Driver score and alerts
Your telematics device calculates a driving score, which helps us to measure how safely you are driving. The higher the score, the safer the driver we believe you to be.
What is a driving score?
Your device calculates a driving score, which helps us to measure how safely you are driving.
Scores are calculated in a range of 1 to 100, with 100 indicating the best driving behaviour. The device collects data on speed, acceleration, braking, time of use and journey duration.
The scores are then presented individually within the app, in the following sections.
- Overall score.
- Speed.
- Braking.
- Night-time driving.
We calculate your renewal premium based on how you have driven in the previous year.
You can review your driving score by logging into the telematics app, which is available by visiting the Apple and Android app stores.
Telematics 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 can help.
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 speed you drive.
- How you brake.
- Distance travelled.
- The type and speed limit of roads the vehicle travels on.
Overall
Your score is calculated by focusing on 3 specific areas of driving:
- The frequency of speeding.
- The time of day you are driving.
- The duration of your journeys.
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.
Night-time driving
Our policies do not have curfews, we like to give you the freedom to drive when you want.
However, keep in mind that driving late at night, between 11 pm and 5 am, could negatively affect your score as there is a greater risk of being involved in an accident.