Car insurance policies using telematics (black boxes) aren't exactly new and have been used mainly by younger drivers to get a cost-effective premium for a few years now. However, insurer Adrian Flux has thought outside the (black)box and introduced an app called FluxScore which can predict the future... Well it can predict your renewal price so it sort of can...
It's similar to the Aviva app, but as well as analysing your driving the Adrian Flux app can tell you what your renewal price is likely to be based on your driving. Drive safely and you will save money, burn rubber and you will burn money to go with it, sounds pretty straightforward. The system can also alert the emergency services should the car be involved in an accident if the driver is unresponsive.
Young drivers have already benefited from the system, Eleanor Navrady,18 said: “Because I can see how I’ve driven on each journey, and see how my driving directly affects my premium, it’s very easy to save money, which is great for students and young people like me."
General Manager at Adrian Flux, Gerry Bucke said: “The combination of a points system to reward good drivers, and an alert system in the app to warn drivers of their mistakes, has not only seen the majority of policyholders’ premiums drop, but many people come to us to say that it has helped improve their driving.
“Our data shows that even the 20 worst drivers on our books, those who regularly received bad scores and alerts at the start of their policy, were able to respond to alerts and change their habits within 30 days to achieve scores that will ultimately save them money on their renewals.”