A smartphone app that can prove you're a good driver and cut your car insurance costs? Yes really: MotorMate by Confused.com does just that.
Think you're a good driver? You can now prove it with the MotorMate by Confused.com smartphone app.
What's more, the app - initially launched last August - has been revamped to reward good driving with discounts on your car insurance.
How does it work?
The app does the same job as in-car telematics technology, where a black-box device is fitted to a car to monitor driving behaviour such as speed, braking, and cornering.
But with the MotorMate by Confused.com smartphone app, there's no need for a black box to be fitted to your car.
Instead, the app monitors driving behaviour using GPS data.
The app knows what road you're driving on so it monitors how motorists react to real-world driving conditions, taking into account anticipation, pace, acceleration, braking and cornering.
What are the benefits of using the app?
The app is of use to all motorists, but particularly young drivers – those under the age of 25.
Why? Well, young drivers face the highest car insurance premiums of any age group.
This is because statistics show they are more likely to be involved in a road accident than other drivers – and therefore more likely to claim on their insurance.
As a result of this increased risk to insurers of young drivers making a claim, this age group's car insurance costs are pushed higher.
But telematics insurance policies, and now the MotorMate app, allow motorists to be judged by insurers on their own driving skills, instead of being lumped in with their high-risk peer group.
Your MotorMate by Confused.com score
All individual driving trips made using the app are scored out of five based on your anticipation of the road, braking, acceleration, and driving at a sensible speed.
Feedback on a driver's behaviour will usually be given within a couple of minutes of the journey ending.
An overall Confused.com Score is given after the user has driven 250 miles in total.
By driving 250 miles, the score given should provide a fair and accurate reflection of a person's driving ability across a number of road types, situations, times and environments.
Your MotorMate by Confused.com score can range from 0 to 100, where 100 is the best score possible.
Save money on your car insurance!
What's more, download and use the MotorMate by Confused.com smartphone app and you will be eligible for a car insurance discount.
Participating insurers include Admiral, Elephant, Diamond, Quotemehappy.com, and General Accident.
All are prepared to give you money off your car insurance cost if you're an app user.
Discounts can be obtained simply by going through the normal Confused.com quote process via the app itself, or online.
How much discount will I get?
Discounts will depend on the individual's Confused.com Score and how much their car insurance premium costs.
- If your car insurance premium is up to £500, you could save up to 10 per cent with MotorMate by Confused.com.
- If your car insurance costs between £500 and £1,000, you could be looking at a discount of up to 20 per cent.
- If your car insurance costs more than £1,000 you could get a discount of up to 25 per cent.
Think you're a good driver? Prove it with MotorMate by Confused.com! Download MotorMate