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Aviva Drive ReviewsAviva Drive Smartphone App First Review

Aviva Drive Smartphone App First Review

Aviva RateMyDrive Smartphone App – I read the headlines below as  you will do in a minute and sensed that I had been set a challenge.

If I were to set up a site that reviews black box insurance, I had to have first hand experience, in order to know what I was talking about and know for myself whether black box tracking was for me. First port of call was the Aviva Smartphone app.

Aviva is using smartphone technology to create individual driver profiles, which will be used to calculate tailored pay-how-you-drive premiums.

The driver behavioural app, will monitor motorists taking part in the test for 200 miles, including acceleration, braking and cornering. The data is then turned into an individual ‘score’ which helps determine the motorist’s premium – with safer drivers earning up to 20% off their Aviva premium. Never being one to shirk a challenge I decided to download the app and try it. Why not, I have nothing to fear, have I?

I have forty years driving experience seventeen of them professionally, so I think I know what it takes to drive efficiently, safely and with due care. I am however, the same as most drivers and no doubt have picked up many bad habits over the years. Would they now catch up with me while I am being tracked? Only time and 200 miles will tell?

Now, I do not know whether or not I want black box tracking to be enforced but with the research that I have done it looks like the only logical way to end the carnage on roads all over the world. When you look at the statistics it is mind-boggling that there is such catastrophe and waste of human life on a daily basis all over the world. There has to be something done about it.

Governments across the world are looking closely at the UK who is one of the first countries in the world to roll out black box tracking as a means of reducing the rate of death and serious injury among young drivers in. I am sure that when all the analysis is done all Governments will come to the same conclusion, that black box insurance tracking has to be made compulsory.

With that said, I downloaded the app. It was easy to download and install, simple to understand and easy to use. I set about proving to myself that I am indeed a good driver and should be paying a lot less for insurance than I am at present.

Read my review of the AVIVA smartphone app below, but first, have a look at the advert that I read and see for yourself if it piques your curiosity and makes you want to rise to the challenge by downloading the app and proving how good a driver YOU are.

Aviva Drive Smartphone App First Review

Aviva Drive –  Are looking for new customers to test drive their new smartphone black box app and to tell them what you think of the experience.

By using their app, you could pay up to 20% less* for your car insurance by generating your own individual rate.Aviva RateMyDrive Smartphone App First Review


Aviva RateMyDrive   version 0.6.15 – Smartphone App First Review

  1. The Aviva Drive app will give them a profile of your driving style – using all the data from your braking, accelerating and cornering – built up over 200 miles of driving.
  2. The app is free to download and uses innovative smart-phone technology, there‘s no need to install a black box in your car.
  3. You‘ll collect different progress badges along the way, and at 200 miles, the app will give you your individual driving score of 0–10 (10 being the safest).
  4. AVIVA use this to give you a personalised online quote based on your driving style, which means you could pay up to 20% less.
  5. To be included in the test drive you must not already have an existing car policy with them

Do you…

  • Drive safely?
  • Own an Android smart–phone (version 2.2 and above)?
  • Pay over £200 for your car insurance?

 Test drive the new AVIVA smartphone app FOR FREE



“Are you up for it then? Do you want to test drive the new AVIVA smartphone app FOR FREE?”

By my reckoning, black box tracking will become compulsory at some point, that being the case why not try the app and see for yourself what your individual score is. Give yourself an advanced warning so to speak, get your individual score early and if needed work on improving your driving style to ensure that when black box insurance does become compulsory you have a high individual score and as a result a low insurance premium.

If you are a good driver you will prove to yourself and the insurance company that you are worthy of a reduced rate of premium, if your driving style leaves you with a low score, you will at least know that there is room for you to improve before it is made compulsory.

Aviva Drive Smartphone App First Review

My Test drive of the new version 0.6.15

Here is the personal recount of my experience with the black box tracker.

My daily driving usually consists of the school run which is a thirty mile round trip twice a day, with the occasional journey into the local town a couple of miles away or the occasional trip to the nearest large seaside town which is seven miles away.

