UKZego Zego Car Insurance – Claims, Cover & Accident Assistance
Find information about Zego motor insurance, how to report an accident, and the independent assistance available following a non-fault collision.
What to do immediately after an accident
Four things to do before you leave the scene. Your insurer will ask about all of them.
Make it safe
Stop, hazards on, and get everyone out of traffic. Call 999 if anyone is hurt or the road is blocked.
Swap details
Names, addresses, phone numbers, registrations and insurers of every driver involved. You must stop and give your details by law.
Record evidence
Photos of the road and all damage. Note the time, place and weather, and get any witnesses' names and numbers.
Don't admit fault
Stick to the facts. Fault is decided later by the insurers, based on the evidence.
Independent non-fault accident assistance
If you're a Zego customer and another driver caused the accident, our independent team can help you get back on the road.
- Accident assistance. Someone to talk you through what happens next, from the first call onwards.
- Vehicle recovery. If your car can't be driven, we can arrange for it to be recovered.
- Replacement vehicle. Where the other driver was at fault, a replacement car while yours is off the road, subject to eligibility.
- Vehicle repairs. Repairs at an approved garage, or you can choose your own repairer.
- Claims guidance. Plain explanations of how a non-fault claim works and what you'll need.
Eligibility. These services are for drivers who were not at fault. We'll check your situation first and explain any conditions and any agreement involved before anything is arranged. Nothing is arranged without your agreement.
If you were injured. We deal with hire and repair. The firm we pass your claim to can recommend solicitors who handle personal injury claims.
Involved in a non-fault accident?
Our independent team can explain your options for accident recovery, vehicle repairs and replacement vehicles, subject to eligibility.
Speak to our independent accident assistance team: 0333 344 7762Lines open 24 hours a day, 7 days a week.
Zego accident and claims questions
What should I do immediately after a car accident?
Make the scene safe and call 999 if anyone is hurt. Exchange names, addresses, registrations and insurance details with the other drivers, take photos, note witnesses, and don't admit fault.
Can I get help after a non-fault accident?
Yes. If another driver was at fault, our independent team can arrange recovery, repairs and a replacement vehicle, subject to eligibility. Call 0333 344 7762.
What information will I need to report an accident?
Your policy number and registration, the date, time and place, what happened, the other driver's name, address, registration and insurer, photos, and any witness details.
Can I arrange a replacement vehicle?
If another driver was at fault, we may be able to arrange a replacement vehicle similar to your own while yours is off the road, subject to eligibility. Call 0333 344 7762.
What happens if another driver caused the accident?
The other driver's insurer should cover your losses. We can help you get your car repaired and keep you mobile while the claim is made against the driver at fault.
Will I lose my No Claims Bonus?
If the accident is shown not to be your fault and the other side pays, your No Claims Bonus is usually unaffected. If you were at fault, it may be affected unless you have No Claims Bonus protection.
Can I choose my own repairer?
Yes. It's your right to choose who repairs your car, although insurers may point you towards their own approved garages.
About Zego car insurance
Zego is a UK motor insurance provider that started out insuring gig-economy drivers. It now sells delivery cover (car and scooter, for platforms such as Deliveroo, Just Eat, Uber Eats and Amazon Flex), private hire taxi cover, van cover for personal, business and courier use, and private car cover including its Sense telematics product and learner driver insurance. Zego is a trading name of Extracover Limited (FCA reference 757871).
For quotes, policy details and cover, visit Zego's official website: zego.com. We don't sell Zego policies.
Zego courtesy cars and drivers who work on the road
Many Zego customers drive for a living: delivery riders and drivers, private hire drivers and van drivers. According to Zego's help centre, a Zego courtesy vehicle is only available while your vehicle is repaired by a Zego approved repairer, subject to availability, and it is for social, domestic and pleasure use only. That means it can't be used for delivery or taxi work.
Zego also says that after a non-fault accident involving another vehicle, it may refer you to a credit hire company, which can supply a replacement vehicle and recover the cost from the at-fault driver's insurer. That claim is separate from your Zego policy.
If another driver caused your accident, our independent team can explain the replacement vehicle and repair options open to you, subject to eligibility. If you drive for work, tell us when you call.
Reporting an accident to Zego
If you're insured with Zego, tell them about any accident as soon as you can, even if you don't plan to claim on your policy.
Zego's official claims contact
Zego claims line. This is Zego's own number, not ours.
Hours: Monday to Friday, 8am to 9pm, according to Zego's help centre. Emergency recovery on the same number is available 24 hours if you have comprehensive cover.
Ways to report it to Zego:
- In the Zego app: tap Claims, then "Report online now", and fill in the form
- In the Zego Delivery app: tap Help, then "Chat to an Agent" (live chat 7am to 8pm every day)
- Online, through the claims page on zego.com
- By phone on 020 3885 0622
Contact details checked on Zego's website on 9 October 2026. Always confirm against your policy documents.
Have this ready when you call
- Your policy number and vehicle registration
- Date, time and exact location of the accident
- What happened, in your own words
- The other driver's name, address, registration and insurer
- Photos of the scene and damage
- Names and numbers of any witnesses
- A police reference number, if the police attended
Contacting Zego
How do I report an accident to Zego?
Call Zego's claims line on 020 3885 0622, or report it online or in their app. The number is also in your policy documents. Report it as soon as you can, even if you don't intend to claim.
How do I contact Zego about an existing policy?
Call Zego's customer service team on 020 3308 9800, or use the contact details on zego.com. We can't access or change your policy.
Is Online Motor Claims part of Zego?
No. Online Motor Claims is an independent service and is not affiliated with, endorsed by or operated by Zego.