For each trip it tells you things like how often you touch your phone, what % of the trip you spent using your phone, and how many times you braked hard (which is a proxy for things like tailgating or general inattentiveness, since it can't see the road). Mostly it seems to be a "don't use your phone" score. There's an overall score, and you can see how big your discount is, but the score itself is largely meaningless without the ability to compare to other drivers.