Launch of the DriveScore app, which rewards good driving with lower vehicle insurance premiums

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    Of course, before purchasing or renewing your insurance, you should always compare prices to see if you can get a better deal elsewhere. For more information on the best deal, see our Young Driver Insurance and our regular car insurance guides, or our Multicar Insurance Guide if you have more than one car in your household.

    What is DriveScore?

    DriveScore is a free app for Android and iOS that collects data about your driving style in a similar way to so-called “black box” technology. It differs from DriveScore in that you don’t have to install anything in your car – it instead gathers information from your phone’s sensors.

    As a user, you don’t have to do anything after setting up the app, as the app works in the background. However, you must notify the app when you are a passenger in a car or other vehicle.

    Once the app has collected enough data, you will receive a score of 1,000. You can then share this score with DriveScore’s insurance partners, who offer you personalized insurance premiums based on your driving skills. The minimum number of miles required for an initial score is 150 and your score is based on your driving in the last 365 days or less if you have not used the app in a long time.

    How do certain maneuvers affect my score?

    DriveScore looks at low risk driving, which will help you get a higher score, such as:

    • Gentle acceleration.
    • Take corners with ease.
    • Avoid heavy braking.

    Driving at increased risk now includes:

    • Sudden braking.
    • Hard cornering.
    • Excessive Speed ​​- DriveScore contains a database of road speed limits that is used to compare drivers’ speeds.
    • Driving at night – DriveScore defines this between 10:00 p.m. and 4:00 a.m.
    • If you manually use your phone while driving (even if the contents are not accessed), although it is illegal to do so anyway.

    Other data used to determine your score includes the roads you drive, how far and how often you drive.

    How much can I withdraw from my insurance?

    The idea is that the better the driver you are, the higher your score and the bigger the insurance discount that you are offered. DriveScore says discounts are set individually, but that they could be “double digits”.

    However, DriveScore currently only has a partnership with seven insurers – Admiral, Elephant, Diamond, Hastings, Insure Pink, People’s Choice, and Provident – and given the early days, we don’t yet know how much the app will save you.

    If I drive badly, could DriveScore increase my rewards?

    Sharing your score with insurers is disabled by default, so your data will only be shared if you request it via the app. If DriveScore believes that your score is hindering you and could lead to higher insurance premiums, you cannot pass your score on to insurers until it has improved.

    Your score will not be shared in your credit report file or with other insurers unless DriveScore adds new insurers and you choose to share your score with them.

    Who is DriveScore best for?

    In general, drivers with higher insurance premiums, such as younger and newcomers, will benefit most from using DriveScore as it can help them cut costs while building their no-claims bonus.

    However, it is likely to be less beneficial for drivers who have had a no claims bonus for years as the policies for those drivers are already significantly cheaper than they are for newer drivers or drivers who have recently made a claim. Therefore, drivers with cheaper existing premiums are likely to save less in real terms.

    How can I check whether DriveScore is worthwhile for me?

    Just because you are offered a discounted offer through DriveScore doesn’t mean it is the cheapest option for you. You should always check if you can beat the rewards the app offers you. Here’s a quick rundown of the best ways to find a cheap policy outside of DriveScore:

    • Collect quotes from direct insurers and find exclusive MoneySavingExpert.com deals. Direct Line * does not appear on comparison sites and can be competitive. You won’t find some specials either – see Hot Deals comparisons.
    • Then check to see if any cashback sites can beat the deals. Topcashback * gives £ 42 on purchases through their comparison service and Quidco * gives £ 40. But it’s also worth checking if you can then increase that amount by going straight to the insurer through Topcashback * and Quidcos * normal websites – here you can sometimes get up to £ 70 per policy.



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