Insurance, simplified.

driiva

AI-Powered. Community-driven.

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

Early Refund Guarantee. If our models don't deliver, we refund early.
Driiva app showing AI-powered, community-driven insurance onboarding
FCA SandboxApplication in progress
PRA-regulatedReinsurance capital backing
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.

Smooth acceleration25%

No jackrabbit starts; gradual builds.

Gentle braking25%

Anticipation over emergency stops.

Calm cornering20%

Lateral g-force kept in comfort range.

Speed discipline20%

Within the limit, especially residential.

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 FCA-authorised and we score your actual driving.

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 (60–70%)
Covers claims
Surplus
Refunded
Pool funded · Q1 202668% of reserve target
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
26days
22hours
51min
48sec

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.

Driiva vs traditional

Same road. Different deal.

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

Feature
Driiva
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
FCA-aligned from day one
Sandbox application in progress
Established
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.

FCA Sandbox in progress
Application underway with the FCA. Full regulatory oversight from the day we write our first policy, not bolted on later.
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
Underwritten by a UK-regulated reinsurer. Your claims are paid, score refunds or not, the day you crash.
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?
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.
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?
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.
Is this 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.
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 117 UK drivers on the waitlist for the first refund-first motor insurance that means it.

117+ drivers on the waitlist. Beta opens September.