Suncorp-owned AAMI says policyholders using its driver rewards program have shown safer behaviour on the road.  

The program, delivered through the AAMI app, allows the insurer to monitor users’ driving patterns and offer advice on ways to improve safety.  

After every journey, policyholders are given a safe driving score based on behaviour such as speed, braking and cornering, and are offered rewards for lifting their scores.  

Suncorp says its data since 2022 shows 39% of users have raised their scores with extended use. Among those with “low” driving scores, 52% have improved.  

The data also reveals that the most notable improvements have come in turning, braking, acceleration and phone use.  

AAMI spokesperson Mary Kennedy says the initiative aims to reward education and improvement.  

“The app provides users with feedback on a trip level to highlight driving events which occur and provide tips to improve,” she said. “In addition, participants can earn badges for different good behaviours.”  

She says driver distraction is a particular focus. The insurer recently revealed nose-to-tail collisions are the most common claim type over the past decade, and Ms Kennedy says these crashes reveal a “tendency to be impatient and distracted while behind the wheel”.

“We want to be a leading voice for safer roads,” she said. “Investing in a tool like AAMI Driver Rewards allows us to understand the driving behaviours that lead to accidents and use the insights to encourage road safety in the community.”  

Black Dog Institute clinical psychologist Kristy Ross encourages use of the app, saying it offers drivers a crucial tool to address poor road behaviours.

“By incorporating rewards, challenges and progress tracking, it transforms behaviour change into a fun experience (not dissimilar to gaming) and users are incentivised to continue their progress over time,” she said.  

AAMI has also collaborated with NSW’s State Insurance Regulatory Authority to test the skills of more than 500 young drivers using the app’s telematics feature.