FAQs for YUBI®

About the YUBI Program

YUBI® stands for Your Usage-Based Insurance. It is a telematics program offered by Plymouth Rock Assurance that utilizes the proprietary mobile telematics app (“YUBI 2.0”) to gather information about your driving habits and help you become a smarter, safer driver.
  • The YUBI program can save you money on your car insurance policy.
  • A Plymouth Rock auto insurance policy with YUBI rewards safe drivers with lower rates.
  • Make sure you opt-in to YUBI when completing your quote with Plymouth Rock. For some customers, participation in YUBI is required and may have been included automatically.
  • To enroll in the YUBI program, each driver will need to provide their cell phone number and we’ll send a text message with a link to download the “YUBI 2.0” app and register.
  • 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 2.0” from the app store, then your phone has the required capabilities.
  • Grant the app permission to access your GPS, location/network services and Motion & Fitness Activity (Apple only), and allow the app to run in the background (Android only). “Always Allow” is necessary for your trips to be automatically captured.
  • If you have previously used the YUBI app and are still actively logged into the YUBI app, then you’re good to go.
  • To stay enrolled in YUBI and to keep the initial discount, you must download the YUBI app, register, and start logging trips with the YUBI app. See the State Specific Requirements section for more details.
  • When activated, the YUBI app uses the GPS system in your compatible mobile device to assess your driving habits, such as mobile use, speeding, smooth driving (braking and acceleration), total miles driven and time of the day.
  • The YUBI app only monitors your location while a trip is in progress.
  • Trip details are provided for each driving trip you take as well as a colored and/or numerical representation of your driving performance and detailed feedback based on your driving skills.
  • If you are still actively logged into the YUBI app, then you’re good to go.
  • If you need to log into the app again, please enter the 10-digit mobile number you registered with to receive your access code.
  • If you deleted your YUBI app, please download the “YUBI 2.0” app from the App store on your mobile device. Enter the 10-digit mobile number you provided when registering to receive your access code and log in.
  • If you are still actively logged into the YUBI app, then you’re good to go.
  • If you need to log into the app again, please enter the 10-digit mobile number you registered with to receive your access code.
  • If you deleted your YUBI app, please download the “YUBI 2.0” app from the App store on your mobile device. Enter the 10-digit mobile number you provided when registering to receive your access code and log in.
  • The first assessment period starts from the time you register with the YUBI app.
  • Prior to renewal, you need to record at least 30 trips and 300 miles before the first assessment period ends. The first assessment period ends 45 days before the first renewal date after enrolling in the YUBI program.
  • In subsequent terms, you should continue to drive with the YUBI app. Re-evaluation periods occur every 12 months after first renewal.
  • You need to record at least 30 trips and 300 miles between the previous assessment period end date and 45 days before each subsequent annual renewal.
  • If the minimum driving criteria is not met, you may be subject to a premium increase at renewal or be at risk of your policy being terminated.

New Jersey state specific requirements

  • All drivers covered on your policy are required to participate in YUBI.
  • All drivers covered on your policy must record at least 1 trip within the first 21 days of the policy’s effective date to maintain your coverage.
  • You may opt out by contacting Customer Service and cancelling your policy.
  • The YUBI program is voluntary to opt-in.
  • Drivers enrolled in YUBI must record at least 1 trip within the first 30 days of policy issuance to retain your participation discount.
  • You may opt out at any time by contacting Customer Service, but be aware that you may lose any applicable YUBI discount on your car insurance policy and may be subject to a premium increase at time of renewal.

Pennsylvania state specific requirements

  • All drivers covered on your policy are required to participate in YUBI.
  • All drivers covered on the policy must record at least 10 trips and 100 miles within the first 14 days of the policy’s effective date to maintain your coverage.
  • You may opt out by contacting Customer Service and cancelling your policy.
  • All drivers covered on your policy are required to participate in YUBI.
  • All drivers covered on the policy must record at least 1 trip within the first 21 days of the policy’s effective date to maintain your coverage.
  • You may opt out by contacting Customer Service and cancelling your policy.
  • All drivers covered on your policy are required to participate in YUBI.
  • All drivers covered on the policy must record at least 1 trip within the first 21 days of the policy’s effective date to maintain your coverage.
  • You may opt out by contacting Customer Service and cancelling your policy.
  • The YUBI program is voluntary to opt-in.
  • Drivers enrolled in YUBI must record at least 1 trip within the first 30 days of policy issuance to retain your participation discount.
  • You may opt out at any time by contacting Customer Service, but be aware that you may lose any applicable YUBI discount on your car insurance policy and may be subject to a premium increase at time of renewal.

New York state specific requirements

  • The YUBI program is voluntary to opt-in.
  • Drivers enrolled in YUBI must download and register with the YUBI app within the first 10 days of the policy issuance and record at least 1 trip within the first 30 days of policy issuance to retain your participation discount.
  • You may opt out at any time by contacting Customer Service, but be aware that you may lose any applicable YUBI discount on your car insurance policy and may be subject to a premium increase at time of renewal.

