Questions on Bluemix IOT Driver Behavior service

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Came across the interesting service (Experimental) on Bluemix - Driver Behavior. Curious to know how it actually works, how does the data get to Bluemix from the car and is there a need to have an external app/device in the car to collect and post data to Bluemix something similar to Aviva's Rate my Drive app?

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One simple example is to use IoT Platform and Node-RED to receive car probe data via MQTT and send the received data into Driver Behavior service in the Node-RED workflow. You can have MQTT client in each driver's smart phone.

I am not familiar with the Aviva's Rate my Drive app, but as far as I searched, you might be able to develop similar kind of application which can analyze driving behavior from car probe data with the Driver Behavior service.