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The objective of this paper is to demonstrate the potential for monitoring and star rating driver traffic and safety behavior, through the use of continuous data collection from the vehicle (On Board Diagnostics) and the smartphone. Current technological advances in Europe and worldwide make data collection and exploitation substantially easier and more accurate than before. The present work examines the correlation between driving behaviour and degree of exposure with traffic risk. Moreover, the impact of critical behavioural and exposure indicators on traffic risk as well as driving behavior and exposure models using the above indicators for traffic risk calculation are also examined.