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The system is fantastic. I think everyone should use telematic insurance – the roads would be much safer.
George Rhodes, aged 18, AA Drivesafe policy holder
AA Drivesafe Insurance is specially designed to put you in control of your insurance premium – if you drive safely you can earn money back in your pocket.
We'll give you an upfront discount and fit a telematic Drivesafe box that tells us how well you drive by providing a driving score.
For every 10 driving score points gained for safe driving, you get money back. But, for every 10 driving score points lost for bad driving, your premium costs will go up.
If you drive safely, you'll be eligible for a discount after three months.**
If your premium does go up, don't worry – you'll have a week to pay the extra premium.
Read more about how AA Drivesafe Insurance works.
* Based on the average premium reduction of all AA Drivesafe policyholders three months after the Drivesafe box installation. Premium reductions are given either as an adjustment to the monthly instalment or a refund, depending on the original payment option selected.
** No discounts or refunds are available if a high Drivesafe score has already been attained, or if you start/move onto the lowest premium.
The underwriter of your car insurance policy will be chosen from our panel of insurers.
AA Drivesafe Insurance is arranged by Automobile Association Insurance Services Limited. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales number 2414212.
Automobile Association Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA). You can check their register or call the FCA on 0800 111 6768.
Have the Drivesafe box fitted at a time and place to suit you. It only takes about 45 minutes to install in your car and to complete the paperwork.
The Drivesafe box uses cutting-edge GPS technology to calculate how the vehicle is being driven in terms of:
When you take out your AA Drivesafe Insurance policy, the insurer will give you a 'driving score' between 0 and 100. This score can then be improved by safe driving based on the driving criteria above.
If your score improves by 10 points or more, you will get a refund of some of your premium. However, if the score goes down by 10 points or more due to poor driving, you will have to pay extra insurance throughout the year.
It's important to remember that if your score is continually low, despite our help and tips to improve your driving, your premium can increase.
The Drivesafe telematic box records information about how you are driving under four categories:
You can see how you are performing at any time with your personal secure online Drivesafe Dashboard.
Separate reports are provided for monthly mileage, daily mileage, journey lengths and road type usage.
The Dashboard displays your up-to-date Drivesafe score, and provides regular alerts and emails showing how your car is being driven. It also offers advice on how to improve your score.
If you drive more safely and the score improves by 10 points or more then you get a premium reduction. But remember, if your car is not driven safely and your score goes down by 10 points or more, the premium will go up.
Not only are all your individual reports stored directly on to your Dashboard, but you can also add useful alerts such as the MOT test date, car tax renewal, or when the next service is due.
You can even access your insurance documents, including your certificate of car insurance, through the Drivesafe Dashboard.
|Summary of cover||Comprehensive cover|
|24-hour dedicated claimline, available 365 days a year|
|24-hour dedicated theft tracking service available 365 days a year, 24/7|
|On-line policy documents via your personal driving dashboard|
|Liability to others for death or injury or damage to property|
|Travelling abroad|| Up to 90 days' third party car insurance
cover across EU countries
|Damage caused by fire or theft (for broken glass - see Windscreens and window)|
|Courtesy car while your car is repaired by an approved repairer (subject to availability)|
|Personal belongings in the insured car (damaged or stolen)||Up to £100|
|Audio or radio equipment||
Up to £150 audio cover, unless part of
manufacturer's specification then unlimited
|Death or loss of limb or permanent loss of sight to you and / or your partner||Up to £5,000 for injury or death|
|Medical expenses||Up to £200 per person injured|
|Windscreens and windows – 24-hour glass repair/replacement||
If AA Autowindshields repair the glass,
cover is unlimited with no excess to pay
Knowing my performance on the road is being monitored makes me think about my driving style, especially speed and braking and I believe that it has made me a responsible driver…
I have no doubt that because of it, I am a much better driver – and I know that it makes my parents happier when I’m out in the car.
George Rhodes, aged 18, AA Drivesafe policy holder
AA Drivesafe Insurance is not just for young drivers. Maybe you just haven't needed to drive before, or you've previously been insured on someone else's policy. Pay how you drive car insurance can help you reduce your premium while you build up your experience – and your
Insurance companies view new drivers as a high risk group, and this can mean a high premium even if you've driven in the past.
