Verna

The premium reflects your driving score every month, and any score above 76 (the average score) will lower your monthly insurance premium 🙏

The driving score is based on these five important factors:

Smoothness: The app detects how smoothly you navigate the roads. Sudden acceleration, hard braking, rapid lane changes, and sharp turns increase risk and lower the score. 🚗

Speed: The app detects whether you are driving at a comparable speed to others on the road. Driving too slow or too fast compared to others can create significant danger in traffic. A steady speed poses the least risk and is most likely to improve your score. We don’t track whether you're driving within the legal speed limit—that’s the police's job 🙏

Focus: The app detects whether you're using or talking on the phone while driving. Mobile phone use is involved in over 60% of all accidents and has no place around the steering wheel—that’s something we all know 🙌

Time of Day: The time of day you drive matters. Driving at night is about 10 times riskier than driving during the day. We all live by different clocks, so this factor doesn’t weigh too heavily on the score 🕒

Rest: We measure the length of each trip. We can’t know how tired you are at the wheel, but we do know that driving for hours without stopping is dangerous. Fatigue affects your driving and driving score 💤

- Smoothness: The app detects how smoothly you navigate the roads. Sudden acceleration, hard braking, rapid lane changes, and sharp turns increase risk and lower the score. 🚗
- Speed: The app detects whether you are driving at a comparable speed to others on the road. Driving too slow or too fast compared to others can create significant danger in traffic. A steady speed poses the least risk and is most likely to improve your score. We don’t track whether you're driving within the legal speed limit—that’s the police's job 🙏
- Focus: The app detects whether you're using or talking on the phone while driving. Mobile phone use is involved in over 60% of all accidents and has no place around the steering wheel—that’s something we all know 🙌
- Time of Day: The time of day you drive matters. Driving at night is about 10 times riskier than driving during the day. We all live by different clocks, so this factor doesn’t weigh too heavily on the score 🕒
- Rest: We measure the length of each trip. We can’t know how tired you are at the wheel, but we do know that driving for hours without stopping is dangerous. Fatigue affects your driving and driving score 💤