Zara Phillips was educated at Port Regis Prep School and at British Salem School in Gordonstoun, Scotland. Zara, like her mother, is an equestrian sportswoman. Unlike her mother, she has a pierced tongue.
She has one brother, Peter Phillips. Though a grand-daughter of Queen Elizabeth II, her parents decided that neither of their children would receive peerages. In addition, since Captain Phillips never received a title as a consequence of his marriage, they do not have courtesy titles.