A system for determining vehicle driver hazard detection proficiency and calculating insurance discounts, wherein an Internet device presents a visual presentation of a continuous drive through a driving environment having driving hazards, an Internet device records locations viewed by a user within the visual presentation, a computer algorithm that compares the recorded user viewing locations with defined locations of hazards within the visual presentation of the continuous drive, to determine a hazard detection proficiency, a computer memory device comprising at least one minimum hazard detection proficiency criteria corresponding to an insurance discount; and a computer analytics device that compares the determined hazard detection proficiency of the user with the minimum hazard detection proficiency criteria and determines whether to award the insurance discount to the user.