Drive Smart is our Motability Scheme driving app that helps you build safer driving habits and rewards you for doing so.
The app looks at how your Scheme car is being driven and gives you a weekly score. You’ll also get a traffic light rating: green, amber or red. This helps you see how you’re doing. If you drive safely, you could earn up to £160 a year in rewards. These can be spent with well-known brands like Asda, M&S, Uber Eats and more.
But it’s not just about rewards. Drive Smart helps you understand how your driving affects safety for you, your passengers and others on the road.
- What Drive Smart measures
- How your weekly score is calculated
- Red weekly scores: what they are and what they mean
- What usage means and how it can lead to a red score
- What Drive Smart does not do
- Distracted driving: what we record (and what we do not use)
- Why Drive Smart matters
What Drive Smart measures
Your Drive Smart score is based on how your Scheme car is being driven throughout the week. It looks at:
- Speed: keeping within the speed limit
- Smoothness: gentle acceleration, braking and cornering
- Usage: how often and how far the car is driven
- Location: only journeys in your Scheme car are recorded when the Drive Smart device is connected
- Phone use: when your phone is used during a trip (for example, on a call or using the screen)
Every named driver on your lease contributes to the score, so it’s based on how the car is used overall, not just by you.
How your weekly score is calculated
Drive Smart does not just look at each trip on its own. Instead, it pulls together all your journeys for the week as if they were one long journey to give you a full picture.
This approach means longer trips have more impact than shorter ones, which gives a fairer view.
For example, if you score 100 on a two-mile trip but 50 on a 30-mile trip, your overall weekly score will reflect that more of your time was spent on the lower scoring drive.
Red weekly scores: what they are and what they mean
Each week, your score will be shown as green, amber or red.
- Green: Great driving, you’re on track to earn rewards
- Amber: Some things to work on
- Red: Driving this week may have put safety at risk
If you or another driver gets a red score for the week, the app will explain why. You’ll also get personalised tips to help improve.
Red scores can happen to anyone now and then. But if they happen often and are caused by things like speeding, harsh braking or unsafe driving, this could affect your lease and your ability to stay on the Scheme. Red scores from usage are different. They will not affect your lease, but you will not earn rewards for that week.
What usage means and how it can lead to a red score
The usage part of your score in Drive Smart is based on how much your car is driven in a day.
UK Insurance data shows that more journeys in a day, or long periods of driving without breaks, can increase the risk of an accident. That’s why Drive Smart includes usage thresholds, these are based on UK retail insurance claims data.
You may get a red score for usage if your car is:
- Driven six or more times in one day
- Used for over an hour of continuous driving without a break
But do not worry. Red scores due to usage alone will not affect your Motability Scheme lease. You just will not earn rewards for that week.
We know Motability Scheme customers may need to drive more than average. So we’re monitoring this closely to make sure the scoring stays fair for everyone.
What Drive Smart does not do
Drive Smart does not follow your journeys or record your location beyond what’s needed to understand your driving habits and support your rewards.
We will never use your personal information from Drive Smart for marketing or share it with third parties outside the Scheme.
We take your privacy seriously. The app is managed by our trusted partner, IMS, and your data is only used to give you feedback, support rewards, and help improve the service.
Distracted driving: what we record (and what we do not use)
Drive Smart tracks when your phone is used during a journey. For example, if you make or receive a call or touch the screen. This is called distracted driving.
We record this to help raise awareness and remind of the risks of using a mobile phone whilst driving. But we understand your phone might be used by a passenger during the trip.
So while the app shows this in your trip feedback, it does not count towards your weekly or overall score.
Why Drive Smart matters
Safe driving helps keep everyone on the road safer.
Drive Smart is a simple way to see how you’re doing and where there’s room to improve.
We’re keeping a close eye on how Drive Smart is working.
We want to make sure it works well for every customer who uses it. That means listening to feedback, spotting where things could be better, and making changes when we need to.
Want to know more?
Find out how Drive Smart works and how it could help you.
