# Volvo's new app rates your driving and shares the score with insurers Safe drivers could qualify for cheaper usage-based insurance premiums - **Source:** [The Next Web](https://brifing.si/source/afe24b20-b275-4c19-b9a6-8bb3c8babae7) - **Published:** 2026-08-13 - **Topic:** [Business](https://brifing.si/c/business) - **Original article:** - **On Brifing:** https://brifing.si/s/413f2198-4eba-4d03-b0b0-03499f61cdba ## Volvo's new driving evaluation system Volvo's Safety Coach app measures drivers' braking, acceleration, and cornering performance. The app analyzes two weeks of driving data to generate a safety score. This score is shared with Volvia insurance company to determine usage-based rates. The system will launch first in Sweden and Norway, followed by the U.S. and other European markets. ## Compatible models The Safety Coach app will work on most Volvo models from 2020 onward. Compatible vehicles include electric EX40, EC40, EX60, and EX90 models, as well as combustion engine vehicles like XC40, S60, XC60, and XC90. The system requires Google-based infotainment. The U.S. launch timeline remains unspecified. ## Technology behind the system The scoring algorithm was developed by Cambridge Mobile Telematics, the world's largest telematics and AI company specializing in road safety. In Nordic countries, insurance offers come from Volvia, a Volvo and If P&C partnership that has provided insurance since 1959. ## Focus on predictability rather than safety Volvo's Mikael Ljung Aust explains the system aims not just to promote safe driving but to make driver behavior more predictable. Research shows many accidents result from surprise maneuvers. Maintaining expected speed ranges and avoiding sudden moves helps other drivers anticipate actions. ## Privacy-first approach Safety Coach is completely optional. Drivers control their data and can stop sharing with insurers anytime. This approach reflects lessons from GM's OnStar scandal, where driver data was shared with insurers without meaningful consent, leading to FTC sanctions. ## Differences from Tesla's system Tesla's scoring system faced criticism for penalizing drivers for events beyond their control, like hard braking. Volvo's system avoids this and includes a dispute option. Both systems represent the growing trend of driver behavior monitoring. ## Alignment with new EU regulations New EU vehicle safety rules mandate driver-monitoring cameras in all new cars by 2024. While Volvo's app complies, note that EU rules don't require sharing camera data with insurers. Data sharing remains entirely optional under Volvo's system. ## Commercial details remain unclear Volvo hasn't announced its U.S. insurance partner. Discount amounts and whether poor scores could increase premiums are also unknown. These details will determine driver adoption. Experts warn the system could face backlash without transparency and fair scoring. ## Sources covering this story - https://thenextweb.com/news/volvo-safety-coach-app-driving-score-insurance — --- _Summary written by Brifing from the original reporting. Copyright in the original article belongs to its publisher; read the full piece at the link above._