Quotemehappy Connect will allow young drivers to earn cheaper premiums via safer driving while providing personalised advice to less safe motorists

Insurer giant Aviva has today (19 December 2022) launched a telematics insurance product designed to provide motor cover for younger drivers.

Quotemehappy Connect is a new app-based insurance product that rewards safe driving behaviour with e-vouchers and premium discounts.

The insurer said the new product was aimed at drivers aged between 17-29 and provides a weekly driver rating alongside a breakdown of the policyholder’s driving behaviour.

Driving behaviour is broken down into different coloured ratings – red, amber, green or gold – with green or gold rated customers able to exchange reward points for vouchers.

Those policyholders rated as either red or amber will be provided with personalised advice on how to improve driving behaviour.

Renewal prices will also be impacted by driving behaviour, with gold rated policyholders able to up to 30% discounts on their premiums.

Driving behaviour is recorded by an app-connected telematics device mounted on the insured vehicle’s windscreen.

Technological progress

Matthew Washer, head of connected motor at Aviva, said: “Traditional black box telematics insurance policies have become an established way for young drivers to monitor their driving and reduce premiums.

“However, technology has moved on and the new app allows drivers to monitor their driving without the need for a black box to be professionally fitted to their car.”

Washer added that the cost of living crisis would lead to a rise in the amount of customers seeking to save money on their motor policies.

Quotemehappy Connect was developed in partnership with telematics specialist IMS.

The firm’s chief executive, Paul Stacy, added: “For this new partnership, we are making a decisive break from black boxes – generally used by young drivers – to a smartphone app connected to the IMS Wedge Bluetooth device.

“We’re excited to be working with Aviva at a time when the advantages of connected insurance for all drivers are becoming ever more apparent.”