Your driving scorecard explained
Your driving scorecard is designed to give you a sense of how - from an insurance point of view - your driving compares to that of people similar to you. It focuses on four key aspects of your driving:
a.) Distance - whether you drive more or less than average
b.) Driving style - how smoothly you drive
c.) Time of day - whether you drive during the day, at night or during peak hours
d.) Speed - whether you adhere to the speed limits
The higher your score the better you are doing compared to people similar to you. See the score for each of these aspects as a mark out of 100.
The measures explained
This gives a great sense of how much driving you do. The less you drive, the less chance there is for you to be involved in an accident. Improve your distance score by not driving if you can avoid it, by car-pooling and by using alternative methods of transport.
Your driving style
Your driving style is determined by how smoothly you accelerate, brake and corner. Smooth driving is generally associated with people who are alert while on the road and aware of the cars around them and who keep a safe following distance. Improve your smoothness score by avoiding distractions while you're behind the wheel, by keeping a safe following distance and by not using your phone while you drive.
Time of day
It's safest to be on the road when visibility is good and when the roads are not congested. Improve your time of day score by avoiding night driving and rush hour where possible.
We all know speed kills. The faster you are travelling, the less time you have to react if something unforeseen happens. Also, accidents at higher speeds are generally far worse and more likely to be fatal. Improve your speed score by sticking to the speed limit and ensuring that you're travelling at a safe speed.
Handling your smartphone to send messages, check e-mails, social media and the like, is dangerous. Using your smartphone other than via a hands-free kit takes your eyes off the road and distracts your attention. It is proven to be a frequent cause of accidents - often fatal.