This Christmas, the soundtrack in your car could be shaping your driving more than you think. As millions take to the roads, Allianz is warning that fast-tempo music can subtly increase speed, stress and reaction times and is encouraging motorists to slow both the car and the beat.

To support safer journeys this year, Allianz is urging drivers to plan ahead, take their time and never drink and drive. As part of this, Allianz Ireland has partnered with Spotify on a new data-driven initiative that helps drivers manage their mindset behind the wheel, simply by adjusting the tempo of the music they listen to.

Building on this partnership, Allianz and Spotify have launched Seat Belters, an in-app experience that creates a personalised, lower-tempo playlist based on each user's listening history. Using Spotify's streaming intelligence, it identifies tracks in the 60-80 beat-per-minute (BPM) range to help promote a calmer mindset on the road - whether it's the school run, inching through town for a bit of shopping, or the long drive home across the country for Christmas.

Studies show that music can have a direct influence on how we drive. Songs with a fast tempo (over 120 BPM) cansubconsciously encourage drivers to speed up and change lanes much more often. In contrast, music that matches the average resting heart rate (around 60-80 BPM) is associated with calmer, more focused driving.

Behavioural Psychologist Dr. Becky Spelman offered insight into the science behind Seat Belters, and how the initiative can have real-world influence on driving behaviour: "As a psychologist, I'm always interested in the small, everyday inputs that shape how we feel and behave. Music is one of those influences that most of us overlook - we usually think of it as something enjoyable to have in the background, but the tempo and rhythm of what we listen to have a very real effect on the body.

"When we're driving, these changes matter. A slight increase in heart rate or a feeling of urgency can lead to quicker reactions, more lane changes or a tendency to drive a little faster. These shifts are not usually conscious decisions; they are simply the body responding to stimulation. The research is very consistent in showing that high-tempo music makes us more reactive and more prone to quick decisions, which is not ideal when we are on the road and need calm, steady focus."

A nationally representative survey commissioned by Allianz earlier this year found that over half of Irish adults believe music influences their driving style, with belief particularly strong among Gen Z, who are the demographic most likely to stream music while driving. Higher heart-rate variability, increased mental workload and erratic driving patterns have all been observed in response to faster music, making mindful playlist curation especially beneficial this Christmas.

Dr. Spelman explains; "This is why the Allianz Seat Belters initiative is so useful. It takes something that people already do every day - listening to music in the car - and turns it into a practical safety support. By selecting music in the range of sixty to eighty beats per minute based on your listening history, the playlist encourages the body to settle. This slower rhythm is much closer to the natural pace of a calm and regulated nervous system. When we're in that state, our thinking becomes clearer, our decision making becomes steadier and we're less likely to behave impulsively, making the roads a safer place for everyone this Christmas."

Allianz has also launched Dashboard Drumming, a social video activation pairing legendary drummer Stewart Copeland (The Police) with science content creator Big Manny. In a parked car, they use nothing but a dashboard and a drumbeat to demonstrate how changing tempo affects mindset, mood, and ultimately driving behaviour - making BPM instantly relatable and sharable. It's a fun but powerful way to show how we respond to rhythm behind the wheel. Start Your Better Driving Sou...