FAQs for YUBI®

Select a product to get a quote
Zip Code Required
Invalid address. Ex: 123 Main St, York, PA 17403
First Name Required
Last Name Required
Date of Birth Required You must be at least 18 years old to purchase insurance Please enter a valid date of birth (mm/dd/yyyy)

I have read and agree to the Terms and Conditions & Privacy Policy and I Consent to Conduct Business Electronically.

In order to calculate an accurate premium and make insurance eligibility decisions we obtain different types of public records and geographic data from independent third-party data providers. Such data includes, but is not limited to, information regarding year built, square footage, building material, number of stories, age of roof, and assessed value and will be displayed for the applicant to review and either confirm or correct any inaccuracies.

By clicking the "Agree & Get Quote" button below, I am agreeing to receive calls and/or emails from Plymouth Rock and its agents to market insurance products at the contact information I provide. I understand that my agreement to receive these calls and/or emails is not required to purchase any goods or services.

First Name Required
Last Name Required
Invalid address. Ex: 123 Main St, York, PA 17403
Date of Birth Required You must be at least 18 years old to purchase insurance. Please enter a valid date of birth (mm/dd/yyyy)

I have read and agree to the Terms and Conditions & Privacy Policy and I Consent to Conduct Business Electronically.

In order to calculate an accurate premium and make insurance eligibility decisions we obtain different types of public records and geographic data from independent third-party data providers. Such data includes, but is not limited to, information regarding year built, square footage, building material, number of stories, age of roof, and assessed value and will be displayed for the applicant to review and either confirm or correct any inaccuracies.

By clicking the "Agree & Get Quote" button below, I am agreeing to receive calls and/or emails from Plymouth Rock and its agents to market insurance products at the contact information I provide. I understand that my agreement to receive these calls and/or emails is not required to purchase any goods or services.

About the YUBI app

YUBI® is a mobile app that records and assesses your driving habits. A score is provided for each trip you take as well as detailed feedback based on your driving skills, helping you become a smarter, safer driver.

Once you’ve installed YUBI on your smartphone, it works in the background to capture relevant trip details when you are in motion. Before a trip, remember to take your phone with you and grant the app permission to your GPS, location / network services and Motion & Fitness Activity (Apple only), and allow the app to run in the background (Android only) to ensure accurate trip capture.

You need a compatible mobile device, either an iPhone or an Android phone, running the current or previous 2 operating systems.. GPS and accelerometer capabilities must be available on your phone. If you have been able to download YUBI from the app store, then your phone has the required sensors.

YUBI is free to download and use if your policy is enrolled in Plymouth Rock’s YUBI program. Mobile data charges may apply depending on your mobile carrier and plan. If you want to prevent data charges, you can set YUBI to transmit data using Wi-Fi-only in the Preferences section (although this will delay transmission of the data and your receipt of a score).

Use of the YUBI app

For an average commute of 1 hour each way, YUBI will use around 4.2MB of data and less memory than a digital photo. The trip is deleted after transmission, which will free up the memory. If you would like to only use Wi-Fi to transmit data, you can make this change in the Preferences section of the app.

If YUBI is set to use your mobile data, it will be sent during the course of a trip. If it’s set to transmit via Wi-Fi, the data will be saved and transferred the next time your phone is connected to Wi-Fi. See the Preferences section of the app to change these settings.

The assessment period starts from the sale of your new business policy with Plymouth Rock. In order to be able to calculate an accurate driver score, we would like each driver to record at least 500 miles and 50 trips, or use the YUBI app for 100 days within the first 4 months of your enrollment policy term. In subsequent terms, you should continue to drive with the YUBI app to track your miles to continue to get a mileage-based rating and avoid a penalty at subsequent annual renewals.

Changes to your cell phone number should be communicated to Plymouth Rock’s Customer Solutions Center so that the change can be updated in our policy system. The cell phone update will then be forwarded to our YUBI vendor.

YUBI is always on, and therefore the icon is always visible. Also, there is a fixed notification in the pull-down notification menu so that you are aware that YUBI is running. These notifications cannot be removed unless you force stop the application. This would cause the app to stop running and prevent trips from being recorded.

Yes. Just search the app store from your new phone and download YUBI, then enter your cell phone number to login. You will be able to view your trip data from the new phone.

While a trip is in progress, YUBI will consume battery power comparable to other navigational apps. Battery usage while not in motion is negligible.

YUBI is set to a battery conservation level of 20%. This means that the app will pause recording when the battery level is below 20%. You can change this level by visiting the Preferences menu and selecting a different value.

YUBI stores location-based and phone usage data from your trips and encrypts it prior to transmission. The data is transmitted to the servers of our third party vendor. You can view the YUBI Privacy Statement within the Terms & Conditions.

You can call Plymouth Rock’s Customer Solutions team at 800-437-5556 or send an email to [email protected].

Trip Recording

YUBI is always on in the background and is automatically activated when you start a trip by detecting a faster and longer movement from one point to another. YUBI may continue to record after your trip has ended to ensure you are not sitting at a traffic light or in a traffic jam.

YUBI will not record trips if your battery level is too low. You can adjust the battery level limit from the Preferences menu. Technical challenges may also prevent trip capture, such as loss of GPS or mobile network connections. It can also take a few hours for a trip to appear on your phone depending on if you selected mobile data or Wi-Fi to transmit trips.