If you're willing to prove that you're a safe driver you could soon pay less for your cover with AA Drivesafe Insurance, plus you can even get money back throughout your policy.
AA Drivesafe Insurance will also appeal to parents of young drivers. Not only can you cut the cost of your son's or daughter's independence, you also have the reassurance that your child has an incentive to drive safely.
Just by having the Drivesafe box installed we're finding that our new drivers are driving much more safely, which means a bit more peace of mind for parents. Plus if you're paying the premium, it could mean money back in your pocket.
Please read all of the information relating to your policy before you buy AA Drivesafe Insurance.
Documents last updated April 2013
Can I get Drivesafe Insurance if I have a provisional licence?
Yes. You can buy Drivesafe Insurance if you hold a provisional licence and have a named driver on the policy who is a qualified driver. This is a great way to get cover while you practice for your driving test.
But be aware that once you pass your test the premium is likely to increase. This is because you will be driving more on your own rather than having another driver monitoring you.
What happens if I change my vehicle after taking out Drivesafe Insurance?
We recommend Drivesafe Insurance to customers who do not anticipate changing their vehicle within the next two years. If you do change your car a new Drivesafe box will need to be installed in the new vehicle, with a fitting fee of £120. So before you commit to buy, do make sure you're not planning to change cars.
Will I definitely get money off my policy?
Drivesafe customers receive a discount on their original insurance premium because they are now having their driving monitored by the Drivesafe box.
However, there is no guarantee that all customers will get further money back on their policy. This depends on how well you drive and how your Drivesafe score improves (see the Drivesafe Dashboard below). A change in premium is triggered when your Drivesafe score improves or goes down by 10 points or more.
What is a Drivesafe box?
The Drivesafe box is a small telematic device that measures how well the car is driven. It must be fitted to your car by our qualified engineer. It uses GPS and data from the engine control unit (ECU) to tell us how the car is being driven.
Why do you need to install a Drivesafe box in my car?
AA Drivesafe is an insurance policy which rewards good driving behaviour.
To assess your driving, we need to install a Drivesafe box to collect various information from the vehicle such as location, when and how it is driven, and where it is kept overnight. It also includes a tracker to help us to retrieve the vehicle if it is stolen.
It is a condition of Drivesafe Insurance that a box is installed in your vehicle within 28 days of purchase of the policy. This is so we can start as quickly as possible to accurately measure how the vehicle is being driven.
Do I have to pay for the Drivesafe box that goes in my car?
No, we pay for the Drivesafe box and installation. However, if you change your car then you would have to pay for a new box to be fitted.
When will the Drivesafe box be installed?
The Drivesafe box will be installed on a date you provide to us when you purchase the policy. The Drivesafe box can be installed at home or at work, and you can select a morning or afternoon time, Monday to Friday. As a condition of the policy, the Drivesafe box must be installed within 28 days from the date you purchase the policy, if not we will need to cancel your insurance.
If you do not attend your appointment, or cancel within 24 hours, you will be charged a missed appointment fee.
Where do you install the Drivesafe box within the car?
We have trained professional installers who place the Drivesafe box in the car. It is small, compact and is installed out of sight. We don't publish where it is located for security reasons, as the box also works as an anti-theft tracker.
Could it cause problems with my car?
No, and it does not invalidate your manufacturer's warranty. All our installers are trained professionals.
What documents do I need to provide you with?
At the installation our engineer will need the following original documents in order to fit the Drivesafe box:
If you are unable to provide us with the documentation we require, we may be unable to proceed with the installation and you may be charged a fee.
Who owns the Drivesafe box?
The Drivesafe box is the property of The AA.
What happens to my insurance costs if the Drivesafe box stops working?
The technology in the box allows us to fix it remotely in over 90% of cases. If that is not possible we will send a representative to identify the problem and fix it or replace the box. While the box is not operating no driving behaviour will be collected, so your overall score will not be affected.
I am selling my car, what do I do about the box?
You should tell the new owner that the box is in place. You must also advise us that you are selling the car to ensure the insurance policy is kept up to date. If you would like to transfer your Drivesafe Insurance policy to another car then the Administrator will arrange this for you (a fee will be charged) – you may require a further box to be fitted.Back to top
How do you check how well the car has been driven?
We consider four Drivesafe factors: speed; anticipate traffic; follow the landscape; and where and when.
