Driver score and alerts

Your black box device calculates a driving score, which helps us to measure how safely you are driving. The higher the score, the safer the driver we perceive you to be. 

young lady looking at mobile phone

What is a driving score?

Your black box device calculates a driving score, which helps us to measure how safely you are driving. We record scores in blocks of 100 miles and your score can range from 1 to 100. The higher the score, the safer the driver we perceive you to be. Your driving score updates approximately every 100 miles.

The scores are then presented individually within your app as a star rating with 5 being the best, for the following sections;

  • Speed.
  • Eco.
  • Time of day.
  • Journey duration.

We calculate your renewal based on how you have driven in the last year. 

You can review your driving score by logging into the Aura app, which is available by visiting the Apple and Android app stores.

Unlike traditional car insurance, which calculates your premiums based on the driving habits of similar drivers, black box insurance calculates your insurance based on how you drive. The safer you drive, the more money you could save. So, whether you’re a new driver starting out or an experienced driver looking to save money on your car insurance, Aura offers a personalised solution that’s tailored to your needs.

How we calculate your driving score

We calculate your driving score based on several factors, such as.

  • The date and time you drive your car.
  • The locations you drive your car to.
  • The speed you drive.
  • How you brake.
  • How you accelerate.
  • How you drive around corners.
  • Distance travelled.
  • The type and speed limit of roads the vehicle travels on.

Your score is broken down into two different views, you have an overall score and a block score. This is calculated by focusing on 4 specific areas of driving:

  • The frequency of speeding.
  • Eco Driving – how your car speeds up, slows down and is driven around bends & corners.
  • The time of day you are driving.
  • The duration of your journeys.

The scores are then presented individually within the app as a star rating with 5 being the best, and a combined overall score.

man holding mobile phone showing Aura app with white car and car boot open

Overall

Your score is broken down into two different views, you have an overall score and a block score.

Your score is calculated by focusing on 4 specific areas of driving:

  • The frequency of speeding.
  • How economically you drive (Eco Driving).
  • The time of day you are driving.
  • The duration of your journeys.

The scores are then presented individually within the app as a star rating with 5 being the best, and a combined overall score

We will use the blocks score to monitor your performance and provide feedback where required.

A block is a minimum of 100 miles but could be more. For example, if you have started a journey at 90 miles and then drive another 30 that block will show as 120 miles.

Speed

Your Speed score is determined by the number of times you exceed the speed limit.

Speed is a significant factor within claims history therefore it contributes largely towards your overall score.

Instances of excessive or persistent speed may mean we have to cancel your policy so it’s important to ensure you always stay within the speed limit.

If your black box device alerts us that you’ve driven above the excessive speed threshold, your policy will be cancelled immediately.

Persistent speed

If your device alerts us that you’ve been driving above the speed thresholds on a regular basis, you will receive a warning. Where a 3rd warning is triggered, the policy will be cancelled. 

Eco driving in conjunction with speed

Eco driving is calculated using acceleration, braking and cornering. Warnings will be issued where the speed and eco driving scores are below 3 stars for:

  • 3 consecutive blocks.
  • 5 blocks in total.

Where a third warning is issued, policies will be cancelled.

Eco driving

Your Eco driving score is calculated by looking at how your car speeds up, slows down and is driven around bends & corners. It does this by using technology within your Theo device to detect G-Force.

Your Eco driving score will be affected if your car frequently accelerates quickly, slows down abruptly or is driven around bends & corners too fast.

To ensure you are achieving good Eco driving scores:

  • Make sure that you accelerate smoothly and safely to an appropriate speed for the road & conditions.
  • Always leave enough space between you and the car in front as well as anticipating what is ahead to ensure you can begin to reduce your speed well in advance of having to stop or to take a bend or corner. This will allow you to do so in a safe and controlled manner.

Time of day

Our policies do not have curfews, we like to give you the ability to drive when you want.

However, keep in mind that driving at peak times, or late at night, could negatively affect your score as there is a greater risk of being involved in an accident.

Journey duration

We monitor the duration of your journeys and your score will be affected should any of your journeys exceed 2 hours in length without taking a break.