DriveScore is a free app that rewards safer driving by giving consumers a score based on actual driving behaviour, not assumptions. Using 14 driving variables such as speed, braking, and phone distraction, it gives drivers personalised feedback while enabling insurers to access highly predictive risk data in real time. As part of the ClearScore Group, it offers the opportunity to insurers to pair telematics data with credit risk and open banking data.

For underwriters and pricing experts, DriveScore delivers a new dimension of risk splitting that traditional factors cannot match. By identifying behavioural differences even within segments, it enables sharper pricing segmentation, improved loss ratio performance, and more competitive product positioning. This makes it possible to target profitable risks more precisely and confidently, turning driving behaviour into a powerful advantage in risk selection and pricing.