Learning to drive is an exciting milestone, but for years, learner driver insurance has been limited to short-term policies or one-size-fits-all pricing. Zego is changing that. Using the Zego Sense app, learners can track real-world driving behaviour such as braking, cornering, acceleration, and mobile distraction.
The app builds a personalised driver score, giving learners insight into how safely they drive and potentially rewarding them with a lower renewal price once they pass their test. This telematics-first approach makes Zego’s learner policy not just insurance, but an educational tool — helping provisional drivers understand their habits and improve before becoming fully licensed.
“We’re using technology to make insurance more human,” said Sten Saar, CEO of Zego. “Our annual learner insurance helps people build safer habits from day one. It’s fair, flexible, and gives learners control over their future premiums — not just another box-ticking policy.”
Zego’s learner driver policy offers annual cover only, giving learners continuous protection while they practise, whether in their own vehicle or a parent’s car. Unlike short-term cover that runs out every few weeks, Zego’s annual model simplifies the process: one policy, one price, and one connected digital experience. The Sense app works quietly in the background, using smartphone sensors to analyse driving style without requiring a physical black box or plug-in device.
Key product features include annual cover only for continuous protection, app-based telematics powered entirely by the Sense app with no hardware required, personalised driver feedback that helps learners track and improve, fair renewal pricing where safer drivers may earn a lower quote after passing their test, and comprehensive protection that covers learners in their own or a family member’s car without affecting the owner’s no-claims bonus.
Zego now joins the UK’s growing list of innovative learner car insurance companies and hopes to lead the shift toward smarter, data-driven car insurance. Here are some of the best telematics-based insurers to consider for 2026:
- Zego Sense – Pioneering app-based telematics through the Zego Sense app, offering annual learner driver cover that rewards safer driving.
- Admiral LittleBox – A trusted black box telematics option for young drivers, tracking behaviour to improve safety and reduce premiums.
- Direct Line DrivePlus – A long-established telematics brand offering feedback-driven pricing for careful drivers.
- Marmalade Black Box Insurance – Designed for young and learner drivers looking to demonstrate safe driving through data.
- Hastings Direct YouDrive – Smartphone-based telematics for everyday drivers seeking a transparent, connected experience.
With this launch, Zego joins the ranks of the UK’s leading learner insurers but brings something entirely new to the learner space — a digital-first telematics car insurance policy built around smartphone data, convenience, and continuous engagement.
While most telematics insurers use physical black boxes, Zego’s Sense app captures driving behaviour seamlessly through mobile sensors, giving learners instant insight into how safely they drive.
By combining app technology, behavioural data, and fair pricing, Zego is reshaping learner driver insurance, turning it from a static policy into a connected, confidence-building experience.
Learner drivers often face some of the UK’s highest insurance costs, despite driving under supervision. Zego’s new annual learner policy aims to change that by connecting safety with value.
Through its telematics-driven approach, Zego rewards real-world good driving, helping learners prove their skill, grow their confidence, and start their driving journey on the right foot. It’s not just about getting insured — it’s about empowering the next generation of UK drivers to take control of how they’re assessed, insured, and rewarded.
Zego is a UK-based telematics car insurance company on a mission to make vehicle insurance fairer, smarter, and more flexible. Its flagship product, the Zego Sense app, uses real-world driving data to personalise premiums, giving safer drivers lower prices and greater control over their coverage.
Founded in London in 2016, Zego became the UK’s first insurtech unicorn in 2021, reaching a $1 billion valuation. Today, Zego provides connected insurance solutions across private hire, courier, delivery, and learner driver markets, helping every customer get fairer insurance based on how they actually drive.
Learn more at www.zego.com or download the Zego Sense app to start building your driver score today.
