy & Financial Risk I repeatedly asked Zego how they differentiate between: The vehicle they insure (personal), and A vehicle they do not insure (work) I never received a clear, consistent explanation. Initially, I was told that work‑vehicle data could be excluded, only for Zego to later reverse this without explanation. This results in my personal mileage being artificially inflated, which creates serious risks for the customer, including: Higher premiums Allegations of exceeding declared mileage Potential complications or disputes in the event of a claim This is fundamentally unfair when the miles in question relate to a vehicle not insured by Zego. Data Protection & Transparency Concerns I raised concerns about: Inaccurate data being held against my policy Lack of transparency about how driving data is sourced and applied Use of data outside its original purpose Whether there is a lawful basis for using non‑policy vehicle data I requested clarification, a data review/correction, and a copy of my personal data. These requests were not properly answered. Complaint Handling Customer service has been extremely poor. I have been: Passed repeatedly between live chat agents Given generic responses that avoided my actual questions Unable to speak to anyone with appropriate authority or technical understanding There was no sense of ownership or urgency, despite the seriousness of the issue. Overall This experience has left me with no confidence in how Zego handle mileage, data accuracy, or customer complaints. If an insurer cannot reliably separate insured and non‑insured vehicle data, customers are exposed to unnecessary financial and legal risk. I will be escalating this matter to the Financial Ombudsman Service and the Information Commissioner’s Office. Rating: 1 star I would not recommend Zego to anyone who drives more than one vehicle or expects transparent and fair treatment. Reviewed on: 30th April 2026

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