The Co-operative Insurance launches smartphone app to rate safety of young drivers

February 05, 2013
  • Free app scores each journey from 1 to 5
  • Uses GPS data to measure speed, cornering, braking and acceleration, and time of day car is driven
  • App is for drivers to ‘try before they buy’ The Co-operative Young Driver Insurance*
  • Average motorist thinks their driving is 20% better than that of other road users

The Co-operative Insurance has today launched a free Smartphone app to allow young drivers to find out how safe they are behind the wheel.

The app, available for iPhone and Android, uses telematics technology to rate drivers on their speed, cornering, braking, and acceleration, and the time of day they drive. A good overall score indicates that they are likely to save money with The Co-operative’s Young Driver insurance.

A video explaining how to use the app is here:
The app rates each individual journey completed by a driver, and scores it between one and five once completed.** An accurate score will be given for a journey of any length.

Amy Kilmartin, Young Driver Insurance Manager at The Co-operative, explains: “This is a ‘try before you buy’ app aimed at 17 to 25 years olds who may have heard of ‘Smart box’ or ‘telematics’ insurance but aren’t sure if it’s right for them.

“Once downloaded it will score any journey you go on between one and five, and if you get a good score – four or five – you could see big savings if you opt for our Young Driver insurance.”

The average Young Driver Insurance premium for 17 to 22 year olds is £1,345 – more than £300 cheaper than the average ‘shoparound’ premium of £1,651***.  Customers will earn 20% of their initial premium back in discounts if they achieve a top score of five for their overall driving performance.

Although aimed at young drivers, the app is available for people of any age to download. More than half of The Co-operative’s Young Driver Insurance policies are shared between young drivers and their parents so the app will also provide a ‘try before you buy’ solution for parents of 17 to 25 year olds.

New research from The Co-operative Insurance**** shows that the average British motorist rates their own driving as 20% better than that of other road users. When asked to score their driving out of 10 the average person awards themselves a score of seven but gives other road users a score of five.

It also shows that only 16% of motorists rate their driving as a five or below, whilst more than half (53%) give themselves an eight, nine or 10 out of 10. However, nearly half (49%) rated the driving of other motorists as five or below, whilst just one in 10 (10%) gave other drivers a score of eight, nine or 10.*****

Amy Kilmartin said: “Most people tend to believe that poor driving is not something they’re guilty of but is something other drivers do. Our Young Driver app means you can put that theory to the test as it scores your driving performance based on how well you drive.

"Getting an objective assessment of your driving style is the first step towards improving - and unlocking the door to insurance savings if you drive safely.”

The app has been designed by telematics provider, Wunelli.

Additional Information: 

* The Co-operative’s Young Driver insurance scheme is aimed at 17 to 25 year old drivers and uses telematics or ‘black box’ technology to measure driving performance. Insurance premiums are then calculated based on how a person drives.

** How The Co-operative’s Young Driver app works:

  • Download the free Young Driver app from iTunes (iPhone) or Google Play (Android)
  • When you start your journey press the ‘Start’ button on the opening screen. Put your phone in the glove compartment/ on the passenger seat – the app will continue to run until you press Stop. REMEMBER: Do not be tempted to look at your phone whilst driving
  • When you finish your journey press ‘Stop’
  • Once finished, the app will give your driving performance an overall score between 1 (poor) and 5 (good). It also gives you a score for four different categories including speed, cornering, braking and acceleration and time of day you drive. These are each shown on different screens

***According to the AA Premium Index, January 2013: The average ‘shoparound’ premium for 17 to 22 year olds is £1,651.28. This is based on the average of the five cheapest insurance premiums for that age group.

**** Survey of 2000 motorists carried out by One Poll in January 2013.
***** How motorists rate their own driving vs. that of other drivers 

Average score 5 and below (% of respondents) 6 and above (% of respondents 8,9,10 (% of respondents)
How do you rate your driving? 7 16% 84% 53%
How do you rate the driving of other drivers? 5 49% 51% 10%
The Young Driver app can be downloaded here: