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Zego Launches App-Based Telematics to Transform UK Car Insurance

by Celia

Zego, recognized as the UK’s first InsurTech unicorn, has announced a new approach to car insurance designed to make coverage more transparent and user-friendly. Moving away from the traditional “black box” telematics models, which require physical devices installed in vehicles, Zego is launching an app-based telematics system. This innovative solution uses the sensors already built into smartphones to monitor driving behavior such as speed, braking, and cornering.

For years, telematics insurance—commonly known as black box cover—has relied on hardware installed in cars to track driving habits. According to industry sources, this method has introduced unnecessary complexity for drivers, including installation costs and uncertainty about how their data is used. Zego’s smartphone app aims to address these issues by offering a seamless experience: drivers simply download the app and start recording their journeys without any extra equipment.

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One of the main benefits of Zego’s platform is its ability to provide immediate feedback to users. Drivers can view real-time insights into how their habits affect both safety and the cost of their insurance. This system not only makes car insurance more convenient but also encourages safer driving practices by rewarding responsible behavior.

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The new app is especially targeted at new drivers in the UK, a group that often faces high insurance premiums. With Zego’s technology, policyholders can build a driving profile based on actual journeys, allowing them to demonstrate safe driving rather than being judged solely by age or location. This data-driven approach helps calculate fairer renewal prices and allows for more personalized coverage options.

A Step Toward Modernizing Car Insurance and Rewarding Safe Driving

Zego’s move is part of a broader mission to modernize car insurance in the UK. By integrating telematics into an app, the company seeks to make insurance easier to access, simpler to understand, and more effective at recognizing responsible drivers. The shift away from hardware-based solutions means customers no longer need to worry about installation costs or opaque data practices.

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Sten Saar, CEO of Zego, commented on the launch: “Car insurance in the UK has relied on outdated models for too long, leaving drivers paying more than they should. Zego is redefining the market with telematics insurance that is app-based, simple, and safety-focused, giving people cover that reflects how they really drive. For new drivers in particular, it’s about proving yourself on the road and being recognised for it. That’s what sets Zego apart.”

As Zego continues its mission to reshape car insurance, its app-based telematics platform promises not only convenience but also a fairer system for those willing to demonstrate safe driving habits. The company believes this change will help build trust with customers and encourage a safer driving culture across the UK.

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