Cancel Zego Insurance the easy way

Overview

Zego Insurance (operating under Extracover Limited) provides flexible vehicle insurance for drivers and delivery riders. Products include pay-as-you-go cover charged by time, fixed-term 30-day policies and annual policies with options for monthly payment schedules.

Key product types

Core products documented include pay-as-you-go cover for delivery work, 30-day policies and annual policies with mid-term management through the app and web account.

Company facts

Zego Delivery app (iOS and Android)

1. Open the Zego Delivery app and tap Cover.
2. Select the active policy you want to cancel.
3. Tap Cancel cover and follow the on-screen prompts.
4. Review the Cancellation quote which shows original premium, premium paid to date, used premium and refund amount.
5. Confirm cancellation; save or screenshot the in-app cancellation confirmation and quote.

Web / Account users

1. If you bought via the website or your policy has a future start date, contact Customer Support rather than cancelling in-app.
2. Use the web support chat or the contact form in your account to request cancellation.
3. Keep any email response as proof of cancellation.

Phone

1. Call 0203 053 9815 and provide your policy number, full name and date of birth.
2. Ask the agent to confirm cancellation and request an email confirmation.
3. Record the time and any reference number provided.

Email

1. Email [email protected] with subject line Cancel policy and include policy number and reason for cancellation.
2. Attach ID if requested by support.
3. Save the reply email as proof; if no reply within 7 days escalate via the web chat.

Post

1. Write a signed letter including your full policy number and request cancellation.
2. Send by tracked registered post to Zego Insurance, 12 Primrose Street, EC2A 2BX London, United Kingdom.
3. Keep the tracking receipt and wait for a written reply from Zego; processing can take up to 7 days after arrival.

Cooling-off (14-day right)

Rule: For distance contracts concluded online, you have a 14-day cooling-off period from the day the policy begins or when policy documents are received, whichever is later. If you cancel within 14 days and have not made a claim, Zego provides a refund minus time on cover and a policy setup fee where applicable. To request cancellation, use the app or email [email protected].

Required proof: confirmation of identity and policy number. Applicable law: Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

End of commitment / renewal

Rule: You may cancel at your renewal date. For annual policies with monthly payments, cancelling may still leave an outstanding balance for the full annual premium if you made a claim. To cancel from renewal date ask support to cancel effective from the renewal date using the renewal cancellation flow or email. See how to cancel from renewal date.

Required proof: policy number and confirmation you want cancellation from renewal date.

Price increase

Rule: If Zego increases your premium at renewal, you can decline renewal and cancel; request cancellation and a final statement. Required proof: renewal notice or evidence of the price increase. Applicable law: Consumer Rights Act 2015 protections against unfair terms and CMA guidance on auto-renewal.

Death of subscriber

Rule: If the policyholder dies, the policy can be cancelled and a refund considered under the terms. Required proof: death certificate and the policy number, plus proof of executor or next of kin authority.

Fraud or policy cancelled by insurer

Rule: Zego may cancel immediately if it reasonably suspects fraud. In those cases Zego may not refund unused premium. Required proof: Zego will supply the reason; if you dispute, ask for a full explanation in writing and escalate to the Financial Ombudsman if necessary.

Before cancelling: negotiate

Retention offers reported: research did not identify specific standard retention discounts publicly available. To request retention you should contact [email protected] or call 0203 053 9815, state your policy number, explain why you want to stay and ask for any lower-tier cover or a revised quote. Request that any offer be sent in writing.

What cancelling saves you

Example using the cheapest documented alternative from our research: JURNY pay-per-mile costs £12.50 per month plus mileage. Annualising that figure: £12.50 x 12 = £150.00 per year. Use this figure to compare against your current Zego spend. If your Zego monthly equivalent exceeds £12.50, switching to JURNY could reduce your annual cost to £150.00. JURNY monthly price: £12.50. JURNY annual example: £150.00.

Consumer law that applies

Key laws: Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 (14-day cooling-off for distance contracts) and Consumer Rights Act 2015 (services performed with reasonable care and skill; unfair contract terms). The Financial Conduct Authority regulates conduct for insurance firms, and the Financial Ombudsman Service resolves disputes.

How to escalate

Step 1: Complain to Zego support and ask for a final response. Step 2: If you are not satisfied, contact the Financial Ombudsman Service after Zego issues its final response or after 8 weeks. Citizens Advice provides guidance on insurance complaints: see Citizens Advice - cancelling an insurance policy. If an insurer is insolvent the Financial Services Compensation Scheme (FSCS) may apply.

Check final billing and refunds

Pay-as-you-go: any remaining balance will be refunded but account setup fees and promotional credits are not refundable. 30-day policies: no refund on cancellation. Annual policies within 14 days and without claim: full refund minus time on cover and setup fee. After 14 days for annual policies: pro-rata refund may be provided if no claim has been made; if a claim exists, Zego may keep premiums.

Access and data

Keep screenshots of in-app cancellation confirmation and any email. If you need copies of policy documents or invoices, request them from [email protected]. To request personal data or exercise rights under data protection law, contact Zego via the support email and state the information you want.

Re-activation and new cover

If you want cover again, get a fresh quote in the app or on the website. Annual policies cancelled with outstanding monthly payments may require settlement of any outstanding balance before new cover is issued.

Use this checklist when cancelling Zego Insurance.

• Find your policy number and payment receipts.
• If bought in the Zego Delivery app: open Cover and follow the in-app cancellation flow; save the cancellation quote screenshot.
• If bought via website or future start date: email [email protected] or use the web chat and save responses.
• Do not simply stop a direct debit - cancellation must be made to Zego to avoid owing premiums.
• If within 14 days and no claim: request a cooling-off refund and note any setup fee deduction.
• For postal cancellation send a tracked registered letter to Zego Insurance, 12 Primrose Street, EC2A 2BX London, United Kingdom and keep the tracking receipt.
• If you made a claim, expect no refund in many cases; ask Zego for a final statement.