- What is Sense?
“Sense is the technology that powers our fairer Private Hire policies.
It is built into the Zego Sense app already. All you have to do to activate it is install our app, log-in once, and start driving. There is no need to check-in every time you’re out on the road - just ‘set and forget’.
As you’re out on the road, the app will work in the background, sensing your driving over time, and use this to provide you with driver feedback.
- Which data does Sense App collect?
Once you have given your permission, Sense will be activated immediately and will work away in the background as you’re out on the road, sensing how you drive over time.
Sense will pick up...
- Your location, so we can understand things like how much you drive, how far you drive, which areas you drive in, and how quickly you go.
- Gyroscopic data, which basically gives us a sense of how you accelerate, decelerate, and take corners.
These are the only pieces of data Sense can access. It cannot and will not access any other apps or documents, such as your emails, contacts, photos, banking information, health information, or social media for example. It will also not penalise you for using other apps on your phone as you drive, such as work provider apps.
- Who has access to my driving data?
Other than Zego, only our app partner, Drivit, has access to your driving data.
Our underwriter, Wakam can view any changes to your price, but they do not have access to your driving data like we do.
No other third party has access to any of the information collected by the Zego Sense app, including work providers.
- What is my data used for?
Once you’re insured with Zego and have activated the Zego Sense app, our app senses how you drive over time. This helps you show us your good driving skills, and so also how little risk you pose.
We analyse driving data over time to build smarter and more fairly priced insurance for you.
- What happens if I’m a passenger in another vehicle? Or if I take public transport?
Once you activate Sense, our app senses your driving over time, so that over the full length of your policy, it can build up a clear understanding of your driving behaviours and habits. This means that Sense is quickly able to understand the difference between when you’re driving and when you’re sat on a bus or train, or in your friend’s car.
We know that Sense can take some time to build up this understanding of your driving, so we don’t punish you harshly for any one-off speeding, sharp cornering, or harsh braking at this time.
- What happens if I change my mobile phone?
If you happen to change your mobile phone during the course of your policy with us, you would need to download the Zego Sense app to your new phone and request a new link through the app to log back in.
If you have any difficulties, we would be happy to help you when the time comes.
- What happens if my phone battery dies?
It’s OK if your phone battery dies momentarily, even as you’re driving. Our app senses your driving over time. This means that we are able to build up a picture of how you drive over the full length of your policy.
- What happens if I turn my cellular data off?
It’s OK if you turn your cellular data off or switch your phone to airplane mode every once in a while. Our app senses your driving over time. This means that we are able to build up a picture of how you drive over the full length of your policy.
- What happens if I cancel my policy or if it lapses?
If you cancel your policy with us, or if your policy lapses, you can delete the Zego Sense app off your phone.
We will retain your driving data for 90 days after your last active policy, just in case you decide to come back to us within that time period. If you don’t, we will then delete your driving data for good.
- If the Sense app is turned off and I have an accident, am I still covered?
When you take out our +Sense policy, all you have to do is to install the Zego Sense app onto your phone, log-in once, and start driving. That’s all there is to it. The app works in the background and so should be turned on if you have an accident.
If for some reason the app or your phone is turned off, or you are logged out when you have an accident, you are still covered by your policy.
Private Hire policies + Sense (Pricing)
- Which driving behaviours can negatively impact my price at renewal?
The driving behaviours that can negatively impact a bad driver’s price at renewal include...
- Harsh braking,
- Aggressive acceleration,
- Sharp cornering, and
- Excessive speed.
However, we should stress that our app senses your driving over time. This allows us to build up a clear picture of your driving, not just over one moment or even one day, but over the full length of your policy with us.
- Will my premium decrease if I drive safely? / Will my premium increase if I drive badly?
Once you activate Sense on your phone, our app senses your driving over the full length of your policy and uses this to provide you with driver feedback. This will give good drivers like you an indication that you’re on course for an even fairer price at renewal, while it will give bad drivers an indication that they may see an increase.
When it comes to your renewal, we use this feedback as a factor to give you a fairer price, based more specifically on your own good driving.
- Is Zego’s Private Hire insurance + Sense cheaper than a policy without Sense?
Yes, our Private Hire insurance plus Sense is our fairest priced policy at the moment.
- Will my premium decrease if I drive less? / Will my premium increase if I drive more?
No, our Private Hire insurance plus Sense policy is not a pay-as-you-go or a mileage/usag based product. How much you drive will not impact your current quote or future renewal prices.
Van combo policies + Sense (Pricing)
- Will my premium be impacted by Sense?
No, we are currently using the Sense data to better understand risk for our customers and to over time build smarter and more fairly priced insurance for you and other van courier drivers.