Everyone knows the feeling: you’re a safe and responsible driver, yet insurance premiums don’t seem to reflect that. With Allianz BonusDrive, that could change. In this article, we explain everything you need to know about Allianz BonusDrive Calculation, how to optimize your driving style, and ultimately save money.
What is Allianz BonusDrive Calculation?
The Allianz BonusDrive Calculation is the core of Allianz’s telematics tariff. Instead of classifying you based on rigid factors like your vehicle type or place of residence, Allianz calculates your premium individually based on your actual driving behavior.
Allianz BonusDrive app interface on a smartphone
How Does Allianz BonusDrive Calculation Work?
The calculation is based on various driving data collected via an app on your smartphone or a telematics box in your vehicle. The most important factors include:
- Speed: Adherence to speed limits
- Braking behavior: Frequency and intensity of braking
- Acceleration: Smooth and anticipatory acceleration
- Cornering behavior: Safe and controlled cornering
- Driving times: Avoidance of driving at risky times (e.g., at night)
The app analyzes this data and creates an individual driving score. The better your driving style, the higher your score and the lower your insurance premium.
Advantages of Allianz BonusDrive Calculation
- Fair premiums: You only pay for your actual driving behavior.
- Transparency: You have access to your driving data and score at any time.
- Motivation: The app motivates you to drive safely and responsibly.
- Savings potential: With good driving style, you can significantly reduce your insurance costs.
Tips for Optimal Allianz BonusDrive Calculation
- Drive proactively: Maintain sufficient distance, observe traffic, and react promptly to hazardous situations.
- Brake gently: Avoid abrupt braking and use engine braking.
- Accelerate smoothly: Drive as consistently as possible and avoid full throttle.
- Adjust your speed: Adhere to speed limits and consider traffic conditions.
- Avoid distractions: Concentrate on the traffic and do not use your smartphone while driving.
Car dashboard displaying the Allianz BonusDrive interface showing safe driving
Frequently Asked Questions about Allianz BonusDrive Calculation
What data is collected?
Only driving data such as speed, braking behavior, and acceleration are collected. Location data is only anonymized and used for statistical purposes.
What happens to my data?
Allianz treats your data as strictly confidential and uses it exclusively to calculate your insurance premium.
Can I terminate Allianz BonusDrive Calculation at any time?
Yes, you can cancel the telematics tariff at any time and switch to a classic tariff.
Conclusion
The Allianz BonusDrive Calculation offers you the opportunity to actively influence your insurance premium and save money through safe driving. The app also provides you with valuable insights into your driving behavior and motivates responsible road behavior. If you are open to innovative technologies and want to optimize your insurance costs, Allianz BonusDrive is definitely worth considering.
Do You Have More Questions?
Our car experts are happy to assist you. Contact us through our website and get individual advice!
