# YUBI 2.0 > Usage-based insurance app tracking driving behavior for policyholders. (iPhone/iPad app by Plymouth Rock Assurance.) - Source: https://appshunter.io/ios/app/yubi-20/id1504727477 (this page in markdown: same URL + `.md`) - Developer: [Plymouth Rock Assurance](https://appshunter.io/developer/632820713) - Category: Business - Price: Free - Age rating: 4+ - Requires: iOS 15.2 · 41 MB - Languages: American English, Arabic, Dutch, Canadian French, German (Germany), Greek, Hebrew, Italian, European Spanish, Swedish - Released: 2020-04-03 - Data updated: 2026-09-05 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/yubi-20/id1504727477/reviews.md ## What is YUBI 2.0? Plymouth Rock’s usage based insurance app for policies sold 4/6/2020 or after and enrolled in the YUBI program.  App provides a score for each trip you take as well as detailed feedback based on your driving skills, helping you become a smarter, safer driver! ## Key features - Trip scoring - Driving feedback - Safer driving improvement - Usage-based insurance tracking - Policyholder program ## What do users think of YUBI 2.0? Overall sentiment: negative **Pros** - 👍 Easy to use (one review) - 💰 Discount offered (mentioned by multiple users) **Cons** - 📉 Inaccurate scoring - ⏰ Penalizes time of day driving - 📱 False mobile phone usage detection - 🚗 Penalizes hard braking - 🚗 Penalizes acceleration for merging - 🚗 Penalizes driving over 60 minutes - 🐌 Slow app performance - 🤔 Unclear scoring logic - 🪲 App doesn't work when paused - 🗺️ Tracks location unnecessarily - 🔄 Inconsistent mileage/time tracking - 🚦 Penalizes stopping for traffic lights/buses - 🚧 Penalizes bumpy roads - 🚶 Records trips after stopping - 🚫 Feedback button not working - 🎛️ Misinterprets CarPlay/Bluetooth as phone use - 🏍️ Inaccurate for motorcycle riders - 🎵 Misinterprets music playing as phone use - ❌ Doesn't differentiate between driver/passenger - 📉 Designed to increase rates - ❌ Cannot achieve perfect scores - ❌ Latest update broke display - ❌ App crashes frequently - ❌ Login verification code not received - ❌ Freezes and doesn't work - ❌ Discount not applied correctly - 😠 Frustrating experience - 😫 Unnecessary stress **Commonly reported bugs** - App still records rides when paused - Feedback button is not working - App freezes and doesn't work - Login verification code/link never arrives - App crashes frequently - Latest update broke the display of numbers/percentages - App incorrectly identifies using navigation with CarPlay as 'mobile phone use' - App incorrectly flags music playing from phone as 'mobile phone use' - App doesn't differentiate between driver and passenger accurately - App doesn't work when paused - App doesn't send verification codes - App freezes up all the time - App doesn't show numbers/percentages anymore, only arrows **Most requested features** - Remove 'time of day' penalty - Improve accuracy of smooth driving detection - Fix feedback button - Differentiate between driver and passenger more effectively - Improve accuracy for motorcycle riders - Correctly interpret navigation with CarPlay - Allow clearing of app data/cache - Improve app performance and reduce load times - Allow manual correction of trip type more easily - Make app more intelligent about non-driving activities - Fix bugs related to trip recording when paused - Improve accuracy of phone usage detection - Fix app crashing issues - Ensure login verification codes are sent promptly - Clarify scoring logic - Allow users to achieve perfect scores - Fix issues with music playing being flagged as phone use - Improve accuracy for bumpy roads - Allow users to manually correct inaccurate measurements ## Recent user reviews (10 of 62) All indexed reviews: https://appshunter.io/ios/app/yubi-20/id1504727477/reviews.md ### 1/5 — Horrible and Inaccurate *2026-03-11, version 2.8.10* No matter what I do, it’s impossible to get a good smooth driving score. The app gives me a 1 even if I only have one “medium braking” event. It doesn’t seem to account for defensive driving, and it takes points off for the time of day you drive — which is frustrating because I have to drive to work during those hours. When I called customer service, they insisted nothing was wrong with the app, even though the scoring clearly doesn’t reflect my actual driving. Overall this has been a very frustrating experience and hasn’t felt fair or useful for evaluating safe driving. Doesn’t seem worth it. AND THEY CHANGE THEIR REVIEW RATINGS!!!! SHOULD BE AT A 1 BUT SAYS 4. ### 1/5 — Horrible and Inaccurate *2026-03-09* No matter what I do, it’s impossible to get a good smooth driving score. The app gives me a 1 even if I only have one “medium braking” event. It doesn’t seem to account for defensive driving, and it takes points off for the time of day you drive — which is frustrating because I have to drive to work during those hours. When I called customer service, they insisted nothing was wrong with the app, even though the scoring clearly doesn’t reflect my actual driving. Overall this has been a very frustrating experience and hasn’t felt fair or useful for evaluating safe driving. Doesn’t seem worth it. ### 1/5 — Terrible! *2026-03-08, version 2.8.10* The biggest issue is when it’s Paused it STILL records rides. Got 4 bad scores when it wasn’t supposed to be recording rides on Pause! Just went in again now to check and sure enough last 3 rides recorded even though I paused it. ### 5/5 — Easy to use *2025-12-01, version 2.8.10* Thank