What is DriveXpert?
DriveXpert is our telematics insurance aimed at young drivers. You'll get an upfront discount and safe drivers could save money on their insurance renewal.
It all works using the DriveXpert app on your smartphone. So, there's no need to plug a 'black box' into your car. The app monitors a range of environmental and behavioural factors to work out how safe a driver you are. It then assigns you a driving score.
So, whether you're cruising along a country lane or crawling through motorway traffic, the safer you drive, the more you could save.
How do I get DriveXpert?
To get DriveXpert simply begin a quote for Privilege car insurance. If you're 26 or under with a full UK driving licence, you'll be asked if you want a DriveXpert telematics policy. It's that simple.
If you're a little older but have a named driver 26 or under on your policy, then you could get in on the action too, with our DriveXpert plug-in box. If this option is available to you, you'll be prompted when getting a car insurance quote.
The DriveXpert plug-in is only available on cars made after 1996.
Why choose DriveXpert?
If you choose DriveXpert, you can:
- Get an upfront discount in your first year, provided you've passed your test
- Get a discount at renewal for good driving scores
- Just use your phone, no other devices needed
- See your scores on the app dashboard
- Be sure the cost of your insurance won’t change mid-term based on your driving scores
How does it work?
- Buy a DriveXpert policy
- Download the app
- Record your journeys
- Save at renewal
Get a quote, and if you’re eligible, add DriveXpert when promoted.
Once you've got your welcome email, you can download the DriveXpert app and register.
The DriveXpert app works in the background to record details about your journeys, so make sure your mobile is with you when you're driving.
You may be eligible for a discount at renewal. If you drive safely and get a high driving score, you will be rewarded with a discount when you renew your insurance.
What will the app measure?
You can see your driving score at any time on the DriveXpert app. Your score is determined by environmental and behavioural factors, such as:
Behavioural - how you drive
Speed
Your speed relative to other road users. In general, if you're flowing with the traffic and at a similar speed to other road users, you'll get a better score than if you're driving too fast.
Smooth driving
How you anticipate traffic flow. Avoiding extreme acceleration and hard braking will lead to smooth driving and a better score.
Environmental - when and where you drive
Time of day
The risks posed by other drivers on the road at the same time. For example, late night journeys are riskier than others.
Road risk
The complexity of the roads you use. This includes the number of junctions and lanes, and how many accidents there have been in the past.
Mobile use
Your mobile phone usage when behind the wheel. The app tracks all instances of phone calls and any physical use of the phone that take place throughout your journey. Our mobile use score takes into account the mental and physical distraction caused by being on your phone while driving.
Important information
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Downloading and registering the app
The DriveXpert app is only compatible with Android or Apple smartphones. As the main driver on the policy it's your responsibility to download the app and register within seven days of your policy start date, otherwise we reserve the right to cancel your policy. This may affect your ability to take out insurance in the future. Please make sure you're registering with the same personal details that were used to buy your DriveXpert policy. The app will start collecting and scoring data as soon as you register. Additional named drivers are not required to use the app. If you have any problems, please contact us on 0345 8786411 or email support@privilege.com.
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Recording your journeys
It's a requirement of the DriveXpert policy that you record all journeys where you're driving your vehicle, so they can be scored. This means your phone's location services must be turned on. Through the use of an integrity score, If we believe that journeys or journey data is deliberately not being recorded or being manipulated, we may consider this to be a fraudulent act, in which case we will cancel your policy and we may keep any premium you’ve paid. If we don’t detect any recording activity (driver or passenger) for 14 consecutive days and you don’t notify us, we reserve the right to cancel your policy. This may affect your ability to purchase insurance in the future. If you know you won’t be driving and recording a journey for a period of time, then you must let us know beforehand. Call us on 0345 8786411 or email support@privilege.com.
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Journeys where you're not the driver
Once registered, the DriveXpert app will record and analyse your journey data about your driving behaviour. All your journey data will be collected and retained by the app, whether you're the driver or a passenger. The app will also auto tag your journey with a mode of transportation it thinks is most likely. If you were a passenger in a car or using another mode of transportation, you can edit the tag on the journey to reflect this and exclude the journey from affecting your driving score. You have up to 72 hours after a journey to edit the tag. After this, the tag against that journey is submitted and cannot be edited.