The school run is a nice scenic journey through the foot of Lincolnshire Wolds, it is pleasant but also demanding as it encompasses single track country lanes, minor B roads, A roads, dual carriageways, major A roads, and busy market town streets. Just the kind of roads that are rated by insurance companies as being among the most dangerous type of road.

It is pleasant but demanding and you have to be careful, which I am as I drive the most precious of cargo my son.

With this in mind, I prepared myself for the challenge to come. How would I fare? Am I as good as I like to think I am, or am I in for a surprise and I am really an unconsciously poor driver? Only time my Galaxy Note and a 200 mile challenge will tell.

My 200 mile challengeAviva Drive Smartphone App First Review

Day One: Monday 22/10/12

I set off through country lanes very conscious of being tracked and taking care when accelerating and braking, not that don’t take care anyway, but I was definitely approaching corners slower than usual. I begun to get more used to being tracked and more confident in my abilities.

I know the journey like the back of my hand and therefore know the speed to take each bend, each corner and the braking points for each and every junction and give way sign along the way. Therefore, when I do have to stop I can generally bring the vehicle to a rolling halt or with a slight touch to the brake.

I continued with the journey moving onto the “A” roads and dual carriageway without incident and keeping within the speed limit or within a mile or two an hour. I reached the town where the school is; a busy market town during the rush hour, I kept within the speed limit and drove appropriately, I got to the school, parked, and dropped my son off. I travelled back the same way and took the same due care arriving home safe and sound as usual, no drama no problem.

Day Two: Tuesday 23/10/12

Exact same journey as yesterday the only difference being that there was fog most of the journey and as a result, I was probably even more careful than normal.

Day Three: Wednesday 24/10/12

Same journey again as before, after dropping son off I took a trip to the local seaside resort for some shopping. I am getting used to the fact that I have to be more aware of the road conditions and my personal driving style, however I have noticed that the journey has been more relaxed, less stressful.

Day Four: Thursday 25/10/12

This will be the last journey. I took the same route as normal driving with all the due care and attention that I could muster. The journey was uneventful and I was consciously aware of having the tracker in the car, therefore there was no irrational driving as there never is, I am driving the most precious cargo in my world my son. I like to think that I would never compromise his safety. I completed the journey in the normal time and on arriving home stopped the car applied the hand brake and pressed the tracking device to stop recording. I was keen to find the rating that I had been given, with 40 years driving experience 20 of them professionally, I was confident of a good score.

I was rather disappointed when the score never came up and instead I received a message that there was no signal, the data would be saved and it would confirm the details of my journey later. After a couple of hours checking the phone I gave up and had to force close the application. I eventually got it to start again and to my horror it actually scored me 2.9 out of a potential score of 10 – two point nine, I ask you! What an insult.

That is not even average, that is verging on abysmal. Now I know the standard of my driving, I am a good driver with 20 years professional driving over a 40 year driving career to date, I have been driving on roads that I drive every day, I am familiar with every, corner, bend, bump, pothole, I know the appropriate speed for every section of the roads I travel and adhere to these speeds, I know every braking point for every bend and junction and DID brake when appropriate and in most cases when called upon to stop I did so either rolling to a gentle stop or with a simple dab of the brakes.

Now are you going to tell me that these are the actions of a homicidal maniac who is churning up the UK roads like some boy racer.

Yet I am given  score of 2.9 incredible, I can only assume that because of the incident with the force closure of the app that it malfunctioned in some way, that can be the only plausible explanation. If is otherwise heaven help us all, what kind of criteria are they setting for your average driver and what would they class as a ten point driver?

Aviva Drive Smartphone App First Review Now as you car see on the bottom of the image there are three symbols, there is very little information other than that. If you press continue it just takes you on to a quote page. There is no information on how this score has been calculated or what to do if you disagree with the score.

Aviva Drive Smartphone App First Review

The symbols are:

Regular driver for which I received a score of 0. Now I use my car every day twice on school runs and regularly to pop into the nearest town. It so happens that on the week that I did the test I had been busy working to this site so perhaps never used the car quite as much as normal. Does that mean that I am penalised?

