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. Insurance is one of the biggest costs on the Scheme. Drive Smart helps you be more mindful of your driving habits. And by driving better, we can help make the roads safer for everyone and reduce insurance claims.
Jump to:
- What Drive Smart measures
- How your weekly score is calculated
- Red weekly scores: what they are and what they mean
- What usage means and why we include it
- How Drive Smart uses your location
- Distracted driving: what we record (and what we do not use)
- Does Drive Smart have a curfew
- What Drive Smart does not do
- Why Drive Smart matters
- Who has Drive Smart
- Who does not have Drive Smart
- Removing Drive Smart from your lease if you turn 30
- We’re keeping a close eye on how Drive Smart is working
What Drive Smart measures
Your Drive Smart score is based on how your Scheme vehicle 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). This does not impact your score but shares how distractions can impact driving and focus
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 or give you an average of your journeys. Instead, it pulls together all your journeys for the week to give you a full picture.
This means your weekly score reflects how you drive overall. It gives more weight to longer journeys, so each trip has a fair impact on your score.
For example, if you score 50 on a two-mile trip, and 100 on a longer 20-mile trip, your weekly score will show that you spent more time on the higher 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: You’re driving safely and on track to earn rewards
- Amber: There are some areas to improve, but you’ll still earn some rewards
- Red: Your driving behaviour was riskier this week. We’ll share some tips to help you improve
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 you improve.
A red score on a single trip can happen. But if your weekly score is red, your driving may be higher risk overall. If this happens often, it could affect your lease. But this is a last resort. If you get a weekly red score, we’ll share tips on how to improve and which areas to focus on.
What usage means and why we include it
The usage part of your score in Drive Smart looks at how often and how long your car is driven each day. It does not limit how much you can use your vehicle, and you can continue to drive as much as you need.
UK insurance data shows that making lots of journeys a day, or long periods of driving without breaks, can increase the risk of an accident.
That’s why Drive Smart includes a usage measure as part of your overall score.
Your usage score starts to reduce if you make lots of trips in one day or spend a long time driving without a break.
This will not affect your Motability Scheme lease, and you will not get a red score for this alone. You may just earn fewer rewards that week.
We know Motability Scheme customers may need to use their vehicle more frequently or for longer journeys. Drive Smart is designed to support safe driving, not limit your independence. We’re monitoring this closely to make sure the scoring stays fair for everyone.
How Drive Smart uses your location
The Drive Smart app uses Bluetooth to connect with the wedge in your Scheme vehicle. It uses location data in your phone to understand when your journey has begun. This also enables it to understand the speed limit of the road you are driving on, how fast and how well you are braking and cornering.
Drive Smart uses this information to see how well you’re driving and to offer tips on how you can improve. It does not look at your location outside of your journeys in your Scheme vehicle.
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.
Does Drive Smart have a curfew
There is no curfew with Drive Smart. You can drive your vehicle whenever you need. This includes late at night or early in the morning.
However, how you drive at night can have a bigger impact on your score. For example, speeding or harsh braking at night may affect your score more than during the day, because driving at night carries a higher level of risk.
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 telematics partner, IMS, and your data is only used to give you feedback, support rewards, and help improve the service.
Why Drive Smart matters
Better driving helps to keep everyone on the road safe.
Drive Smart is a simple way to see how you’re driving and where there’s room to improve.
By encouraging safer driving, Drive Smart helps prevent accidents, which also reduces insurance costs for customers and makes the roads safer for everyone.
Who has Drive Smart
Drive Smart applies to your lease if:
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You have a named driver on your lease under 30 years old
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You ordered your first vehicle on the Scheme on or after 13 April 2026. This only applies to your first full lease
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You’ve had a number of insurance claims where the accident was your responsibility
If none of these apply to you, your lease will not include Drive Smart.
If you were already a customer on the Scheme before 13 April 2026 and do not have an under 30 driver on your lease, you will not have Drive Smart as part of your lease.
You will only have Drive Smart added if you’ve had a number of insurance claims where you were responsible.
When you turn 30, you can ask us to remove Drive Smart from your lease, as long as there are no other drivers under 30.
Just contact us and we’ll take care of this for you.
We’re keeping a close eye on how Drive Smart is working.
We’ve heard your feedback about Drive Smart. We want to make sure it works well for every customer who uses it. That means listening to your concerns, spotting where things could be better, and making changes when we need to.
If you still have a question about Drive Smart, visit the FAQs page.
Want to know more?
Find out how Drive Smart works and how it could help you.
