Zego

Zego is an FCA-regulated UK insurtech providing flexible, technology-driven motor and public-liability insurance built for the gig economy. Its telematics app (Sense) rewards safe driving, and it covers food-delivery and courier riders, private-hire and taxi drivers, van drivers, fleets, and learner drivers with monthly or annual policies. Zego works with partners such as Uber, Deliveroo, Just Eat and Amazon Flex, has served around 750,000 drivers and sold over 94 million policies. Beyond consumer products, Zego operates a RESTful Partner API (developer.zego.com, base URL api.zego.com) that lets work providers activate and deactivate insurance cover per shift, register and validate customers, enrol customers on public liability, issue fixed-term policies, and match external users to Zego customers, with signed webhooks for sign-up integration.

Zego publishes 5 API contracts indexed on the APIs.io network, including Customer Integration API, Customers API, Occupations API, and 2 more. Tagged areas include Company, Insurance, Insurtech, Auto Insurance, and Gig Economy.

The Zego catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.

Zego’s developer surface includes documentation, engineering blog, support, and 8 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

28.4/100 thin ▬ flat Agent 23/100 agent aware Front door AI 2/6 trace Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract 2 Agent Skills

Company Insurance Insurtech Auto Insurance Gig Economy TelematicsFleet InsurancePublic LiabilityPartner API

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 28.4/100 · thin

Contract Quality 3.9 / 19

Developer Ergonomics 4.6 / 15

Access Clarity 3.2 / 15

Operational Transparency 3.3 / 10

Contract Governance 1.2 / 9

Discoverability 5.0 / 8

Regulatory Posture 3.4 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 23/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Show this score on your site.

It updates itself when the score changes. Paste this where you link to your API docs:

<a href="https://apis.io/providers/zego/"><img src="https://apis.io/badge/zego/card.svg" alt="Zego on APIs.io — Kin Score by API Evangelist"></a>

Other styles, a README pill and a shields.io endpoint are on the badge page.

Raise your score.

Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link

8 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 20.8 — up to +19.8 composite points
Access Clarity scores 21.1 — up to +15.8 composite points
Developer Ergonomics scores 30.4 — up to +13.9 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/zego/apis.yml: open an issue on github.com/api-evangelist/zego to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
FMCSA Registered Electronic Logging Devices	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 5

Individual APIs this provider publishes, each with its own machine-readable definition.

Zego Customer Integration API

Match external users to Zego customers.

Zego Customers API

Customer status, validation, registration and enrolment.

Zego Occupations API

Supported public liability occupations.

Zego Policies API

Fixed-term public liability policies.

Zego Shifts API

Start and end insurance cover periods (shifts) for customers.

Open Collections 5

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Zego Partner Customer Integration API

OPEN COLLECTION

Zego Partner Customer Integration Customers API

OPEN COLLECTION

Zego Partner Customer Integration Occupations API

OPEN COLLECTION

Zego Partner Customer Integration Policies API

OPEN COLLECTION

Zego Partner Customer Integration Shifts API

OPEN COLLECTION

Agent Skills 2

Packaged agent skills for driving this provider's APIs from an AI assistant.

Enrol a Zego customer on public liability cover

AGENT SKILL

Manage Zego shift cover for a customer

AGENT SKILL

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Zego Webhooks

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Zego API Rules

56 rules · 54 errors 1 warnings 1 info

SPECTRAL

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Zego Authentication

apiKey · 1 scheme

SECURITY

Zego Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Zego Vulnerability Disclosure

