How our mobile app insurance works

When you take out a policy with WiseDriving, you may be told it's a black box policy or a mobile app policy. We've already told you about how our black box policies work - but what about our mobile app policies? We've put together a handy guide to our mobile app insurance.

Our mobile app insurance uses telematics technology to monitor how you drive. You'll be asked to download our WiseDriving app, which will monitor your driving behaviour via the GPS (Global Positioning System), feeding back data on your braking, acceleration, speed and night-time driving, together with where you are driving. Once this information is received it is converted into a score. The higher the score, the better - and you may even get some money back on your insurance. If you have a low score, however, we may ask you to pay additional premiums as drivers with low scores are at a higher risk of having a claim - but if this happens, we'll provide you with handy hints and tips to get you back on track. The app works in conjuction with a 12V device to collect telematics driving data. This will be posted to you when you purchase your policy, along with instructions on how to install it in the cigarette lighter (12V) port of your car. This device then communicates with the WiseDriving app over Bluetooth technology to monitor your driving. You can visit our WiseDriving and Telematics Insurance article to find out more about the WiseDriving App and the 12V device or by watching the below video:

Frequently asked questions about the mobile app policy

Will it save me money?

Unlike other telematics policies that make you wait until renewal to see if you have saved any money, WiseDriving rewards you throughout your policy. We check your driving score after the first 60 days, and where your score has improved, we will look to see if you are entitled to a refund, however if your score has reduced there may be additional premiums to pay. After the initial 60 day update we will repeat this process every 30 days throughout the life of your policy, meaning you control how much you pay by how you drive, it’s that simple!

How do you know if I’m using the App to monitor my driving?

To help us validate the information you’ve given us, we check various things using the monitored driving recorded by the WiseDriving App. For example, how often the WiseDriving App is used to monitor driving, how many miles are monitored (particularly in respect of the estimated annual mileage you gave us when you bought the policy).

Once installed, can I remove my Telematics Device?

The device can physically be removed at any time, however it needs to remain in the 12V port/cigarette lighter in order to work with the smartphone app.

It is recommended that the telematics device is plugged in at all times during the term of your policy. If the telematics device is removed, your policy may be cancelled.

Will my insurer know if I have removed the device?

Yes, this is a telematics policy which monitors your driving behaviour, including use of the device.

Do I need to do anything to the App when driving?

No. You do not need to look at or touch the WiseDriving App whilst driving. The WiseDriving App will take care of switching on and off monitoring automatically and will tether to the telematics device when you get in the car. We recommend using the USB port to charge your phone during each journey on our telematics device.

Do I need a mobile phone signal?

No. Your journey will still be recorded even when you have no mobile phone signal. Our app uses your phone’s built-in GPS receiver. Your mobile phone signal is different to GPS.

Can I try the app before I take out a WiseDriving car insurance policy?

No but you can try downloading our WiseDriving App to see if your phone is compatible to use our WiseDriving App and then try getting a quote from us by clicking here.

Could my car insurance premium go up as well as go down?

Yes. Your premium could go up, go down or stay the same depending on your driving score. However, if your score does fall, we'll provide helpful hints and tips to get you back on track.


When you take out a mobile app policy with us, we will post you a device that fits into the 12v slot in your car. You will also be provided with instructions on how to download the app, and how to connect it to the device in your car. The app is free to download, and can be found via the App Store or the Google Play Store.

Does the App use my data allowance?

The App uploads your journey data via your data to ensure it is as up to date and accurate as possible; this also helps in the event of an accident as we receive the crash information immediately. The amount of data used is approximately 10mb (approximately the same as downloading 2 songs) and dependant on how much you drive. We recommend you use Wi-Fi where available to upload your driving details. You can reduce the data usage by selecting “Wi-Fi only upload” in settings. This uploads your journey records when you’re next connected to Wi-Fi rather than sending over your phone provider’s data network.

Will the App use my battery?

As the App utilises the GPS receiver and Low Energy Bluetooth the battery will be used so we recommend using the USB port to charge your phone during each journey on our 12v device.

Who owns the WiseDriving App and 12v device?

We do, but you have our permission to access the WiseDriving App on your mobile phone and we will send you a 12v device in the post.

Why is the light on my 12v device on all the time?

This is down to the manufacturer of the car and the power supplied to the 12v port, however the device will ‘sleep’ after 5 minutes of inactivity and therefore will not drain your battery.

What happens if there is a weak GPS signal?

The strength of the GPS signal varies across the country and therefore the signal could drop at intermittent times, however we are aware this is the case and therefore it will not affect your score or policy. Your battery life being below 15% will also stop a journey being recorded so we recommend charging your phone via the USB port during each journey on our 12v device.

Posted on March 6, 2019

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