FAQ - My Scores



  1. What is my 'Model Driving Score' based on and how is it calculated?
  2. Will you give me tips on how to improve my scores?
  3. How is my 'Speed Score' calculated?
  4. How is my 'Braking Score' calculated?
  5. How is my 'Regular Routes Score' calculated?
  6. How is my 'Night-Time Driving Score' calculated?
  7. Am I banned from driving late at night?
  8. How often will my scores be updated?
  9. Do you monitor any other details?
  10. What if my mileage is higher than I estimated?
  11. What happens if my 'Model Driving Score' keeps going down?
  12. Will you help me to improve my driving?
  13. What if I don't agree with the data or score on my dashboard?

 

1. What is my ‘Model Driving Score’ based on and how is it calculated?

Your overall ‘Model Driving Score’ score range runs from 0 up to 100 and the higher, the better!  It is made up of your individual scores for the driving behaviours that we monitor – Speeding, Braking, Night-Time Driving and Regular Routes.  We don’t just add them up and divide by four to find the average.  It’s more complicated than that!  Each driving behaviour has its own weighting with Night-Time Driving the most important with the highest weighting followed by Speeding, Braking and then Regular Routes.  

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2. Will you give me tips on how to improve my scores? 

Yes, on your online dashboard there are extensive tips on how you can look to improve your scores for all four driving behaviours.

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3. How is my ‘Speed Score’ calculated?

We will measure speed and whether your car is being driven within the road speed limits, just over them or well over them and for how long.  With this information, we’ll calculate your ‘Speed score’.  Treat your Model Driver Black Box like a speed camera - there’s only a little lee-way before it will flash!  The higher your score, the safer your driving style - which means you (and anyone else who has been driving your car) have been keeping within the speed limits most of the time.  A low score shows that you have been breaking the speed limit on a regular basis.

You will be given an initial baseline ‘Speed Score’ at the start of your policy.  Your ‘Speed Score’ is an average from your policy start date and not a daily score – so it will stabilise or flatten out over time as you clock up your policy mileage.

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4. How is my ‘Braking Score’ calculated?

Your ‘Braking Score’ relates to how often and how hard you brake.  Heavy braking or braking suddenly is a clear indicator that you may be driving too fast or too close to the vehicle in front. 

We class heavy braking in 5 levels according to its firmness.  It’s officially measured in milli-Gs but we prefer to use the ‘handbag on passenger seat’ topple test (although we recommend keeping your handbag out of sight whenever possible!):

  • Level 1 braking – handbag wobbles on your passenger seat
  • Level 2 braking – handbag topples over on your passenger seat
  • Level 3 braking – handbag falls into the foot well
  • Level 4 braking - handbag falls into the foot well and topples over
  • Level 5 braking - handbag falls into the foot well, topples over and everything falls out!  You’ve had a collision or made an emergency stop

Level 2 could be tailgating or not leaving enough room between you and the car in front resulting in frequent, sharp braking.  Level 3 might be leaving it too late to brake for a junction or not shifting down through your gears.  Level 4 might be approaching a roundabout too quickly and then needing to stop suddenly to give way to a vehicle that you didn’t anticipate. 

So every time you brake hard (Level 2-4), your score will be chipped away.  We don’t count Level 1 or Level 5.  We understand that accidents or ‘near misses’ do happen and that we sometimes need to brake that little bit harder than usual.

You will be given an initial baseline ‘Braking Score’ at the start of your policy.  Your ‘Braking Score’ is an average from your policy start date and not a daily score – so it will stabilise or flatten out over time as you clock up your policy mileage. 

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5. How is my ‘Regular Routes Score’ calculated?

We calculate your score by how often you take the same journeys from A to B.  So it could be home to work, work to the gym, home to a friend’s house and so on.  The more frequent your regular routes or journeys, the higher your score will be.  To be classed as a regular route, the exact same drive from A to B must initially take place on at least ten different days and at least once every 28 days to remain familiar thereafter. 

You will be given an initial baseline ‘Regular Routes Score’ at the start of your policy.  Your ‘Regular Routes Score’ is an average from your policy start date and not a daily score – so it will stabilise or flatten out over time as you clock up your policy mileage. 

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6. How is my ‘Night-Time Driving Score’ calculated?

We will record the number of times that you drive late at night and what proportion of your driving time is between the hours of 11pm and 5am when calculating your ‘Night-Time Driving Score’.  The higher your daytime percentage, the higher your score. 

You will be given an initial baseline ‘Night-Time Driving Score’ at the start of your policy.  Your ‘Night-Time Driving score’ is an average from your policy start date and not a daily score – so it will stabilise or flatten out over time as you clock up your policy mileage.

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7. Am I banned from driving late at night?

No, we impose no curfew.  Just be aware that driving between 11pm and 5am will have a significant impact on both your ‘Night-Time Driving score’ and your overall ‘Model Driving Score’.

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8. How often will my scores be updated?

Your scores will be updated every day – usually overnight.  Therefore, it is important to regularly access your dashboard to keep a close eye on your scores and therefore how well your car is being driven.

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9. Do you monitor any other details?

Other than your driving behaviours, we also monitor your policy mileage and the overnight location of your car.

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10. What if my mileage is higher than I estimated?

If your mileage is considerably more than your initial estimate, please contact our Customer Service team on 0345 605 1763.

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11. What happens if my ‘Model Driving Score’ keeps going down?

If your ‘Model Driving Score’ has fallen significantly you may need to pay an additional premium at the end of our review period when we recalculate your premium.  It’s important to review the ‘Tips’ section on your dashboard to try to improve your driving habits and therefore your score.

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12. Will you help me to improve my driving?

Yes, we will send you monthly emails detailing your ‘Model Driving Score’ and will email you every 6 months when we review your ‘Model Driving Score’ to recalculate your premium.  In both emails we will highlight the ‘Tips’ section on your dashboard which can offer practical ways to improve your driving habits and your scores.

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13. What if I don’t agree with the data or score on my dashboard?

Call our Customer Service team on 0345 605 1763.

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