Connecticut state specific requirements

  • The YUBI program is voluntary to opt-in.
  • Drivers enrolled in YUBI must record at least 1 trip within the first 30 days of policy issuance to retain your participation discount.
  • You may opt out at any time by contacting Customer Service, but be aware that you may lose any applicable YUBI discount on your car insurance policy and may be subject to a premium increase at time of renewal.

Use of the YUBI App

  • The YUBI app is free to download and use if your policy is enrolled in Plymouth Rock’s YUBI program or if you are using the YUBI app for a trial period.
  • Mobile data charges may apply depending on your mobile carrier and plan. If you want to prevent data charges, you can set the app 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).
  • For an average commute of 1 hour each way, the YUBI app will use around 4.2MB of data, which is less memory than a digital photo. The trip is deleted after transmission, which will free up the memory, for transmission timing see below.
  • 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 the YUBI app 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 transmitted the next time your phone is connected to Wi-Fi. See the Preferences section of the app to change these settings.
  • For policyholders, changes to your cell phone number should be communicated to Plymouth Rock’s Customer Solutions Center (800-437-5556) so that the change can be updated in our policy system.
  • The YUBI app 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 the app 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.
  • Just search for “YUBI 2.0” in the app store from your new phone and download the app, 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, the YUBI app will consume battery power comparable to other navigational apps. Battery usage while not in motion is negligible.
  • The YUBI app 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.
  • Your driving information is always kept confidential.
  • The YUBI app 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.
  • We may use your driving information to verify information on insurance policy applications and claim submissions/investigations.
  • We do not share any driver information with any 3rd parties unless we are required by law to do so.
  • For additional information about our privacy policy, please go to Plymouthrock.com/privacy-policy.

Trip Recording

  • In order for the app to automatically record your trips, you should grant the app Location access and “Always Allow” is necessary. For iOS devices, access to Motion & Fitness Activity is also required.
  • For Android devices, you should give the app location access and allow the app to run in the background for automatic trip capture.
  • Once you have the correct settings, the YUBI app 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. The app may continue to record after your trip has ended to ensure you are not sitting at a traffic light or in a traffic jam.
  • The YUBI app 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.
  • If you still do not see your trips, check Settings on your phone to make sure you have granted all necessary permissions to the app including GPS, location (“Always Allow” is needed), Motion & Fitness for iOS devices, and allowing the app to run in the background for Android devices.

How to Edit the Driver/Trip Tag

  • If you were a passenger in a vehicle, you can edit the tag on the trip to reflect that were not driving. Select the “I was not driving” option, then you can edit the tag to passenger.
  • If you were using a non-car mode of transportation, the app should automatically detect it. You can edit the tag on the trip to confirm the mode of transportation (e.g. train, boat, bicycle, plane or walking). If you do not confirm whether you were the driver and your time allotted to edit the tag has passed, the app will automatically lock the trip tag with the detected mode of transportation.
  • 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.
  • Any trip with a non-car or passenger tag will not count towards your driving evaluation.
  • 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 Driving Performance

  • The Red / Amber (yellow) / Green scale is a quick way to offer you visual feedback on your driver and trip component performance. Green indicates a better performance than amber (yellow), which is a better result than red. Green means you are likely to receive a lower rate at renewal based on your driving behaviors.
  • You may also see a numerical representation of your driving performance. Higher scores indicate better performance.
  • Overall performance is based on all of your car trips that have been recorded by YUBI. The colors and/or scores for a single trip is based on your driving skills, such as smooth driving (accelerating and braking), time of day, speed and phone usage.
  • 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 component 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 in motion. 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 of a collision 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 risk posed by other drivers on the road at various times of day when you are also driving. Late night trips are considered riskier.
  • Mileage: Miles driven is recorded by YUBI to calculate your mileage-based score. Low mileage drivers may qualify for lower rates.
  • Colors and scores will not display until you are designated as the driver of the trip. Any trip with a non-car or passenger tag will not count towards your score and minimum driving criteria. The app itself does not 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 when your trip details will be available. You can view your trip details and performance sooner by allowing the app to use mobile data to transmit your driving data. Mobile data charges may apply depending on your mobile carrier and plan. 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 – New Jersey Policyholders

  • To qualify for a discount at renewal, you need to record at least 30 trips and 300 miles during the first assessment period.
  • Each trip is scored using five components: smooth driving, speed, fatigue, time of day, and mobile use while driving. These components, along with your mileage, will be used to calculate your updated premium after each evaluation. To maximize your savings, you should drive smoothly and safely, keep a steady speed, avoid late night trips, minimize handheld phone activities, and take breaks during longer trips. Low mileage drivers may also qualify for lower rates.
  • Good drivers may receive discounts up to 29% at renewal. A small percentage of drivers with poor driving behaviors may get a surcharge up to 31%.
  • Because your annual mileage is subject to change, we may require you to re-evaluate (using the YUBI app) prior to each annual anniversary. This may allow low mileage drivers to continue to get the low mileage discount and those with higher annual mileage re-evaluate for a chance to get a lower rate.
  • In subsequent terms, you should continue to drive with the YUBI app to track your miles and continue to get a mileage-based rating and avoid a surcharge at subsequent renewals.
  • Re-evaluation periods occur every 12 months after first renewal.
  • We will not use this re-evaluation to change your behavior-based rating, only the mileage based rating.
  • You need to record at least 30 trips and 300 miles between the previous assessment period end date and 45 days before each annual renewal. Failure to do so may place you into a higher rated mileage band.
  • Drivers may get a participation discount up to 10% upon enrolling on their car insurance policy. After finishing the minimum driving requirement during the first assessment period, most drivers will continue to get a discount at renewal. The maximum discount you could get is 29%. A small percentage of drivers with the poor driving behaviors and high annualized mileage may get up to a 31% surcharge.
  • If you do not meet the minimum driving criteria in the required timeframe, then any applicable discount will be removed at renewal and you may be subject to a surcharge at renewal or be at risk of your policy being terminated.

