How the driving score is calculated.
Published in full, because a score you cannot interrogate is a score you cannot improve. Six inputs, fixed weights, no black box.
The Genie App driving score runs from 0 to 100 across six weighted inputs: smooth braking (25%), speed relative to the posted limit (25%), phone use while moving (20%), acceleration and cornering (15%), time of day (10%) and trip distance context (5%). It is recalculated on a rolling 30-day window, so a bad week fades rather than following you.
| Input | Weight | What moves it |
|---|---|---|
| Smooth braking | 25% | Harsh decelerations per 100 km |
| Speed vs. limit | 25% | Time spent above the posted limit, weighted by margin |
| Phone use | 20% | Screen interaction while the vehicle is moving |
| Acceleration & cornering | 15% | Aggressive events per 100 km |
| Time of day | 10% | Share of distance driven between 11pm and 5am |
| Trip context | 5% | Distance and road type, used to normalise the rest |
Rolling 30-day window. A single event never dominates. Passenger trips can be marked as such and are excluded.
What the bands mean
Bands describe your habits in the app. They are not an insurance rating and no insurer uses them.
What is collected, and who can see it.
Collected
- Accelerometer and gyroscope motion events
- GPS trace during an active trip, used to derive speed and road type
- Screen-on events while the vehicle is in motion
- Trip start and end times and distance
Not collected
- Anything while a trip is not active
- Message, call or app content of any kind
- Contacts, photos or microphone
- Location when the app is closed and no trip is running
Family members
See the same trips, scores and coaching the driver sees. Nothing more, and nothing hidden from the driver.
Under-18 drivers
Require both a parent or guardian and the driver’s own consent on their own device. The driver can see, at any time, exactly who has access.
Insurers
No access. Ever, by default. Sharing is per-instance, explicit, summary-only and revocable.
Full detail is set out in the Privacy Policy, which covers insurancegenie.ca, the request flow and the Genie App. Telematics data is sensitive personal information under PIPEDA and is treated accordingly.
Scoring FAQ
Does a passenger trip hurt my score?
What if the speed limit data is wrong?
Why is a rolling window used?
Can I use the app without location access?
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