You can earn Vitality Drive points when you don't drive for a full day. The number of points you earn is equal to the average of your daily Drive points balance for the past 30 days. This is an accurate predictor of what your Drive points balance would have been, had you driven that day. This amount can therefore change every day.

Points for no-drive days will contribute towards your Active Rewards drive ring and your monthly Driving Profile total.

If you did drive on a no-drive day and your trips aren't showing as a recorded trip, please upload your trip data. You may have chosen to only upload your trip data when you're on Wi-Fi. If this is the case, please connect to Wi-Fi so that you can upload your latest trip information and we can record all your trips. Once your trip information has updated, your Drive points balance for the day will change to show the Drive points deducted during each trip.

You will also be rewarded for no-drive days. If you do not drive for a full day, your Drive points balance for that day will be the average of your daily Drive points balance over the past 30 days. This is an accurate predictor of what your Drive points balance would have been, had your driven that day. Points for your no-drive days will also bank towards your weekly Vitality Active Rewards drive goal and your monthly Driving Profile.

Uncovered trips occur when your Vitality Drive Sensor and the Discovery Insure app are not linked. You need to make sure all the required settings are enabled and the permissions accepted.

Points will be deducted for each uncovered trip, based on the duration of the trip. We will also add 1 kilometre to your monthly distance travelled for every 1 minute of uncovered driving.

Download the daily Drive points guide here for more information about how points are deducted for uncovered trips.

You are encouraged to avoid driving at night, especially between 23:00 and 04:30. During these times, there is decreased visibility, it's harder to focus and there are more impaired drivers on the road. Rather use our Drive Me partners and get up to 25% off Uber, Road Trip or Scooter Angels to get home safely.

Your points are calculated as the total night-time driving points of 300 less the sum of Vitality Drive points deducted for night-time driving over the past 30 days.

Download the daily Drive points guide here for more information about how points are deducted for night-time driving.

You can earn up to 300 Vitality Drive points a month for driving less. This is because the more time you spend on the road, the higher your risk of being in an accident. As a result, you will earn Vitality Drive points based on the number of kilometres you drove over the past 30 days.

We also apply a distance penalty for trips where your phone is not present. For each minute of a trip that is not recorded, we add 1 kilometre to your distance points for the month.

Read more about this in our downloadable guide

Harsh driving events will reduce your daily Drive points balance. The maximum number of points you can lose each day is 60, if you have a Vitality Drive Sensor. If you have the standalone DQ-Track, the maximum number of points you can lose each day is 50. You will never have a negative Drive points balance.

Download the daily Drive points guide here to see the point deductions for each driving device.

The Discovery Insure app and the Vitality Drive Sensor, collect and analyse your driving data. This is made up of your acceleration, braking, cornering, speeding and cellphone use behaviours. Other factors that affect your score are the total distance you drive each month and the amount of time you spend driving late at night.

The various driving behaviours are measured as follows:

• Accelerating, braking and cornering: We look at the number of times you drive above the g-force limits for acceleration, braking and cornering. These limits are determined by analysing driving behaviour along with accident data, and are calibrated according to your type of vehicle. Driving below the limits significantly reduces the risk of being involved in an accident.
• Speeding: We measure the amount of time you drive above the speed limit.
• Using your cellphone while driving: We track the amount of time you spend on your cellphone while driving. The app will determine cellphone use using various sensor data. You will not lose points if you make use of a hands-free voice kit.
• Night-time driving: We consider the amount of time that you drive late at night (after 23:00 and before 04:30). Our data shows this is the most dangerous time to be on the road.
• Distance: We look at the total number of kilometres you drive. The more time spent on the road, the higher the risk of being involved in an accident.

Harsh driving events will reduce your daily Drive points balance. The maximum number of points you can lose each day is 60, so you will never have a negative Drive points balance. Drive points are deducted depending on the type and severity of the driving event:

Discovery Insure uses your Vitality Drive telematics device to see how often you drive above the G-force limits for acceleration, braking and cornering. Driving below the limits significantly reduces your risk of being in an accident, while driving above them increases your risk.

We use your Vitality Drive telematics device to measure the amount of time you drive above the speed limit. We look at every 10 seconds you drive 10 km/h or more above the speed limit.

If your speed limit information is wrong, you can report it to Discovery Insure by sending an email to insuremaintenance@discovery.co.za

We track your cellphone use while you're driving. You can safely use a hands-free kit or other Bluetooth connection without impacting your Vitality Drive score. However, if you text, manually dial a number or take calls while your car is moving, your score will be impacted. Put your phone away or use a hands-free kit or other Bluetooth connections while driving so that you can focus on the road. Also, make sure your phone is in a secure position so that it doesn't move around your vehicle while you're driving.

To measure your night-time driving, we use your Vitality Drive telematics device to look at the amount of time that you drive late at after 23:00 and before 04:30 in the morning.

We use your Vitality Drive telematics device to measure the distance you've travelled. The more time you spend on the road, the higher your risk of being involved in an accident.