We’ve explained the process in full below, or you can take a look at a visual representation of the
process here.
The first red journey
The first red journey that occurs is deemed as a ‘Free Warning’. We send you, and the car owner, notification of the journey so that it may be reviewed, and we call to talk through and explain the issues which led to the score falling.
The second red journey - Stage 1
If there is a subsequent red journey, after the free warning has been issued, we will issue you notification that you will enter a Red Zone, known as Stage 1 which lasts for 30 days.
During this time:
If you do not have a further red journey within this 30-day period, the Red Zone will expire there will be no further action. You will remain in Stage 1.
A subsequent red journey (outside the 30 day Red Zone) will result in a new Stage 1 notification being issued, during which a further 30 day probationary period will be applied.
If you do have a further red journey whilst you are in a 30 day Red Zone, you will move to Stage 2.
Stage 2
If you do not have another red journey within the Stage 2 Red zone of 30 days, there will be no immediate action.
However, a subsequent red journey (outside the 30-day Red Zone) will result in a new Red zone of 30 days beginning again, and the process described above will apply.
Having entered Stage 2, if you have another red journey within the Red zone of 30 days you will move to Stage 3 and a further Red zone of 30 days will begin.
Stage 3
If you do not have another red journey within the Stage 3 Red Zone of 30 days your policy will continue, and you will no longer be at immediate risk of cancellation.
However, a subsequent red journey (outside the 30-day Red Zone) will result in a new Red zone of 30 days beginning again, and the process described above will apply.
Having entered Stage 3, if you do have another red journey within the Red zone of 30 you will be issued with a notification that the policy will be cancelled. We will confirm, in writing, that the policy will be cancelled 7 days from the date of us notifying you in writing.
Of course, we hope that it will not be necessary to cancel your policy. These measures are purely there as a deterrent and a means of demonstrating there could be consequences for not driving safely. It is in everyone’s interests to stay ‘Green’, and we are here to help you achieve that.