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Usage Based Insurance

Usage Based Insurance is a new, smarter, and fairer way to offer car insurance. Traditional insurance calculates your insurance premiums based on factors like your age, location, and driving experience. Usage Based Insurance instead looks at the way you actually drive and rewards smoother and safer driving with savings on your insurance renewal premiums.

Usage Based Insurance 

Improve your driving

Improve and refine your driving style across four criteria: acceleration, speeding, cornering and braking.

Get personalized feedback

Every time you take a trip with your Toyota you'll get personalized feedback on the journey.

Save on your car insurance premiums

The safer you drive the more money you'll save on your next insurance renewal premium.

How does it work?

Many of our newest Toyota models feature full DCM connectivity. Your fully connected car shares the data of your last trip with the MyT app on your phone, giving you a personalized driving score.

How does your driving score work?

  • You’re driving is rated across four criteria: acceleration, speeding, cornering & braking.
  • After every trip in your Toyota, you'll receive an overall driving score, a rating for each criterion, and personalized feedback on how to further improve your driving style.
  • This score is then used to calculate your discount on your insurance renewal premiums. The better the score the more you save.


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Visit your local Toyota retailer, where a member of our team can guide you through the process of signing up to Usage Based Insurance, as well as answer any further questions you might have.

After you have subscribed, download and register yourself on the MyT app (ideally during the handover of your Toyota, so your first trip can already be displayed). Next, opt-in to connected services within the app. And once you’ve opted in, you’ll now be able find the Usage Based Insurance section within the MyT app to access after each trip, along with a quick explanation of how to use the available features.

Your Usage Based Insurance subscription will typically last 12 months from the date you start a contract, after which period you will have the option of renewal.

Usage Based Insurance is available on all connected Toyota cars with DCM 18 & 19, or VC DCM. If you’re unsure whether your vehicle has these features, click here to check if your car is listed among all compatible models on the MyT page.

Usage Based Insurance is a Pay How You Drive (PHYD) insurance. Your insurance renewal premium is based on your Usage Based Insurance driving score. And this is calculated using the following parameters: breaking, accelerating, cornering, and speed. The higher your driving score, the safer your driving style is and the higher the discount on your insurance renewal premium will be.

Your driving score is based on the following criteria: breaking, accelerating, cornering, speeding. However other factors such as time of day, types of road and the amount of time driving also have a bearing on your overall driving score.

You will receive a discount at the end of your initial insurance period, applicable to your insurance renewal premium for the following year.

Within the MyT app homepage, you can find Usage Based Insurance by clicking on the Insurance icon.

Usage Based Insurance is designed to reward safer driving with a discount on your insurance renewal premium, however, if for any reason your driving style does not allow you to qualify for a discount, your insurance renewal premium will not be charged above a normal rate.

At Toyota Insurance, we greatly value your privacy, which is why your driving analytics are anonymised and at any time you are able to hide any particular trip under Privacy Mode.