Respecting the Highway Code is no longer just about avoiding fines and ensuring safety, it can also pay off big time. Here is the little-known method that allows exemplary motorists to recover several hundred euros without changing their habits.
This is an injustice that all exemplary motorists know well. You scrupulously respect the Highway Code and speed limits, you anticipate braking and you keep your safety distance. In short, you are a model driver. And if you avoid costly fines, the car budget remains tight at the end of the month. What if your driving behavior finally became a source of profit?
The situation has changed: taking your foot off the gas and driving calmly is no longer just a question of safety. It’s a choice that can pay off big for you. A little-known opportunity allows prudent drivers to sometimes recover more than 200 euros per year on their daily expenses, without changing vehicles or restricting their travel. No, we’re not just talking about eco-driving to save on your fuel bill, but about a system that rewards you for being careful on the road.
Among the expense items for motorists, there is of course car insurance. And if everyone knows the principle of bonuses and penalties, this is something completely different: your prudence is rewarded from the first day, not just after several years of good behavior.
Several insurers now offer to take with you a connected box, linked to a mobile application, which analyzes certain driving indicators such as speed, braking or acceleration. As a result, the most prudent drivers benefit from a reduction in their contribution. “Each month, a driving score is established and can reduce your monthly premium”explains Direct Assurance, which was one of the pioneers in this area with its YouDrive offer. This driving score is established after each trip with a score ranging from 0 to 100. An average is then calculated at the end of the month, which may give rise to a refund: -5% from 60 points, and up to -40% for 100 points, with an additional bonus of -10% for “small riders” who do not do many kilometers.
Several criteria are taken into account, corresponding “exceeding thresholds beyond which driving is considered risky”. First, there are accelerations and braking that are too sudden, but also turns taken at high speed, and a pace adapted to traffic. In fact, the connected box analyzes the traffic around it, and determines if your average speed is similar to that of others.
The insurer indicates that of the 100,000 drivers who have chosen this “Pay How You Drive” insurance format, one in two “makes an average of 200 euros in savings per year”. Moreover, this system is not reserved for experienced drivers: even those who have just obtained their license can subscribe to it and benefit from the advantages.from the first month”. According to RTLwho tested this famous box, young drivers with often high premiums could even save more than 500 euros per year with a perfect score!
Of course, other companies offer similar offers (with subtleties specific to each), as is the case with Allianz for example. By transforming road safety into immediate purchasing power, connected insurance is finally shaking up the rules of the game. No need to wait years to accumulate a bonus: your driving behavior directly dictates your bill each month. If you are a naturally calm and cautious motorist, it is in your best interest to take the plunge and compare these modern offers. Taking your foot off the gas has never been so profitable.