you for making my first telematics experience easy and fun, and I got a discount! ### 1/5 — Set up for failure *2025-11-18, version 2.8.10* I bet you the guy who calibrated this app couldn’t score over a 80% ### 1/5 — Adds unnecessary stress *2025-09-18, version 2.8.5* One more thing to worry about… driving too late -points off…driving over an hour-points off …drive at night-points off…get cut off and apply breaks-points off… accelerate to merge-points off… drive during rush hour-points off…and don’t forget to review each trip to log if you were driving, flying, sailing, or just walking quickly- you need to do it in a timely manner or the lock it in and then you need navigate their customer service maze to have it fixed. Not a fan of this app or the requirement imposed by the insurance carrier. ### 1/5 — What a scam! *2025-08-27, version 2.8.5* I gave in and tried the app to get the discount on Plymouth Rock insurance. I took two very leisurely rides around my town during off peak hours (mid morning and mid day) and received a 77 out of 100 for “Time of Day.” I also turned everything off on my phone except the Yubi app, turned the Bluetooth off, didn’t play music through my phone, put my phone in my purse and DID NOT TOUCH IT the entire time. I STILL got 8 points taken away for mobile use. This is a scam. There is no way anyone could actually drive in New Jersey and not end up getting themselves in trouble using this “discount.” ### 1/5 — worst app ever *2025-07-03, version 2.8.5* I'm the first to say i’m not the best driver but it infuriates me that it takes of points for things that aren’t even my fault . It takes of point when i drive anytime between 3-4 like i work in an elementary school like what would you like me to do ? even when you’re stopped and use your phone it’ll count it . don’t even get me started on the "smooth driving" it’s a joke along with the whole app . the way you know this app is trash and they don’t care ? there’s a feedback button in the app but it’s never working . press it anytime of anyday and trust that feedback button is not working and they don’t care about fixing it or anything else . so ridiculous if i could give this app negative stars i would ### 1/5 — Um…are you kidding? *2025-06-29, version 2.8.5* This app is terrible. If my boyfriend touches my phone while I'm driving, it counts as me using my phone, and I can't correct it. Additionally, when I was on a call, it recorded me as using my phone just for being on that call. I also dislike having to specify whether I was driving or a passenger. Forget about needing to brake hard if necessary. The other day, a car cut off the one in front of me, and I was scared to brake too hard because I didn’t want to get penalized. It’s causing me so much anxiety while driving that I have no choice but to get rid of it. ### 1/5 — Slow *2025-05-13, version 2.8.5* Takes way too long to load simple screens, gets very frustrating when you need to confirm that you were a passenger. ## Frequently asked questions about YUBI 2.0 ### What does the YUBI 2.0 app do? The YUBI 2.0 app is designed for Plymouth Rock's usage-based insurance policies. It monitors your driving behavior, providing a score and detailed feedback for each trip you take. The goal is to help you become a smarter and safer driver. ### Who is the YUBI 2.0 app for? This app is specifically for individuals who have Plymouth Rock insurance policies sold on or after April 6, 2020, and are enrolled in the YUBI program. It is intended for policyholders who want to track their driving and potentially benefit from usage-based insurance. ### How does the app help me become a safer driver? The app analyzes your driving for each trip and provides a score along with detailed feedback. This feedback highlights areas where you can improve your driving skills, such as braking, acceleration, and cornering. By understanding your driving habits, you can make adjustments to drive more safely. ### Is there a cost to use the YUBI 2.0 app? Based on the provided information, the app is free to use. There are no mentions of subscription fees, in-app purchases, or advertisements associated with the YUBI 2.0 application. ## Version history (last 5 releases) ### 2.8.10 — 2025-11-12 Improvements and bugfixes ### 2.8.8 — 2025-09-30 Bugfixes and improvements ### 2.8.5 — 2024-05-29 - Minimum version set to iOS 15.2 - Screens updated to SwiftUI - Mapbox removed in favour of Apple Maps ### 2.8 — 2023-03-29 The App now shows all-time score instead of resetting every 30 days. We've also been working hard and squashed some bugs. ### 2.6 — 2023-02-08 General maintenance update including bug fixes and updates to the welcome screens. ## Apps similar to YUBI 2.0 | App | Rating | Price | Category | | --- | --- | --- | --- | | [PSE&G](https://appshunter.io/ios/app/pse-and-g/id1490690982) | 4.8 (11,288) | Free | Business | ## More apps by Plymouth Rock Assurance - [Plymouth Rock Assurance](https://appshunter.io/ios/app/plymouth-rock-assurance/id632820710) - [RoadRewards](https://appshunter.io/ios/app/roadrewards/id1334261888) All apps by Plymouth Rock Assurance: https://appshunter.io/developer/632820713 ## Related topics [plymouth rock assurance](https://appshunter.io/ios/topics/plymouth-rock-assurance) · [plymouth rock](https://appshunter.io/ios/topics/plymouth-rock) · [yubi](https://appshunter.io/ios/topics/yubi) · [rfassurance](https://appshunter.io/ios/topics/rfassurance) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-05.*