no policy recorded

SECURITY

Resources

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

AgentSkill

AgentSkill

X-MCPServerCandidate

X-MCPServerCandidate

Access & Security 3

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

Security

Security

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: zego
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/zego.png
name: Zego
description: Zego is an FCA-regulated UK insurtech providing flexible, technology-driven motor and public-liability insurance
  built for the gig economy. Its telematics app (Sense) rewards safe driving, and it covers food-delivery and courier riders,
  private-hire and taxi drivers, van drivers, fleets, and learner drivers with monthly or annual policies. Zego works with
  partners such as Uber, Deliveroo, Just Eat and Amazon Flex, has served around 750,000 drivers and sold over 94 million policies.
  Beyond consumer products, Zego operates a RESTful Partner API (developer.zego.com, base URL api.zego.com) that lets work
  providers activate and deactivate insurance cover per shift, register and validate customers, enrol customers on public
  liability, issue fixed-term policies, and match external users to Zego customers, with signed webhooks for sign-up integration.
url: https://raw.githubusercontent.com/api-evangelist/zego/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- balderton-capital
- general-catalyst
- qiming
- techstars
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Insurance
- Insurtech
- Auto Insurance
- Gig Economy
- Telematics
- Fleet Insurance
- Public Liability
- Partner API
tags_raw:
- Company
- Insurance
- Insurtech
- Motor Insurance
- Gig Economy
- Telematics
- Fleet Insurance
- Public Liability
- Partner API
apis:
- aid: zego:zego-customer-integration-api
  name: Zego Customer Integration API
  description: Match external users to Zego customers.
  humanURL: https://developer.zego.com/
  baseURL: https://api.zego.com
  tags:
  - Customer Integration
  properties:
  - type: OpenAPI
    url: openapi/zego-customer-integration-api-openapi.yml
  - type: Documentation
    url: https://developer.zego.com/
  - type: Authentication
    url: authentication/zego-authentication.yml
  - type: Conventions
    url: conventions/zego-conventions.yml
  - type: Lifecycle
    url: lifecycle/zego-lifecycle.yml
  - type: ChangeLog
    url: changelog/zego-changelog.yml
  - type: Webhooks
    url: asyncapi/zego-webhooks.yml
  - type: ErrorCatalog
    url: errors/zego-problem-types.yml
  - type: DataModel
    url: data-model/zego-data-model.yml
  - type: LLMsTxt
    url: llms/zego-llms.txt
- aid: zego:zego-customers-api
  name: Zego Customers API
  description: Customer status, validation, registration and enrolment.
  humanURL: https://developer.zego.com/
  baseURL: https://api.zego.com
  tags:
  - Customers
  properties:
  - type: OpenAPI
    url: openapi/zego-customers-api-openapi.yml
  - type: Documentation
    url: https://developer.zego.com/
  - type: Authentication
    url: authentication/zego-authentication.yml
  - type: Conventions
    url: conventions/zego-conventions.yml
  - type: Lifecycle
    url: lifecycle/zego-lifecycle.yml
  - type: ChangeLog
    url: changelog/zego-changelog.yml
  - type: Webhooks
    url: asyncapi/zego-webhooks.yml
  - type: ErrorCatalog
    url: errors/zego-problem-types.yml
  - type: DataModel
    url: data-model/zego-data-model.yml
  - type: LLMsTxt
    url: llms/zego-llms.txt
- aid: zego:zego-occupations-api
  name: Zego Occupations API
  description: Supported public liability occupations.
  humanURL: https://developer.zego.com/
  baseURL: https://api.zego.com
  tags:
  - Occupations
  properties:
  - type: OpenAPI
    url: openapi/zego-occupations-api-openapi.yml
  - type: Documentation
    url: https://developer.zego.com/
  - type: Authentication
    url: authentication/zego-authentication.yml
  - type: Conventions
    url: conventions/zego-conventions.yml
  - type: Lifecycle
    url: lifecycle/zego-lifecycle.yml
  - type: ChangeLog
    url: changelog/zego-changelog.yml
  - type: Webhooks
    url: asyncapi/zego-webhooks.yml
  - type: ErrorCatalog
    url: errors/zego-problem-types.yml
  - type: DataModel
    url: data-model/zego-data-model.yml
  - type: LLMsTxt
    url: llms/zego-llms.txt
- aid: zego:zego-policies-api
  name: Zego Policies API
  description: Fixed-term public liability policies.
  humanURL: https://developer.zego.com/
  baseURL: https://api.zego.com
  tags:
  - Policies
  properties:
  - type: OpenAPI
    url: openapi/zego-policies-api-openapi.yml
  - type: Documentation
    url: https://developer.zego.com/
  - type: Authentication
    url: authentication/zego-authentication.yml
  - type: Conventions
    url: conventions/zego-conventions.yml
  - type: Lifecycle
    url: lifecycle/zego-lifecycle.yml
  - type: ChangeLog
    url: changelog/zego-changelog.yml
  - type: Webhooks
    url: asyncapi/zego-webhooks.yml
  - type: ErrorCatalog
    url: errors/zego-problem-types.yml
  - type: DataModel
    url: data-model/zego-data-model.yml
  - type: LLMsTxt
    url: llms/zego-llms.txt
- aid: zego:zego-shifts-api
  name: Zego Shifts API
  description: Start and end insurance cover periods (shifts) for customers.
  humanURL: https://developer.zego.com/
  baseURL: https://api.zego.com
  tags:
  - Shifts
  properties:
  - type: OpenAPI
    url: openapi/zego-shifts-api-openapi.yml
  - type: Documentation
    url: https://developer.zego.com/
  - type: Authentication
    url: authentication/zego-authentication.yml
  - type: Conventions
    url: conventions/zego-conventions.yml
  - type: Lifecycle
    url: lifecycle/zego-lifecycle.yml
  - type: ChangeLog
    url: changelog/zego-changelog.yml
  - type: Webhooks
    url: asyncapi/zego-webhooks.yml
  - type: ErrorCatalog
    url: errors/zego-problem-types.yml
  - type: DataModel
    url: data-model/zego-data-model.yml
  - type: LLMsTxt
    url: llms/zego-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 15
  pass: local-v1
common:
- type: AgentSkill
  url: skills/zego-enrol-public-liability.md
- type: X-MCPServerCandidate
  url: mcp/zego-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: VulnerabilityDisclosure
  url: security/zego-vulnerability-disclosure.yml
- type: Security
  url: https://www.zego.com/security/
- type: DomainSecurity
  url: security/zego-domain-security.yml
- type: Website
  url: https://www.zego.com/
- type: Documentation
  url: https://developer.zego.com/
- type: Blog
  url: https://www.zego.com/blog/
- type: Support
  url: https://www.zego.com/help/
- type: TermsOfService
  url: https://www.zego.com/terms-and-conditions/
- type: PrivacyPolicy
  url: https://www.zego.com/privacy/

Zego API — frequently asked questions

Does Zego have an API?

Yes. APIs.io lists 5 APIs from Zego, including Zego Customer Integration API, Zego Customers API and Zego Occupations API, and 2 more.

Is there an OpenAPI specification for the Zego API?

Yes. APIs.io indexes 5 OpenAPI specifications for Zego, each linked for download from this page.

How do I authenticate with the Zego API?

Zego uses bearer-token authentication (apiKey · 1 scheme). The details are profiled on APIs.io as Zego Authentication.

Is the Zego API ready for AI agents?

Zego has a Kin Score of 28.4 out of 100 (thin) and an Agent Readiness score of 23.1 (agent-aware), scored by API Evangelist on 2026-11-06.

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/zego"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/zego/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/zego/evidence"

Calls without X-API-Key need no key. Calls with it need a paid plan — get a key.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.