Fuel efficient I actually received a score of 2 for this. I have a gauge in my car whereby I can monitor the fuel efficiency and I thought that I was driving efficiently on every trip but I dare say that is a matter of opinion as I never constantly monitored the gauge due to concentrating on my driving.

Corner master now here I do have a bone of contention. Our family car for the school run is a Citroen Picasso, (the wife has the sports car) now anyone who know them knows that the suspension does tend to allow them to pitch and roll and to wallow a bit. Having driven this type of car for years  I am well aware of the problem and drive accordingly and as such made sure that I approached all corners at an appropriate speed in order to minimise this roll. I was therefore confident in my cornering and could only have bettered it by picking the car up and carrying it round the corners. To have received a 0 score for this was indeed annoying, I am being penalised for the type of car I drive or for the fact that I live in the country and drive on roads that are winding and undulating.

I am aware that insurance companies calculate into their assessments already the fact that they view country roads as the most dangerous and price their policies accordingly. Are they including this algorithm already? If so that is surely unfair as it prejudges people before they are assessed.

As I said I am most unhappy about their assessment and will be contacting Aviva for an explanation. I hope that those of you who read this review and have the means to download the Aviva app do so, and try it for yourself. See what score you get, and feel free to review it on the comments section. Together we can form a consensus of opinion on whether or not these tracking devices are viable.

 

Aviva Drive Smartphone App First Review

Aviva Drive Smartphone App First Review

Update:


I contacted Aviva and asked about the result, I was subsequently  contacted by a man called Steve who assured me that there had been a problem with the version that I had used and there were others who had, had the same problem. I asked if there was someone could speak to from the department who monitor the telematics from the app and he said that he would pass the request on and assured me he would send me a link for the new version of the app the next day, but as yet I have received nothing and that was five days ago.

Still the fact that the app crashed and evaluated my driving incorrectly leaving me with a score of 2.9 out of a possible 10 means that had I not been evaluating the app and just took the result at face value and then continued on with the quote via the link on the app, I would then I presume be offering myself for an insurance quote with a terrible driver rating.

I wonder what effect that this result would have had on my quote?

I hope on reviewing the results of their initial tests with this app, Aviva have had a look at any quotes that have been issued to people who have requested a quote via the app and checked to see if all the telematics information is correct before issuing any quote. I would like to think that they would have, and that there is not some poor soul running around paying extortionate insurance premiums because of a faulty black box reading.

I await further information from Aviva and will keep you informed.

I have received the link for the latest version, downloaded it, and will review it right after I finish reviewing, Intelligent Marmalade and Confused dot com apps.

Reply received from Aviva re: Aviva Drive Smartphone App First Review

Hi Iain,

Thanks very much for your email about the RateMyDrive test app. We appreciate you getting in touch with your feedback, it was very interesting to hear your experiences first hand.

As you know our app monitors your accelerating, braking and cornering over 200 miles of your driving. We’ve investigated your score to understand why you got a 2.9. Your results show that you scored very well on braking, average on acceleration and not so good on cornering, which resulted in your overall score of 2.9.

The version of the app you used was a test app, which we launched to get feedback on usability and customer appeal. All the feedback we’ve received has been invaluable and has helped improve our new app called Aviva Drive, which has just launched on Google Play.

I hope you’ll download our new version of the app, give it a try and let us know your thoug

Many thanks

Natasha Felmingham

 

Aviva Drive Smartphone App First Review

Now as I have previously said our family car for the school run is a Citroen Picasso,now anyone who know them knows that the suspension does tend to allow them to pitch and roll and to wallow a bit. Having driven this type of car for years  I am well aware of the problem and drive accordingly and as such made sure that I approached all corners at an appropriate speed in order to minimise this roll. I was therefore confident in my cornering and could only have bettered it by picking the car up and carrying it round the corners.

Therefore I know that I cornered well, however the fact is that I did very well on braking, average on acceleration and not so good on cornering, which resulted a score of 2.9.

That means although 2/3rds of the assessment was better than average or average I receive a well below average score of 2.9. Five would be average score one would think, so it has to be that 2.9 is well below average. What did I do going round corners that led me to getting such a low score? If I accelerated too hard and had to brake harshly it would have been recorded but my acceleration was average and my braking very good so that begs the question what criteria are they using to judge when you go round corners that could give such a poor rating?

