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Selling telematics can be complex. Get ahead of your clients' questions with these answers provided by industry experts.
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We're offering DriveWell Go free to agents, so you can experience telematics first-hand and feel confident explaining the benefits to your clients. Don't worry, this won't affect your own insurance.
All drivers will be entered into a monthly sweepstakes to win a $100 Amazon gift card!
Once you download the app, you will receive permission requests from your phone's operating system. You need to accept these requests to engage with and benefit from the app's features.For the app to function properly, the following permission requests must be set exactly as directed:
The app should automatically run in the background of your smartphone. This means the app does not need to be opened or displayed on the main screen in order for the smartphone to record trips.
If your app is not recording trips automatically, you may be experiencing one of the following situations:
If you need to change phones or reinstall the app, log in and a PIN code will be sent to your mobile number. The PIN code is a one-time password that does not expire, but can only be used once. If your mobile number has also changed, please contact CMT for support.
Yes, the app uses some phone data to process and score your trip results. The app uploads about 400-500 kilobytes of data per hour of driving.
Internet access is required to process and score any new trips. This internet connection can come from a Wi-Fi network or a cellular network. If the smartphone is not connected to the Internet when new trip data is ready to be uploaded or newly scored trips are ready to be downloaded, the upload/download will happen automatically when the Internet connection is available.
An active Internet connection is not required to record trip data or view the results of prior trps.
The app records data to measure your driving during a trip and identify risky driving events. In addition, we may receive data related to your use of the app to help us improve the app experience. The app collects:
No, the app works in the background and will collect your data any time a drive is detected. However, make sure that your device is charged and turned on during your trips.
The app uses the phone's battery to run, and has a negligible effect on the battery when you are not driving. When you're driving, the typical battery drain is only a few percent per hour. This amount varies based on the smartphone model and age.
To check the app's battery usage:
The app shows you the following information about your score:
Dashboard and score
Trips
The app collects and analyzes an overall two-week driving score assessed by combining Hard Braking, Speeding, Phone Distraction.
The app calculates your score (out of 100) using the following factors:
Currently, a rolling two-week average score is shown in the app. The rolling two-week average score is meant to report how you are driving based on recent trips and enables you to adjust your driving as you go. Your score can fluctuate depending on how you drive during the most recent two weeks. A new trip added in or an old trip being replaced during the two-week period could have a big impact on your average.
Good news! The program is currently only rewarding customers for good driving habits and is not linked to your insurance, so your rate will not change due to your score.
There are three main reasons that your score may decrease.
Number Score
Your overall score, out of 100, is presented on the Dashboard screen in the app. This is the key measurement of your driving performance, calculated with data from your trips over the past two weeks. The app compares your performance to the typical driver population for each subscore, like hard braking or speeding, and then weighs your subscores together to produce an overall score. The app uses aggregated data from millions of users and billions of recorded miles to calculate your relative level of risk per mile.
Star Rating
The star ratings are granted for each individual trip and can be viewed on the Trips screen. They provide an idea of what happened on each trip. For a given trip, you can lose stars for any risky events that occur, such as phone distraction, hard braking, or speeding.
The app records a hard braking event when you reduce your speed suddenly, such as slamming on the brakes in a lower-speed zone or drastically reducing speed on the highway. If you engage in hard braking often, even at lower speeds, it may suggest tailgating or not paying attention, which can be factors in crashes.
The app does not know the circumstances of a specific hard braking event - it only measures how hard you are braking, and for how long. Your overall score takes into account the number (rate) of hard braking events. Occasional hard braking in unavoidable circumstances does not substantially impact your score. Note that you may lose stars for an individual trip because the stars only provide a measure of what happened on that trip.
The app identifies a speeding event when the user is driving above the "safe speed." This is based on a threshold over the posted speed limit for the relevant road.
At times, the app has trouble distinguishing between the highway and the frontage road next to the highway. As a result, the app can judge your speed based on the frontage road instead of the highway. We're developing an improvement to address this issue.
The app classifies Phone Distraction as distracted driving in two ways: Phone Use and Screen Interaction. Phone Use occurs when the car is moving at least 9 mph, your screen is on and unlocked, and the app determines that the phone is being handled. Screen Interaction occurs when the car is moving at least 9 mph and there is a high probability that you’re tapping on the screen. The app cannot discern what is on the phone, but it can tell the phone is being handled or tapped, which increases the likelihood of an accident.
Even if the car is stationary when you pick your phone up, the app registers a phone use event if you begin to drive while still holding it. The distraction penalty only applies for the period of time you are using the phone while in motion. It is safer to stop using the phone before beginning to drive.
Over time, the app learns your driving behaviors and common routes, allowing it to determine whether you were a driver or a passenger for a given trip. To help the app in this process, we recommend that you review and update your trip classifications for your first ten or fifteen trips so the app learns whether you are a driver or passenger, or in another mode of transportation.
To classify your status, navigate to the Trips screen, tap on a given trip, then tap the Driver icon in the upper right corner. You will see a series of options from which to select the correct mode of transportation. Your scores should be recalculated immediately, although your Streaks and Leaderboard ranking may take a short time to update.
The app uses a number of different phone sensor inputs to identify if a drive counts as one or more trips. For example, the app should differentiate between being stopped in traffic and being stopped because the trip has ended. Note that if a single trip was recorded as two trips in error, it should not affect your score.
The app may take up to a minute or two after a trip starts to detect driving and start collecting location data. In these situations, the app calculates an inferred path back to your last known location. The app displays the inferred path to you as a gray line on the trip route.
In rare cases, you may see a "Recording" message in the app when you are not on a trip. This can occur because the phone has registered changes that are similar to the movement of a vehicle. Even though the app says "Recording," this will not generate valid trip recordings that are scored or displayed in the app. In the rare event that one of these trips does display in the app, you have the ability to change the trip label so that it is not scored.
Please consult the Cambridge Mobile Telematics privacy policy, available on our web site.
Official rules for the monthly sweepstakes can be found here.
All users who download and activate DriveWell Go, then meet the following eligibility requirements will be entered into the monthly sweepstakes: taking an average of 1 trip per day and driving a minimum of 20 miles per week
Expect to receive emails from rvannoord@cmtelematics.com with updates and reminders throughout the experience. Additionally, CMT will send participants push notifications through the DriveWell Go app.
DriveWellGo helps you get auto insurance clients by providing an opportunity to experience telematics yourself, using an app that’s similar to many insurance carrier’s programs. Based on your experience, you’ll be able to speak about telematics with confidence. Agents report that enrolling clients in telematics programs builds loyalty and referrals by saving clients money.
When you sign up to use the DriveWell Go app, sensors in your phone will be used to gather data to create a unified view of vehicle and driver behavior that’s shown in the app. As you review this data, you’ll be able to see where you are driving safely and where there’s opportunity to improve your driving behavior.
