How are my risk scores calculated?

It's a combination of how you drive and where you drive.

How you drive

Our data scientists are the brains behind the risk scores you see in the Portal. They track harsh events like speeding, hard braking, and sharp cornering. Using their knowledge and lots of data, they figure out how likely a vehicle is to have a claim for each mile it drives. Then, they turn this predicted claims estimate into a vehicle a safety score from 0 to 100.

The higher the score, the safer the vehicle.

Here is a description of each of the harsh events that is considered in the overall vehicle risk score:


Speeding occurs when a vehicle exceeds the posted legal speed limit impacting safety and insurance costs in the event of an incident. Monitoring and intervening can lead to safer driving and potential savings.


A braking event is a deceleration with extreme force. Harsh braking events are a good way to identify high risk driving (for example; tailgating) and intervene to reduce the likelihood of a collision occurring. Mitigating harsh braking events contributes to safer driving.


Cornering events happen when a vehicle navigates bends at unsafe speeds, potentially leading to loss of control. Addressing harsh cornering can mitigate risk and promote better control of the vehicle.

There are rare occasions when a driver might need to brake suddenly (say, if a pedestrian steps out into the road unexpectedly). We factor this into our scoring system.

Where you drive

It’s a sad truth that certain locations are simply higher risk to drive in. For example, densely populated areas can increase your chances of an incident while driving. More people, more vehicles and more distractions usually mean more incidents.

So if your drivers usually work in these types of areas, the higher risk may be reflected in your driver score.

Insurance that’s tailored to your fleet

We use all of this data and information to calculate a risk profile for your entire fleet, and each individual vehicle.

Complex data. Simple insurance. A fair price.

Need help? Contact We're happy to help. 🙂

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