YUBI Impact on My Policy – Pennsylvania Policyholders

  • To qualify for lower rates, record at least 30 trips and 300 miles during the first assessment period.
  • Each trip is scored using five components: smooth driving, speed, fatigue, time of day, and mobile use while driving. These components, along with your mileage, will be used to calculate your updated premium after each evaluation. To maximize your savings, you should drive smoothly and safely, keep a steady speed, avoid late night trips, minimize handheld phone activities, and take breaks during longer trips. Low mileage drivers may also qualify for lower rates.
  • Good drivers will receive lower rates after completing the first assessment upon renewal. Poor drivers may see increases in their premium.
  • Because your driving habits can change, we may require you to re-evaluate (using the YUBI app) prior to each annual anniversary. You need to record at least 30 trips and 300 miles between the previous assessment period end date and 45 days before each annual renewal. Failure to do so may result in higher rate at renewal.
  • Drivers may get an immediate discount on your car insurance for simply participating in the YUBI program, and with good driving behavior, you may see even lower rates as your policy Drivers with poor driving behaviors may see higher rates.
  • Good drivers will receive lower rates after completing the assessment upon renewal. Poor drivers may see increases in their premium.
  • If you do not meet the minimum driving criteria in the required timeframe, then any applicable discount will be removed at renewal and you may be subject to a surcharge at renewal or be at risk of your policy being terminated.

YUBI Impact on My Policy – New York Policyholders

  • To qualify for a discount at renewal, you need to record at least 30 trips and 300 miles during the first assessment period.
  • Each trip is scored using five components: smooth driving, speed, fatigue, time of day, and mobile use while driving. These components, along with your mileage, will be used to calculate your updated premium after each evaluation. To maximize your savings, you should drive smoothly and safely, keep a steady speed, avoid late night trips, minimize handheld phone activities, and take breaks during longer trips. Low mileage drivers may also qualify for lower rates.
  • Good drivers may receive discounts up to 30% at renewal. Poor drivers may receive no discount.
  • In subsequent terms, you should continue to drive with the YUBI app to re-evaluate your driving performance and avoid a premium increase at subsequent renewals. Re-evaluation periods occur every 12 months after first renewal.
  • Drivers who improve their driving performance may have an opportunity to get a lower rate. You need to record at least 30 trips and 300 miles between the previous assessment period end date and 45 days before each annual renewal.
  • Drivers will get an 8% participation discount upon enrolling on their car insurance policy. After finishing the minimum driving requirement during the first assessment period, most drivers will continue to get a discount at renewal. The maximum discount you could get is 30%. A small percentage of drivers with the poor driving behaviors and high annualized mileage may receive no discount.
  • If you do not meet the minimum driving criteria in the required timeframe, then any applicable discount will be removed at renewal and you may be subject to a premium increase at renewal.

YUBI Impact on My Policy – Connecticut Policyholders

  • To qualify for a discount at renewal, you need to record at least 30 trips and 300 miles during the first assessment period.
  • Each trip is scored using five components: smooth driving, speed, fatigue, time of day, and mobile use while driving. These components, along with your mileage, will be used to calculate your updated premium after each evaluation. To maximize your savings, you should drive smoothly and safely, keep a steady speed, avoid late night trips, minimize handheld phone activities, and take breaks during longer trips. Low mileage drivers may also qualify for lower rates.
  • Good drivers may receive discounts up to 15% at renewal.
  • Drivers may get an 8% participation discount upon enrolling on their car insurance policy. After finishing the minimum driving requirement during the first assessment period, most drivers will continue to get a discount at renewal. The maximum discount you could get is 15%.
  • If you do not meet the minimum driving criteria in the required timeframe, then any applicable discount will be removed at renewal and you may be subject to a premium increase at renewal.

More About YUBI

  • You can call Plymouth Rock’s Customer Solutions team at 800-437-5556 or send an email to [email protected].
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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 agreements. Each underwriting and managed insurance company is a separate legal entity that is financially responsible only for its own insurance products. A full list of underwriting companies by state can be found on our states licensed & disclaimers page. Actual coverage is subject to the language of the policy as issued. Some discounts, coverages, payment plans, features and benefits are not available in all states and companies, and premiums may vary by purchase method. PA Residents: we reserve the right to refuse to quote any individual a premium rate for the insurance advertised herein.