FAQs for YUBI®

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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.

General FAQs

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 make sure GPS is enabled to ensure accurate trip capture.

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).

You need either an iPhone (iOS version 8 or later) or an Android phone (version 4.2 or later). 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.

Use of the YUBI app

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

Once you have created your user account, you cannot change your email address in the app. If your email address changes, we recommend that you create a new user account.

While a trip is in progress, YUBI will consume battery power comparable to other navigational apps. Battery usage while not in motion is negligible.data and your receipt of a score).

The assessment period is 6 months 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 log at least 1,000 miles and 100 trips, or use the YUBI app for 100 days within the first 4 months of your policy term.

YUBI stores location-based 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.

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.

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.

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 Help > Settings screen and selecting a different value.

Yes. Just search the app store from your new phone and download YUBI, ensuring to log in with the same email address and password you used to register originally. You will be able to view your trip data from the new phone.

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.

Trip Recording

YUBI will not record trips if your battery level is too low. You can adjust the battery level limit from the Settings 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.

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. You can edit the tag to: Passenger, Walking, Cycling, Boat, Train or Flying.

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.

Scoring

The app itself doesn’t calculate the score. Your driving data is sent to a server where scores are calculated. Depending on the trip length, this may take several seconds or even longer. 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 Settings menu of the app.

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), and amber is better than red.

How scores are calculated? OVERALL SCORE

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.

How scores are calculated? SMOOTH DRIVING

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 score indicates that you are driving smoothly and safely. Few drivers receive a score higher than a 63 in this category.

How scores are calculated? SPEED

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)..

How scores are calculated? PHONE USAGE

Phone Usage – This score is based on how often you initiate or answer a phone call while driving and how long the calls last.  It is a combination of your mental distraction by being on a phone call and your physical distraction measured by how much you are interacting with your phone. Use of other Apps such as streaming music does not affect this score if you do not touch your phone while you are moving. This score is not currently used in the calculation of your renewal discount. 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.

How scores are calculated? TIME ON TASK

Time on Task – 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.

How scores are calculated? TIME OF DAY

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.

Insurance Discounts

Scores or other trip related data will not affect your insurance rates, other than the discount mentioned below.

If you reach the minimum driving criteria of 1,000 miles and 100 trips during the first four months of your assessment period, you will retain a discount at renewal (and that discount can be up to 15% depending on your driving skills). The discount 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 discount he/she qualifies for and the discount 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.

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.

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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.