Is it because I live in the country that I am being penalised? I know that Insurance companies rate rural roads as being more dangerous and calculate that into their premiums. Are they going to penalise you just because you have to travel up and down country roads?

As I have already said, My journey consists of single track roads with frequent 180% bends many 90% bends, winding and undulating “A” roads and long sweeping continuous bends on the wolds roads. I can only assume it is because of this. If it is the case heaven help all us rural drivers. To be penalised to such an extent though is an outrage just because I stay in the country.

I know that I can drive well, I have 40 years experience, I have proof on the other apps that I have reviewed that I am in the top 25% of drivers. Therefore I think the problem lies with Aviva and I hope that they resolve it in their latest version, which I am presently reviewing.

I will be completing the review soon look out for it.

 

Aviva Drive Smartphone App First Review

Review of the latest version of Aviva – RateMyDrive Smartphone App version 1.0.1

I have just completed a test of the latest version of Aviva – RateMyDrive Smartphone App version 1.0.1and it has proven to be an eye opener.

As far as I can make out a appear to a terrible driver who does not even qualify for a discount. The first version, version 0.6.15 rated me as 2.9 out of a score of 10 this version rated me even worse 2.5 out of 10 and informed me that I did not qualify for a discount but would be able to receive a standard quote. You really think so, do you Aviva. You think if you tell me that I am useless I would ever apply for a quote with you.

Now I have no idea what algorithm they use to calculate their scores but I would love to see the telematics for the journeys and have someone go through each journey and justify the score that was given, but that will never happen, just as it will never happen for you if you have a dispute about your score. There is no facility on the app for score inquiries just a link to a quotes page.

Aviva Drive Smartphone App First Review

Now if you have a look at the journeys above you will see that the average time taken to complete the journey is roughly 30 minutes for an approximately 15 mile journey, now I am no rocket scientist but even I can calculate that this equates to an approximate average speed of 30 miles per hour which mean that I am hardly tearing the road up so to speak. Yet when you look at the scores that have badges which indicate fuel efficient  trips you will see that the journeys were completed in quicker than average times. Does this mean that the faster I go the better I am rated? Sorry Aviva I am transporting my son to school and if the average speed is 30 miles an hour that is how long the journey takes, I will not compromise on his safety. If I did drive faster that would lead to me taking all those bad bends even faster and that would mean my cornering score would be affected.

Do you know what? I am actually fed up with this review now. I DO NOT HAVE TO JUSTIFY my driving technique, I know how good a driver I am and thankfully have proven it in a professional capacity

This just highlights the need for a totally independent scoring system that has government backing and Department of Transport approval. It can not be left solely to insurance companies to rate every driver. There has to be a credible alternative, a system that you can get that will train you in the type of driving that you will be expected to do when you are being monitored. A system that on completion of training will evaluate you and  give you a score that is a TRUE reflection of your driving ability that you can then use for insurance company quotes.

As for this app, look at the score below. Now I am not blowing my own trumpet when I say that I know that I am a good driver. I am it is as simple as that, the fact that I was trained by very good dedicated professional trainers, have 20 years professional driving behind me and have good roadcraft built up over 40 years driving. Combine this with the fact that I have a very good degree of self awareness that comes from 15 years counselling, so I was fully aware that I was being tracked throughout all of the journeys that I undertook. I know that I drove carefully and safely on each journey, and yet I received a derisory score of 2.5 out of ten. Now either the algorithm that calculates driver scores need serious reviewing or I am just a rubbish driver. Even that would not make sense because in other tests that I have done I have had scores of 75 and above.

Aviva Drive Smartphone App First Review

I will leave you to draw your own conclusions, suffice to say, I will not be using Aviva for my insurance anytime in the near future.

How to Get a High Black Box Score

It is relatively easy to complete the evaluation and qualify for a discount of up to 20% on your car insurance by getting a high black box score if you drive with care and avoid harsh braking and acceleration you should have no problem. If you are unsure of how to drive to the standard required watch my short video on how to get a high black box score.

 

 

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