Skip navigation

The app that rates your driving skills

A smartphoneA smartphone app that can prove you're a good driver and cut your car insurance costs? Yes really: MotorMate by does just that.

Think you're a good driver? You can now prove it with the MotorMate by 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 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 score

Score image on MotorMate iPhone appAll 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 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 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 smartphone app and you will be eligible for a car insurance discount.

Participating insurers include Admiral, Elephant, Diamond,, 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 quote process via the app itself, or online.

How much discount will I get?

Discounts will depend on the individual's 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
  • 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.

Download now!

Think you're a good driver? Prove it with MotorMate by! Download MotorMate

Like this? Share it

Naphtalia Loderick

Naphtalia Loderick

Naphtalia Loderick covers all things consumer for She started out on a weekly newspaper, via a national news agency and a stint in the fun but ‘not as glamorous as it appears on screen’ world of TV at the BBC researching consumer films for The One Show.

View more from Naphtalia

Most popular articles

Confused apps feedback

Our handy free apps can assess your driving style, or help you find a parking space