The Crash Probability Score explained
The Crash probability Score indicates your predicted collision probability based on your driving behaviour, calculated using real-life data. Its purpose is to identify your accident risk level to help you act and reduce this Score to enhance your safety while on the road.
Your score is calculated using Artificial Intelligence (AI), it collects data from the vehicle, and compare your driving patterns with a database of over 7 billion other driving patterns.
This comparison is set to identify if your driving pattern has been associated with a crash, assigning you a certain risk score.
Scores are classified in the following categories:
• Highest Crash Risk (13-15)
• High Crash Risk (10-13)
• Medium Crash Risk (7-10)
• Lower Crash Risk (4-7)
• Lowest Crash Risk (0-4)
Three areas make up the Crash Probability Score.
1) Focus: this measures attention to driving, and the resulting micro movements of the vehicle
2) Anticipation: measures planning and paying attention to surroundings. Good anticipating results in smooth driving.
3) Speed Control: measures how the vehicle’s speed is changing, and how speed is handled.
Your safety is our top priority, so we’re investing our resources into accident prevention. The Crash Probability Score is intended to help you be aware of risk factors and take action to keep yourself and others safe.
A weekly reminder on your Crash probability Score can help you take action and improve your driving attitude to increase your safety on the road. By working to improve your Crash Probability Score, the probability of accidents will decrease and help you:
Keep you and your passengers safe
Remove the stress and anxiety associated with accidents
Avoid paying insurance excess and dealing with accident claims
Minimise time off the road.
Highest Crash Risk (13-15)
This indicates that your driving patterns are similar to the driving patterns of drivers that are much more likely to be involved in a crash
High Crash Risk: (10-13)
This indicates that your driving patterns are similar to the driving patterns of drivers that are more likely to be involved in a crash
Medium Crash Risk (7-10)
This indicates that your driving patterns are similar to the driving patterns of drivers that are no more or less likely to be involved in a crash
Lower Crash Risk (4-7)
This indicates that your driving patterns are similar to the driving patterns of drivers that are less likely to be involved in a crash
Lowest Crash Risk (0-4)
This indicates that your driving patterns are similar to the driving patterns of drivers that are much less likely to be involved in a crash
Recommendations for improving focus: Do not use phone whilst driving, avoid constant use of the buttons / controls on the centre column (music, air con etc), do not drive tired.
Recommendations for improving anticipation: Look further ahead to anticipate changes, consider what other driver’s may do, smooth lane changes, and maintaining a wide distance between vehicles
Recommendations for improving Speed Control: maintain consistent speed with less ”sharp” acceleration and deceleration. Avoid quickly reaching the speed limit, then quickly reducing to the speed limit as zones change
Your Crash Probability Score updates weekly, every Tuesday. It shows your Score for the previous Monday to Sunday.
A clear driving history doesn’t automatically mean your crash risk is low. Research shows that experienced drivers can even become complacent and forget how dangerous driving can be.
Remember that this Score isn’t a reflection of your driving skills but an analysis of your real-time attitude on the road, and it is based on your performance over the most recent Monday to Sunday period.
Here are the major contributors to high-risk driving:
Poor focus – using your phone, making a quick call, and grabbing a snack while driving all affect your Crash Probability Score.
Aggressive driving style – harsh braking or acceleration, not leaving enough following distance or chasing traffic lights could also result in a Crash Probability Score.
Speed control – how you’re handling speed also contributes to your risk Score. For example, if your average speed varies significantly from your average maximum speed, it might indicate that you frequently try to reach a high speed without planning ahead.
Here are some tips on how to improve your driving Score and always keep yourself and your passengers safe:
Avoid distractions while driving, such as your mobile, loud music or conversation.
Don't drive while stressed or tired. Take a break or even go home if needed.
Be aware of your surroundings both while driving and parking.
Plan ahead for traffic light changes, pedestrian crossings, lane changes, and route changes.
Leave a safe following distance.
Look well ahead to anticipate whether to change or maintain speed.
Yes, it can. If you would like to apply for payment holiday relief and your Crash Probability Score (CPS) at the time of application is too high (9 or above) you will need to wait for the score to be lowered into the acceptable range (under 9) to be eligible (as well as satisfying the other Payment Holiday criteria). The score is updated each week on a Tuesday (representing activity from the prior week Mon-Sun), so you may need to wait one week (or longer) till your CPS is within the acceptable range (under 9).
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