Your Driver Score and Alerts

How can I review my Driver Score?

You can review your Driver Score using the RAC Driver App. It is available for Apple and Google Android smartphones. We will also send you a weekly email detailing your Driver Score for that week, any upcoming reminders and a summary of your cars health.

To download the Driver App visit our Driver App page.

How do you calculate my Driver Score?

Your Driver Score is calculated on several key factors, the most important of which are the following:

Braking 

If you brake harshly, it can indicate several things about the way you were driving. For example, harsh braking could indicate that you may have been travelling too closely to the car in front to react safely to changing traffic conditions.

See our article on stopping distances  for more information.

Acceleration 

Quick acceleration can also indicate how much of a risk you represent on the road. By accelerating gently and using the gears efficiently, you reduce the risk of losing control of your car.

See our article on driving a car with manual gears  for more information.

Speeding 

Travelling at unsafe speeds is another key factor in calculating your Driver Score. Whether you’re an experienced motorist or not, you’ll know what a speed limit is. Make sure you travel no faster than the speed limit for the road you are on, and according to the conditions of the road at the time.

Speeding will have a negative effect on your Driver Score and if you continue to do it, we have the right to cancel your policy. After all, your black box policy is about driving safely and sensibly.

If you are caught speeding by a camera or a traffic enforcement officer, the penalties can be severe. See our article on speeding fines for good reasons not to be tempted to speed.

What if I get a low Driver Score? 

RAC Black Box Car Insurance is about encouraging you to drive safely, so if your Driver Score falls below an acceptable level, we’ll let you know and you’ll have the chance to improve your score. 

What are Red Alerts and Black Events?

There are two types of notification, as detailed below.

Red Alerts 

If your Driver Score falls below our acceptable limit we’ll let you know by sending you an email. This would mean you’d need to make changes to the way you drive in order to improve your score. You can log in to the Driver app or portal for advice and tips on how to do this. However if you don’t manage to improve and your Driver Score continues below an acceptable level, you’ll receive another Red Alert from us.

If you get three Red Alerts it means we consider you to be an unsafe driver, your policy may be cancelled by us sending you 7 days notice by letter or email. During this notice period you will need to find an alternative insurance provider. If we have to cancel your policy this could affect your ability to get insurance in the future.
 

Driver Score	Driver Category
Below 20	Red Driver
Between 20 and 40	Risk of Red Driver
Between 41 and 90	Amber Driver
Over 90	Green Driver