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Zego: Cover by the hour reviews

Name: Cover by the hour
Rating: 2.49 (49 reviews)

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2.49

Based on 49 reviews, last reviewed 29th Oct 2026

100% increase in 5 star reviews

in the past 90 days

33% decrease in 1 star reviews

in the past 90 days

39%

3 star

2 star

55%

Latest highest rating:

4

Their customer service is very poor but there is tha... Their customer service is very poor but there is that 1 person in 5 that is a really good agent. This year provided a good insurance price for me but ... Read more Reviewed on: 12th October 2026

Latest lowest rating:

1

Absolutely appalling insurance company. Absolutely appalling insurance company – avoid Zego Sense! I have been driving for over 10 years, and Zego is by far the worst insurance company I ha... Read more Reviewed on: 29th October 2026

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About this product

Zego offer an innovative insurance product for delivery drivers such as those from Deliveroo who need temporary or short term insurance. Already a customer? Please share a quick Zego insurance review of your own and help our growing community find out if this policy is the one for them.

Review Zego: Cover by the hour now

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Zego Cover by the hour reviews (49)

Absolutely appalling insurance company.

Absolutely appalling insurance company – avoid Zego Sense! I have been driving for over 10 years, and Zego is by far the worst insurance company I have ever dealt with. The entire experience has been incredibly frustrating, with appalling communication, conflicting information from support staff, and a complete lack of understanding or customer care. My insurance policy began whilst I was on holiday, meaning I was not driving my car at all. I informed the Support Chat of this from the outset. Despite this, the app appeared to be judging my driving behaviour based on journeys I was taking as a passenger on aeroplanes, boats and trains whilst abroad. I was continuously logging these as passenger journeys, yet I still received threatening text messages warning me that my policy would be cancelled. I contacted support again and was reassured that my scoring period would be extended until I returned home. When I eventually arrived back in the UK, my car had a flat battery and was not being driven. I continued logging passenger journeys and contacting the Support Chat, where I was again told that a further extension would be granted. Imagine my shock when I then received a cancellation notice stating that my driving was considered too risky. How can my driving be deemed too risky when I had not driven the car at all? When I spoke to a representative to resolve the issue, I was told that the extensions I had previously been promised had never actually been granted. He then offered to put a 10-day extension in place. I explained that my car was being repaired and would not be driven during that period. His response was incredibly rude, telling me that this was not his business and that the cancellation would remain in place unless I drove the car to prove that my score could improve. Let that sink in: I was being told to drive a car that was not roadworthy in order to prevent my insurance from being cancelled, despite having repeatedly explained the situation to support staff. The lack of communication between representatives, the repeated promises that were apparently never actioned, and the attitude I received when trying to resolve a problem that was not of my making were absolutely unacceptable. I felt as though I was being penalised for something entirely outside my control, with no reasonable opportunity to resolve the situation. In the end, I chose to cancel the policy myself rather than continue dealing with this company. I would strongly advise anyone considering Zego Sense to think twice. An insurance policy should provide peace of mind, not leave you fighting with an app and support representatives who give you conflicting information and then blame you for the consequences. After more than 10 years of driving, I have never experienced anything like this. An incredibly disappointing experience, and a company I will never use again. Reviewed on: 29th October 2026

Their customer service is very poor but there is tha...

Their customer service is very poor but there is that 1 person in 5 that is a really good agent. This year provided a good insurance price for me but also I think it is due to the fact that I haven't made a single claim. Reviewed on: 12th October 2026

Terrible company!

Terrible…say one thing and do another. Very odd insurance company. Avoid! Reviewed on: 19th September 2026

Great Value and Excellent Service

I’m very pleased with the service I’ve received from my insurance company. Their prices are affordable, and the level of service they provide offers excellent value for money. Friendly, reliable, and professional throughout. Highly recommended! Reviewed on: 20th August 2026

Good app and rewards

Good, I like the app it’s very clear and useful and had lots of good features like checking ratings, logging passenger trips and the rewards system is nice but not that beneficial realistically Reviewed on: 20th August 2026

Avoid this company!

Avoid this company! Looking into getting this insurance provider? Please skip, not worth it. First they say one thing then they make you pay extra, I was told the cancellation fee was £0, after a few days they decided to make it £50 - the cancellation fee, in the end it's £62.50 and still not cancelled. + Waste of time. Reviewed on: 29th May 2026

DO NOT USE!

Complete & utter waste of time and money. Appalling (as in NO) customer service. DO NOT USE! Reviewed on: 26th May 2026

i have been left for 2 hours waiting to cancel my po...

i have been left for 2 hours waiting to cancel my policy and at first the AI lied and said i need to ring back when its open but its open. so the AI said it was a mistake.Stay away from this company they make it hard to cancel the policy Reviewed on: 20th May 2026

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

WORST INSURANCE COMPANY I HAVE EVER DEALT

0 STAR – WORST INSURANCE COMPANY I HAVE EVER DEALT WITH. AVOID ZEGO AT ALL COSTS. Zego is an absolute disgrace. Their customer service is appalling and their so-called “technology” is completely broken. The driving-monitoring app, which acts as a sensor, is a joke and clearly not fit for purpose. I have been a safe, careful driver for over 25 years. I chose Zego only because the price looked cheaper than other insurers and I was confident my driving would easily meet their standards. Most of my driving is below 30 mph — school runs, Tesco, gym, local roads. Yet their faulty app rated my driving as ZERO. Zero. That is beyond ridiculous. After 30 days, they started sending threatening warnings saying my insurance could be cancelled if I didn’t “improve”. This caused huge anxiety — not knowing when they might suddenly cancel, force me into much more expensive insurance, disrupt my daily life, and potentially leave a black mark on my record that could affect future premiums. When I decided to move to a better insurer, the nightmare continued. Initially, via their so-called “chat-first” support (no proper human support, only bots and scripts), I was told I could cancel on a future date. Later, I was told the exact opposite — that I cannot schedule a future cancellation and must come back on the exact day, go through their long, painful bot interrogation again, and only then find out if I would even get any refund before being allowed to cancel. Complete contradiction, total chaos, and clearly designed to trap customers and delay exits. When I finally cancelled, they charged me £100for just a ONE DAY of cover, when the total annual policy was only £850. This feels like daylight robbery. are not an insurance company — they operate like a trap. They lure you in with cheap prices, then use broken tracking technology, threats of cancellation, confusing processes, and extortionate exit fees to squeeze money out of you. In the event of a real claim, I have absolutely no confidence they would stand by you. Insurance is meant to give peace of mind. Zego delivers fear, stress, uncertainty, and financial loss. Do not be fooled by their low price. Do not trust their app. Do not trust their processes. Do not trust their intentions. Worst in the business. System designed to intimidate and extract money. ZERO STARS. AVOID. AVOID. AVOID. Reviewed on: 11th April 2026

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Zego: Cover by the hour reviews

100% increase in 5 star reviews

33% decrease in 1 star reviews

Latest highest rating:

4

Latest lowest rating:

1

About this product

Review Zego: Cover by the hour now

Zego Cover by the hour reviews (49)

Absolutely appalling insurance company.

Their customer service is very poor but there is tha...

Terrible company!

Great Value and Excellent Service

Good app and rewards

Avoid this company!

DO NOT USE!

i have been left for 2 hours waiting to cancel my po...

Serious Concerns About Data Accuracy

WORST INSURANCE COMPANY I HAVE EVER DEALT

Review Zego: Cover by the hour now

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