Speed is one of the biggest factors in fatal road crashes. The faster someone is driving, the less time they have to stop if something unexpected happens. Source: think.direct.gov.uk
Speed limits are there for a reason, and we monitor the speed of the vehicle against the road speed limit. The more frequently the vehicle is driven within the speed limit the higher the score will be.
Anticipate Traffic is about the driver's ability to see what is up ahead and react with controlled and smooth braking. In normal circumstances the safest way to brake is to do so early and lightly, braking more firmly as you begin to stop. Source: The Highway Code
The smoother the vehicle is driven over a period of time the higher the score will be. Hard braking events will reduce the score.
Follow the Landscape is about the driver's ability to anticipate the road ahead and drive at a speed suitable for the characteristics of the road (corners and bends). Driving too fast will cause the vehicle to tilt and we monitor this. The more frequently the vehicle is driven at appropriate speeds around corners over a period of time the higher the score will be.
Where and When considers the times the vehicle is being driven on specific roads (by speed limit). Driving in the dark is one of the most dangerous times of driving. Visibility is lower than in daylight hours and a driver's depth perception is reduced, which can cause impaired judgement and delayed reflex actions. Driving between the hours of 10pm and 5am will reduce your score.
What else will the Drivesafe box check?
We can check that the vehicle is kept overnight where you said it would be and the number of miles you drive. This may impact the premium during the year, and will ensure that you are offered a bespoke renewal premium based on how your car has been driven – not how other people drive.
The Drivesafe box is also a theft tracking device, so in the event your car is stolen you can call us as we will start to track the vehicle immediately.
How does the theft tracking work?
If your car is stolen then you need to contact the police, obtain a crime reference number and advise them that your car is fitted with a tracking device. Contact the theft helpline 0844 583 9529, quoting your policy number and the crime reference number. The theft helpline will then trace your vehicle and notify the police. You should also notify the claims helpline that the vehicle has been stolen.Back to top
What is the Driving Dashboard?
Your Driving Dashboard is a secure, personalised web page which provides you with your Drivesafe score and reports. You can track your Drivesafe scores over time, and review the miles you have driven and on which types of roads.
It also provides you with access to your policy documentation, certificate of insurance and policy communications, so it is important you review your Driving Dashboard regularly.
What is the Drivesafe score?
An insurer will give you initial score between 0–100, based on a number of factors at the time that you take out the policy. This score is usually around 60 points.
Each time you drive your driving behaviour is assessed based on speed, time of day, cornering, braking and deceleration and a score is given. If your driving improves by 10 points or more you get a refund of some of your insurance premium. However, if your Drivesafe score goes down by 10 points or more, additional fees are applied.
How will I be able to tell if my premium is going to change?
We provide you with your own Driving Dashboard web page where you can view your Drivesafe score and driving reports. If your score moves from the 'good' range then your premium may change. Your premium can reduce as well as increase. We will always write to you and give you notice that your premium is changing.
I don't agree with the Drivesafe score on my personal Driving Dashboard – what can I do?
Contact our Customer Service Team on 0800 068 2912, who will investigate for you.
How do I get my insurance documents?
Your policy document can be accessed via your Driving Dashboard. These are online documents and include your welcome pack, certificate of insurance and communications regarding changes to your policy.
It is important you review your Driving Dashboard regularly. Login details will be sent to you via email after you have purchased the policy.
What are Drivesafe discounts?
Your Drivesafe score provides an indication of how safely your vehicle is being driven. We monitor the four Drivesafe factors to assess how safely the car is driven: speed; follow the landscape; anticipate traffic; and where and when.
The higher the score, the more likely the car is being driven safely. If the Drivesafe score improves by 10 points or more, you get a discount on your premium during the policy.
It is important to note that if the Drivesafe score goes down by 10 points or more, your premium will increase. Premiums can go up as well as down.
How is a Drivesafe discount refunded to me, or extra money taken for an increased premium?
If you pay your premium by instalments, any extra fees will be added to your next instalment payment. Else if your premium has gone down due to a Drivesafe discount, the amount will be deducted from the next instalment.
If you paid for your insurance policy by credit or debit card, the refund or extra premium will be taken from or added to the card with which you paid.
Will you share my data with anyone else?
It is important that you read the use of the Drivesafe Box Data which describes who will use the information collected by the Drivesafe box and application and for what purposes.
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