New Hyundai Driving Score Tech Could Save Money at Expense of Privacy

Christian Wardlaw | Mar 29, 2021

Hyundai is rolling out a new driver monitoring feature that could save its customers money on car insurance. Positioned as a “coaching tool,” Hyundai Usage-Based Insurance (UBI) and Driving Score monitors your driving and assigns a numerical score on a 100-point scale. The higher the score, the better your driving, and the lower your car insurance rates based on your real-world behavior.

Hyundai Usage Based Insurance and Driving Score Technology

To obtain a UBI Driving Score, you must agree to share data your car collects with the Verisk Data Exchange. Verisk uses artificial intelligence and advanced analytics to compare your driving data to a full data set built on 7.6 million vehicles and 240 billion miles of driving. The company says it is adding 200,000 new vehicles to its data set every month.

Verisk evaluates the data your car sends to it and assigns you a driving score based on five factors:

  • Total Driving Hours
  • Smooth Driving
  • Driving Consistency
  • Speed Responsibility
  • Driving Time of Day

If you infrequently drive, rarely drive at night or on weekends, and your driving style is smooth, consistent, and performed at or near the speed limit, you might be able to save money through one of the insurance companies with which Hyundai has partnered to offer discounts.

If this does not describe your driving, well, you may wish to skip this feature.

To sign up for UBI Driving Scores, you need a Hyundai with Blue Link connected services. This technology is part of Hyundai Owner Assurance, and is available on many of the company’s models, sometimes only on higher trim levels. Blue Link services are free for the first three years of ownership but require a subscription fee after that.

You’ll also need an active MyHyundai account, with your vehicle actively enrolled in Blue Link. You’ll need to specifically opt-in to share your driving data with Verisk and to receive UBI Driving Scores.

Hyundai says the tool can do more than save you money. Smooth driving can also save fuel and reduce wear-and-tear on your vehicle. Whether this potential savings is worth sharing your personal driving data is a decision only you can make.

Hyundai is the source of information for this article. It was accurate on March 29, 2021, but it may have changed since that date.

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