Flexible Car Hire & Reward

Insurance Product Information Document

Company: Zego (trading name Extracover Limited), registered in England No. 10128841. Registered office: FORA Shoreditch
21-33 Great Eastern St, Hackney, London EC2A 3EJ. Authorised and regulated by the Financial Conduct Authority. Firm Reference
No. 752967.
Underwritten by Extracover Insurance Company Limited
Product: Flexible Car Hire & Reward
This document is a summary of the key information relating to this policy. Complete pre-contractual and contractual information on the
product can be found in your policy wording document.
What is this type of insurance?
This motor insurance policy is designed to insure your own motor vehicle used by you only whilst delivering food or parcels on behalf of a
work provider. This policy covers your hire & reward use only for the specific times that you are delivering food or parcels on behalf of a
work provider. Cover for social, domestic and pleasure use is excluded and must be insured by a separate annual insurance policy
covering the same vehicle.

What is insured? What is not insured?

Your cover level will match the cover level of your X The cost of depreciation or wear and tear, loss of
underlying social, domestic & pleasure insurance value, parts breaking down or failing
policy X Damage to tyres caused by the application of
brakes or any punctures, cuts or bursts
Third Party Only:
X Theft or attempted theft while the vehicle is
✔ Unlimited third party personal injury unlocked or left unattended and unlocked with the
✔ Third party property damage (£20,000,000 limit in vehicle keys in or on the vehicle
respect of private cars driven by you and X Loss of or damage to contents of the motor
£5,000,000 in respect of light vans up to 3.5 vehicle including personal effects
tonnes driven by you)
X Any vehicle being used for a purpose not stated in
✔ Legal assistance plan the policy or being driven by a person not covered
Third Party Fire & Theft by the policy
As shown in Third Party Only plus X Any driver who does not hold a valid driving
✔ Loss or damage as a result of theft or attempted licence.
theft X Airside use
✔ Loss or damage as a result of fire (other than X Terrorism or criminal/deliberate use
malicious damage)
X Driving under the influence of drink or drugs
Comprehensive
As shown in Third Party Only and Third Party Fire
and Theft plus
✔ Loss or damage as a result of accidental damage
✔ Malicious damage
✔ Windscreen replacement and repair
✔ Medical expenses up to £250
✔ Personal accident up to £10,000

Are there any restrictions on cover?

! You must have a separate underlying social, domestic & pleasure insurance policy in force at all times on the motor
vehicle
! The excess shown on your policy schedule will be deducted from any claim payments we make to you
! We will not pay more than the market value for the motor vehicle
! We will not pay any claims if you have provided us with false information

Where am I covered?
✔ This insurance is only valid in the United Kingdom
What are my obligations?
• You must answer our questions honestly, accurately and provide true and complete information and tell us of any
changes in your circumstances that may affect your insurance and the cover provided
• You must report any accident or incident that arises under this motor policy as soon as you become aware of it, whether
you believe you are at fault or not
• For a legal expenses claim under Legal Assistance Plan, you must make a claim within 180 days of the motor accident.
• If you report a theft claim, you must also notify the police
• You must comply with all the conditions set out in the policy
• You must keep your Zego account topped up at all times in order to purchase Zego Courier Flex insurance

When and how do I pay?

● You must make an initial payment to add credit to your account (‘Zego balance’). You will be charged at the end of
each shift you work from your Zego balance, depending on the number of hours that you were covered for
● Your Zego balance will be automatically topped up whenever the balance is low. The exact amount will be shown when
you add your card details and top up for the first time

When does the cover start and end?

Cover under the Zego top up policy will only apply from the moment you start your delivery shift via the integrated app and
will end when you have made your final delivery

How do I cancel the contract?

You will need to contact Zego directly to deactivate your Zego account. You can either send an email to support@zego.com
or call 020 3308 9800. As this is a short term ‘top up’ cover, no refund is available upon cancellation