# Sten Saar

> Sten Saar is the London-based co-founder and CEO of Zego. He began with a student notebook business in Estonia, worked in operations at onefinestay and Deliveroo, and co-founded Zego in 2016 to offer flexible insurance for delivery workers. His later work has centred on telematics, internal claims operations and expansion into personal motor insurance.

- **Role:** Co-founder and CEO at Zego
- **Organizations:** Zego, Deliveroo, onefinestay, Quickstart Global, Realister
- **Education:** Business and Management studies, Tallinn University of Technology (TalTech)
- **Known for:** Built a notebook business operating in four countries by age 21, with a team of 22., Co-founded Zego in 2016 and became CEO in 2018., Led Zego during its $150 million Series C at a $1.1 billion valuation in March 2021.

## Career timeline

- **Age 17** — Started a notebook business in Estonia; products included useful school formulas inside the covers.
- **2006** — Realister’s Latvian operation was established with local partners.
- **2009** — Moved to England and stepped away from day-to-day involvement in the notebook business.
- **2009-2016** — Worked in sales and marketing at Quickstart Global, then operations at onefinestay and Deliveroo; precise job dates are not established here.
- **2013** — Sold the notebook business.
- **2016** — Co-founded Zego with Harry Franks and Stuart Kelly, initially serving as COO.
- **2018** — Became Zego CEO after exchanging roles with Harry Franks.
- **2019** — Zego obtained its own insurance licence in November.
- **2021** — Zego raised $150 million at a $1.1 billion valuation in March.
- **2023** — Published an account of building an internal claims operation with over 40 specialists.
- **2025** — Spoke at TalTech in January; Zego launched personal car insurance in February.
- **2026** — Sompo announced a strategic investment and Japan-focused partnership in April; Zego’s reported 2025 accounts showed a £4.6 million profit in September.

## Achievements

- Built a notebook business operating in four countries by age 21, with a team of 22.
- Co-founded Zego in 2016 and became CEO in 2018.
- Led Zego during its $150 million Series C at a $1.1 billion valuation in March 2021.
- Zego won Claims Initiative of the Year at the 2025 National Insurance Awards.
- Zego reported a £4.6 million profit for 2025, following a £4 million loss in 2024.

## Latest updates

- **2026-09** — Reported 2025 accounts showed a £4.6 million profit, £158.5 million gross written premium and 55% year-on-year policy-count growth.
- **2026-04** — Sompo announced a strategic investment and partnership with Zego to develop digital insurance products for Japan using AI and telematics.
- **2025-03** — At Insurtech Insights, Saar discussed the transition to autonomous vehicles and called the mixed human/autonomous phase the messy middle.
- **2025-02** — Zego launched personal car insurance.
- **2025-01** — Spoke at TalTech’s economic vision conference about learning from costly mistakes.

## Links

- Website: https://www.zego.com/
- LinkedIn: https://www.linkedin.com/in/stensaar/
- Twitter/X: https://twitter.com/saarsten

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Profile page: https://yespress.io/sten-saar
Published by YesPress — https://yespress.io
Last updated: 2026-10-21