Achieving a "Very Low Risk" or ★★★★★ trip score is the result of safe driving behaviours. A "Very Low Risk" score generally requires an absence of any negative behaviours, such as hard braking, hard cornering, hard acceleration, speeding, or phone distraction.
In addition, you must exhibit positive driving behaviours, such as smooth stops and turns – where there is a high proportion of these smooth manoeuvres out of all the manoeuvres during the trip.
For example, a trip with 3 smooth stops out of 12 stops total will reflect a higher-risk score than a similar trip with 2 smooth stops out of 3 total stops.
Smooth Events
|
Neutral Driving Behaviour
|
Harsh Events
|
Trip Rating |
Risk Level Band |
FICO® Safe Driving Trip Score |
★★★★★ |
Very Low Risk |
Individual Trips do not receive a numeric score. They do contribute to your overall FICO® Safe Driving Score. |
★★★★ |
Low Risk |
|
★★★ |
Medium Risk |
|
★★ |
High Risk |
|
★ |
Very High Risk |
A FICO® Safe Driving Score at or above 710 represent Low and Very Low Risk ratings. Drivers at these levels are 30% less likely to be involved in a future collision compared to drivers who maintain Medium, High or Very High Risk scores.