Will Driiva really be cheaper than my current insurance?

For safe drivers, yes, demonstrably. Our modelling shows the top 40% of drivers save 8 to 15% versus their current renewal. If you drive aggressively, we're not for you, and that's deliberate.

Is Driiva legal? Are you FCA-regulated?

Application in progress with the FCA Regulatory Sandbox, underwritten by a PRA-regulated UK reinsurer. We cannot sell policies yet, that is why this is a waitlist, not a checkout.

Insurance, simplified.

AI-powered. Community-driven.

Q: What happens if I have an accident?

Your claim is paid immediately and in full by our reinsurance capital. Score refunds are separate from claim protection. One bad week does not bankrupt you.

Ready for insurance that rewards you?
Enter your email for early access.

Early refund guarantee. If our models don't deliver, we refund early.

Reinsurance backedPRA-regulated capital at launch

AES-256 / TLS 1.3UK-sovereign hosting

Open algorithmEvery factor published

How it works

Four steps. Two hands on the wheel.

No hardware. No black box. Just your phone, your driving, and your reward.

01 · Download

Install the app

No OBD plugs, no dashcams. Your phone's GPS and accelerometer do the work.

02 · Drive

Drive normally

Our AI scores every trip across speed, braking, cornering, phone use, and night driving. Every factor, every weight, visible.

03 · Score

Build your score

Your driving builds a personal score out of 100. Above 70 qualifies for refunds. Updates in real time.

04 · Earn

Get paid back

When safe drivers keep claims low, the pool's surplus returns to you, up to 15% annually, straight to your bank.

Explainable scoring

Every factor. Every weight. Public.

We publish the full scoring algorithm. These are the five inputs the model uses, ranked by weight.

Speed discipline25%

Within the limit, especially residential.

Gentle braking25%

Anticipation over emergency stops.

Smooth acceleration20%

No jackrabbit starts; gradual builds.

Calm cornering20%

Lateral g-force kept in comfort range.

Phone-free driving10%

No screen handling while in motion.

Check your projected refund

How much could you get back?

A marketing-only estimate. Real pricing happens once we are through the FCA regulatory sandbox and we score your actual driving.

Your age22

Annual mileage8000 miles

Assumes a personal score above 70/100. Below that, refunds taper to zero.

Projected annual refund

£69to£173

Based on a notional premium of £1156, paid back when the pool performs.

Lock in my place

The Driiva Pool

Your premium works harder.

Your driving builds a pool that covers real claims. When the pool performs, the surplus comes back, directly to your bank.

Your Premium

£840/yr

Pool (60 to 70%)

Covers claims

Surplus

Refunded

Illustration, not a quoteNothing is paid until we are through the FCA sandbox

Your score refund£150

Community bonus+£30

Total annual refund£180

Your driving matters most

80% of your refund weighting comes from your personal score. Community performance is a bonus on top, never a penalty.

The pool protects itself

High-risk drivers pay more, claim more, and get zero refunds. Bad actors cannot drain the pot, the math will not let them.

Transparency, built in

See exactly how your driving affects your refund in real time. No settlement mystery at renewal, every factor is public.

Beta opens in

12days

21hours

45min

18sec

Target unlock 1 September 2026. Waitlist members are notified first.

Brand voice

Drive well. Get money back.

We are building the first UK motor insurer where good behaviour is the product, not a marketing line. Every refund is mechanical. Every weighting is published. Every line of the scoring algorithm is open to challenge.

Driver research

We asked drivers what they value. Nobody chose tracking.*

Before we wrote a line of the scoring engine we ran a survey on what people actually want from motor insurance. Real-time tracking, the thing telematics insurers lead with, was the one option nobody picked.

Customer support71%

Usage-based pricing53%

Driving behaviour analysis24%

Accident detection and alerts24%

Real-time tracking0%

Asked what they wanted instead, in their own words.

Actually pay out on time

Money back

Better app design to make things easier

Dynamic pricing

Good customer service, no price rise after a non fault claim

Don’t wait till you threaten to leave to better the deal/price

Verbatim, unedited. Driiva was built to answer the first two: pay out properly, and give money back when the driving earns it.

Driiva vs traditional

Same road. Different deal.

What changes when the insurer is structured to pay drivers back instead of lock them in.

Feature

Traditional UK insurer

Refunds for safe driving

Up to 15% annually

Never

Explainable scoring

Every factor + weight published

Black box at renewal

Hardware required

Phone only

OBD or dashcam

Real-time score visibility

Live in-app

You find out at renewal

Community surplus sharing

Pool returns to drivers

Profit kept by insurer

Trust & security

Built for regulation, not around it.

Motor insurance is heavily regulated in the UK, and we're building for that from day one, not after launch.

End-to-end encrypted

Driving data is encrypted at rest (AES-256) and in flight (TLS 1.3). UK-sovereign servers only. GDPR Article 15 data export in one tap.

Open scoring algorithm

Every factor, weighting, and threshold is published. No black-box models. Audit it, argue with it, propose changes. PRs welcome.

Annual refunds, no fine print

Pool surplus is paid back once a year, cleanly. No 'subject to conditions' at renewal. The weighting is visible every day in-app.

Your data, your rights

We never sell driving data. Delete your account and every trip is purged within 30 days. You can export the lot in JSON anytime.

Capital-backed, not crowd-funded

Claims will be met from reinsurance capital, not from the refund pool, so a claim and a refund never compete. The capital comes from a PRA-regulated UK reinsurer once underwriting begins.

From the founder

Why Driiva exists.

"Motor insurance is the only product where good behaviour goes unrewarded. You pay the same as the speeder down the road. We built Driiva because the math should reward the people who keep the roads safer, not punish them at renewal."

Jamal

Founder & CEO, Driiva

Questions, answered

You asked. We answered.

Will this really be cheaper than my current insurance?

That is the intention, and we are not going to put a number on it before we have priced a single real policy. The model rewards safe driving and charges aggressive driving accordingly, so if you drive hard, we are deliberately not for you.

What counts as a "safe" trip?

We score five factors: smooth acceleration, gentle braking, calm cornering, speed discipline, and phone-free driving. Every factor is weighted and published in the app in real time. You see the score change as you drive.

What happens if I have an accident?

Nothing yet, because we cannot sell you a policy until the FCA authorises us. When we can, claims handling and score refunds will be separate: a claim is settled under the policy, and refunds depend on how the pool performs. Until then this is a waitlist and you are insured by whoever you are with today.

Is this legal? Are you FCA-regulated?

Not yet. We are working towards the FCA regulatory sandbox, we are not authorised, and we are not operating under an MGA. We cannot sell policies today, which is why this is a waitlist and not a checkout.

Do I need to install a dashcam or OBD dongle?

No. Your phone does everything. No hardware to buy, install, or forget to plug back in.

Ready to get paid for driving safely? Sign up now - early access is limited.

Join the waitlist for the first refund-first motor insurance that means it.