Hong Kong's first
driving evaluation app
FWD Drivamatics scores your driving skills and offers you rewards and cash rebate.

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Smart Drivers Awards

MotorSmart Cash Rebate Award

If you purchase FWD MotorSmart Insurance and fulfill the particular driving scores, you can enjoy up to 30% of cash rebate on top of your NCD1.

FWD Drivamatics NCD Protector

FWD Drivamatics No Claim Discount Protector2 recognises your good driving history and rewards you with significant savings. You are automatically eligible for the FWD Drivamatics NCD Protector if your current NCD when purchasing or renewing a Comprehensive (Gold or Silver) MotorSmart policy reaches a minimum of 40%. As long as you are continuously insured by FWD, your total average score3 of the FWD Drivamatics app is 86 or above upon policy renewal and you have a 40%, 50% or 60% NCD, this will be protected regardless of the number of claims you make against your policy as the driver at the time of the event.

Smart Drive Evaluation

FWD Drivamatics has driving behavioural features to identify your unique driving patterns. Precise calculations are made after an accumulated amount of miles and through five major features: safe speed, braking technique, driving focus, turning technique and stable driving.

Driving Stability
Braking Technique
Turning Technique
Safe Speed

Drive Smarter, Earn Better

FWD Drivamatics not only improves your driving skills, but also allows you to enjoy up to 30% cash rebate on top of your No Claim Discount (NCD) via Motorsmart Award, encouraging good driving habits and easing your insurance expenses.

Drivers' Ranking Chart

Interact with friends through social media and compare rankings within your driving community and enhance your experience.

Analyse and enhance your performance behind the wheel to enjoy MotorSmart Rewards!

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  1. The cash rebate will be governed by its terms and conditions. The rebate will be calculated according to the amount of the total premiums paid for the MotorSmart insurance plan, driving scores and travel distance for that policy year and will be paid after the expiry of such policy year. For the details of MotorSmart Award, please visit https://i.fwd.com.hk/en/motor-insurance and refer to the relevant Terms & Conditions.
  2. Eligibility for the FWD Drivamatics NCD Protector does not mean that FWD will accept or offer renewal terms, or that FWD may not change the terms of any renewal. The FWD Drivamatics NCD Protector will be lost if your motor vehicle is involved in an accident and you are not the driver at the time of the event.
  3. The FWD Drivamatics score needs to be calculated from at least 300 km, 20 journeys and 10 hours of driving.

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