Part of what sets LOOP apart is that we price your insurance policy on what actually matters- how you drive. We're able to do this with our UBI (usage-based insurance) technology. This requires that you keep the App on for at least 21 days a month, which allows us to provide fair and competitive rates based on your actual driving habits.
We completely understand that you may want to mark yourself as a passenger on trips where you were not the one driving, or trips where you were actually driving for work under a separate commercial insurance policy. Rest assured that we are in the process of making some very significant upgrades to the LOOP app, including removing the driving score all together. The data we're interested in is more about your overall driving habits, not any one individual trip.
As long as you are not speeding or driving recklessly, LOOP should be able to keep offering you the best possible rates for your car insurance.