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Usage-based insurance has allowed insurers to dynamically tailor insurance premiums by understanding when and how safe policyholders drive. However, telematics information can also be used to understand the driving contexts experienced by the driver within each trip (e.g., road types, weather, traffic). Since different combinations of these conditions affect exposure to accidents, this understanding introduces predictive opportunities in driving risk assessment. This paper investigates the relationships between driving context combinations and risk using a naturalistic driving dataset of 77,859 km. In particular, XGBoost and Random Forests are used to determine the predictive significance of driving contexts for near-misses, speeding and distraction events. Moreover, the most important contextual factors in predicting these risky events are identified and ranked through Shapley Additive Explanations. The results show that the driving context has significant power in predicting driving risk. Speed limit, weather temperature, wind speed, traffic conditions and road slope appear in the top ten most relevant features for most risky events. Analysing contextual feature variations and their influence on risky events showed that low-speed limits increase the predicted frequency of speeding and phone unlocking events, whereas high-speed limits decrease harsh accelerations. Low temperatures decrease the expected frequency of harsh manoeuvres, and precipitations increase harsh acceleration, harsh braking, and distraction events. Furthermore, road slope, intersections and pavement quality are the most critical factors among road layout attributes. The methodology presented in this study aims to support road safety stakeholders and insurers by providing insights to study the contextual risk factors that influence road accident frequency and driving risk., Competing Interests: Declaration of Competing Interest The authors declare the following financial interests/personal relationships which may be considered as potential competing interests: Author affiliations with Motion-S: Leandro Masello and German Castignani, (Copyright © 2023 The Author(s). Published by Elsevier Ltd.. All rights reserved.)

Advanced driver assistance systems (ADAS) present promising benefits in mitigating road collisions. However, these benefits are limited when risky drivers continue engaging in distraction events. While there is evidence that real-time warnings help improve driving behaviour, the sustained benefits of warning-based ADAS on reducing driving distraction in light commercial vehicle (LCV) drivers remain unclear. This research determines the effect of receiving instant distraction warnings over two years using a naturalistic driving dataset comprising around one million trips from 373 LCV drivers in the Republic of Ireland. Furthermore, the study applies Association Rule Mining (ARM) to find the contextual variables (e.g., speed limit, road type, traffic conditions) that increase the likelihood of distraction events. The results show that warning-based ADAS providing real-time warnings helps reduce distraction events triggering driver inattention, forward collision, and lane departure warnings. Over half of the studied fleet reduced these warnings by at least 50% - lane departure after two months and driver inattention and forward collision after six months. It is found that both passive and active monitoring systems, coupled with coaching and rewards, significantly reduce aggressive driving behaviours tied to harsh acceleration (by 76%) and harsh braking (by 65%). The results of ARM show that the driving context introduces explanatory information for road safety programs. Low-speed urban roads and the summer season increase the likelihood of driver inattention and forward collision warnings. In contrast, high-speed rural roads increase the likelihood of lane departure warnings. These research findings support road safety stakeholders in developing risk assessments based on warning-based ADAS, targeted campaigns to reduce driving distraction, and driving coaching programs., Competing Interests: Declaration of Competing Interest The authors declare that they have no known competing financial interests or personal relationships that could have appeared to influence the work reported in this paper., (Copyright © 2023 The Authors. Published by Elsevier Ltd.. All rights reserved.)