UKZego Zego Car Insurance: Accident Help, Claims & Contacts
Had a crash with Zego as your insurer? See how to report it, who to contact, and the help you can get if the other driver was to blame.
First steps at the scene
Do these four things before you drive away. Your insurer will want to know about each one.
Stay safe
Pull over, switch on your hazard lights and move everyone away from passing traffic. Ring 999 if someone is injured or the road is blocked.
Exchange details
Take the name, address, phone number, registration and insurer of each driver. The law says you must stop and give yours too.
Take photos
Photograph every damaged vehicle and the road layout. Write down the time, place and weather, and ask any witnesses for their contact details.
Keep to the facts
Don't apologise or accept blame at the roadside. The insurers decide who was at fault later, from the evidence.
Help when it wasn't your fault
Insured with Zego and someone else caused the crash? We can help you get back behind the wheel.
- Help from the first call. A real person who explains each step and stays with you until your car is back.
- Recovery. If your car isn't safe to drive, we can organise for it to be collected.
- A car to drive meanwhile. When the other driver was to blame, a replacement car while yours is being fixed, subject to eligibility.
- Repairs. Your car fixed at an approved garage, or at a repairer you pick yourself.
- Straight answers. How a claim against the other driver works, in plain English, and what you'll need for it.
Who can use this. These services are for drivers who weren't to blame. We check your circumstances first and explain any conditions, and any agreement you would be signing, before we arrange anything. Nothing happens unless you agree to it.
If you were hurt. Our part is the hire car and repairs. The firm we pass your claim to can recommend solicitors who deal with personal injury claims.
Someone else hit you?
Ring us and we'll talk you through recovery, repairs and a replacement car, subject to eligibility.
Talk to our accident help team: 0333 011 0134Lines open Monday to Friday, 9am to 5:30pm.
Zego drivers: your questions answered
What should I do straight after a crash?
Get everyone safe and ring 999 if anyone is hurt. Swap names, addresses, registrations and insurer details with the other drivers, take photos, get witness details and don't accept blame.
Can you help if it wasn't my fault?
Yes. When another driver caused it, we can organise recovery, repairs and a replacement car, subject to eligibility. Ring 0333 011 0134.
What details do I need to report it?
Your policy number and registration; when and where it happened; a short account of what happened; the other driver's name, address, registration and insurer; photos; and witness details if you have them.
Can I get a replacement car?
If the other driver was to blame, we may be able to provide a car like yours while it's off the road, subject to eligibility. Ring 0333 011 0134.
Who pays if the other driver caused it?
Their insurer should cover your losses. We can help get your car fixed and keep you on the road while the claim goes to the driver at fault.
Does this affect my No Claims Bonus?
Usually not, if it's shown you weren't at fault and the other side pays. If you were at fault it can be affected, unless your No Claims Bonus is protected.
Can I pick the garage?
Yes. You have the right to choose who repairs your car, even if an insurer suggests one of its own 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
Let Zego know about any accident quickly, even if you don't intend 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 these to hand before you ring
- 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 New Motor Claims part of Zego?
No. New Motor Claims is independent. Zego doesn't own, run or endorse us, and we aren't affiliated with them.