Smart Drive

With Smart Drive, SmartDrive customers can get discounts on their car insurance. You can access the discount calculation monthly by driving Smart Drive at least 200 km per month, at least 10 times a month.

The app measures driving behavior, and users can achieve driving levels with driving approach points that determine the premium reduction. The front levels are determined by the following way points:

- Top 5% of drivers - Front level 4
- Top 10% of drivers - Level 3
- Top 25% of drivers - Front level 2
- Top 50% of drivers - Level 1

The application analyzes the user's driving behavior on the basis of compliance with speed limits and heavy braking and acceleration. Overspeed, hard braking, and hard acceleration will result in negative points and the score will be the ratio of the negative points to the distance traveled.

The app stores the user's minus points, but does not store location information, for example, where the minus point came from. In addition, the application does not store values ​​for speeds, speed limits or acceleration values.

The speed limit data is from Digiroad, the Finnish Road Administration.