How to edit the driver/trip tag

If you were a passenger in a vehicle or using another mode of transportation, you can edit the tag on the trip to reflect this. Select the “I was not driving” option, then you can edit the tag to passenger, train, boat, bicycle, plane or walking. If your time allotted to edit the tag has passed and the trip tag is now locked, please contact [email protected] and the trip tag can be edited for you.

From your “Trips” listing, select the trip where you were a passenger in a vehicle or using another mode of transportation. Select the “I was not driving” option, then edit the tag to passenger, train, boat, bicycle, plane or walking. Click Confirm to lock in your change. If your time allotted to edit the tag has passed and the trip tag is now locked, please contact [email protected] and the trip tag can be edited for you.

Understanding my Scores

The Red / Amber (yellow) / Green scale is a quick way to offer you visual feedback on your driver and trip component scores. Green indicates a better score than amber (yellow), which is a better result than red.

Overall score is calculated from all your trips that have been recorded by YUBI. The score for a single trip is based on your driving skills, such as smooth driving (accelerating and braking), time of day, miles and phone usage. All scores range from 0 – 100 with 100 being a perfect score and very hard to achieve.

Smooth driving – This is a measure of your level of anticipation of the traffic flows based on the amount of acceleration and braking that you perform throughout your trip. A good (green) score indicates that you are driving smoothly and safely.

Mobile use – This score is based on how often you use your phone and how you use your phone while driving.  It is a combination of your mental and physical distraction measured by how much you are interacting with your phone. Use of other apps such as streaming music and hands-free phone calls do not affect this score if you do not touch your phone while you are moving. Remember, in some states, use of a mobile phone while driving is illegal, and some states require hands-free capability when using a phone while driving.  Be sure to always comply with the law of the state in which you are driving.

Speed – This is a measure of the relative risk based on the speeds of the driver on each trip depending on the type of area the driver is in (residential, highway, super highway).

Fatigue – This is a measure of the risk of the driver losing concentration due to the length and monotony of each trip. To avoid driving fatigue, it is good practice to take breaks during long trips to avoid becoming excessively tired.

Time of day – This is a measure of the relative risk of you driving on the roads at various times of day. It is not a measure of how you drive, but instead relates to the risk posed by other drivers on the road at that time. Be aware that late night trips are riskier.

A score will not display until the trip is designated as you being the driver. Only trips indicated as driver count towards your score and minimum driving criteria. The app itself doesn’t calculate the score. Your driving data is sent to a server where scores are calculated, so how you select to transmit your driving data may also impact how long it will take to display your trip and score. You will receive the score sooner if you allow the app to use mobile data to transmit your driving data.  Using Wi-Fi delays the transmission of data until the next time you are connected to Wi-Fi.  You can choose mobile data or Wi-Fi in the Preferences menu of the app.

YUBI impact on my policy

Your new business policy came with a YUBI discount.  You can call Customer Solutions at 800-437-5556 if you would like additional information regarding your discount. You must log a trip within thirty (30) days of the sale date of your policy to keep this discount. 

The assessment period starts from the sale of your new business policy with Plymouth Rock. In order to be able to calculate an accurate driver score, each driver needs to record at least 500 miles and 50 trips, or use the YUBI app for 100 days within the first 4 months of your enrollment policy term. In subsequent terms, you should continue to drive with the YUBI app to track your miles to continue to get a mileage-based rating at subsequent annual renewals.

If you reach the minimum driving criteria of 500 miles and 50 trips during the first four months of your enrollment policy term, you will earn a factor at renewal based on your driving behavior and miles driven. This factor can range from being a discount (up to 24%) to a surcharge (up to 10%). 94% of drivers who successfully complete the evaluation earn a discount at renewal through their participation in YUBI. The factor at renewal is calculated for each driver on the policy that has downloaded the app, participated, and met the requirements of the assessment period. Each driver receives the factor he/she qualifies for and the discount and/or surcharge may vary from driver to driver based on each driver’s characteristics determined during the assessment period. If a driver does not meet the minimum driving criteria in the required timeframe, then the discount for that driver will be removed at renewal. At subsequent renewals, your mileage-based renewal factor will be updated at annual renewals based on your miles driven, but your behavior-based renewal factor will remain the same for all future terms. You must record at least 50 trips and at least 500 miles between the previous assessment period end date and 45 days before each annual renewal.

©2021 Plymouth Rock Assurance. All Rights Reserved.

Plymouth Rock Assurance® and Plymouth Rock® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states pursuant to licensing arrangements. In CT, insurance is underwritten by Plymouth Rock Assurance Corporation, Palisades Insurance Company, and Plymouth Rock Home Assurance Corporation. In NJ, insurance is underwritten by Palisades Safety and Insurance Association, Palisades Insurance Company, High Point Property and Casualty Insurance Company, High Point Preferred Insurance Company, Teachers Auto Insurance Company of New Jersey, Twin Lights Insurance Company, Rider Insurance Company, and Palisades Property and Casualty Insurance Company. In PA, insurance is underwritten by Palisades Insurance Company, High Point Preferred Insurance Company, Palisades Property and Casualty Insurance Company, and Rider Insurance Company. Each underwriting and managed insurance company is a separate legal entity that is financially responsible only for its own insurance products. Actual coverage is subject to the language of the policies as issued by each separate company. Some discounts, coverages, payment plans, features and benefits are not available in all states and companies.