This points system depends on various factors, which vary depending on the insurance company individually weighted become.
Below we have listed some of these factors and their importance:
speed
Excessive speed is a frequent cause of accidents. If you stick to the speed limits, you can collect points for your score.
acceleration behavior
If you accelerate frequently and quickly, this will be interpreted as risky driving behavior and a point will be deducted. The technology usually differentiates between overtaking on the freeway and a risky driving style.
handling in curves
High speeds in curves or unsteady steering movements not only increase the risk of accidents, but also have a negative impact on the point system.
Using the smartphone while driving
If you use your smartphone while driving, the risk of an accident increases.
driving time and driving location
Driving time and driving location also play an important role in determining the points: Do you drive a lot at night? During rush hour? Do you often drive on the freeway?
braking behavior
Hard and abrupt braking behavior can also result in a point deduction if this occurs frequently.
Weighting of the factors in a telematics tariff:
The factors mentioned are weighted differently depending on the insurance company. Below we have presented you with a ranking of the weighting, the criteria as they are usually applied by the individual insurance companies:
- Acceleration and braking behavior (50%)
- Handling in curves (20%)
- Travel time and location (20%)
- Speed (10%)
The telematics tariff of a car insurance company cannot cover everything
Through technical defects there is the possibility that the telematics box does not always record your driving behavior and forwards it via a mobile network.
If your data volume is used up or your smartphone battery is empty, your telematics app cannot record your driving style either.
This shouldn’t happen too often though, as your insurance company also has the option to cancel your policy. You can read the exact situation in the insurance conditions, as these vary depending on the insurance company.
