Your customers could save up to 25%* off their car insurance premium with my Driving Discount. Enrolling is quick and easy and they'll automatically get a 10%* discount for signing up!
How it works
Sign your customers up to the my Driving Discount® program in three easy steps:
Simply add my Driving Discount to your customer's policy when they sign up for their car insurance
Your customer will receive an email with the download instructions provided†. Once they sign in, the app will record their driving behaviour; braking, acceleration and time of day they drive.
The data reported is used to calculate a personalized discount of up to 25% off their car insurance premium.
Once your customer completes the assessment period (9 months), any earned discount will be applied to their policy at the next renewal.
See the potential discount
View a roadmap of each trip and monitor driving habits
†Customers must have a phone that meets the eligibility criteria. iPhone with iOS 8.2/5S or later, or Android with version 4.3 or later
10% enrolment discount just for signing up!
A chance to save up to 25% at renewal.
Simple and convenient
Free app is easy to download and use.
Safety and control
Customers can monitor and improve their driving habits which can help influence their premiums.
Promote your value
my Driving Discount helps you consult with customers.
Your customers can save immediately and long term.
Increased retention rates
Customers that achieve savings on renewal have more incentive to stay.
The program helps generate customer interest in their driving behaviour and potential discount.
Materials & Resources
my Driving Discount app
Driving and saving
57. What should a customer do if there is an error with their driving information?
Frequently asked questions
1. What is my Driving Discount?
my Driving Discount is our insurance program that offers customers a personalized discount of up to 25% based on their driving behaviour. The better their driving habits, the more they can save.
2. How does it work?
We use a mobile app to record the customer’s driving behaviour (braking, acceleration, and the time of day the vehicle is used) based on the number of kilometres driven. The customer simply enrols in the program, downloads the app to their phone and it automatically records their trips.
3. Who is best suited for my Driving Discount?
The my Driving Discount program is best suited for safe drivers who want to benefit from being rewarded for their good driving behaviour.
Any driver that is a principal operator of a vehicle is eligible. The named insured must give consent and have a valid email address. The program is most beneficial for drivers who use their vehicle regularly and therefore have the potential to earn a personalized discount based on their driving behaviour. Customers who plan to put their vehicle in storage and not drive for an extended period of time may not really benefit from the program.
4. What are the benefits to the customer?
Your customers get a 10% discount immediately for signing up and could save up to 25% off their car insurance premium on renewal. In addition, customers receive valuable information about their driving habits.
5. When will my customer receive the personalized discount?
The personalized discount will be applied at renewal, following the completion of a nine month assessment period. The customer must have driven a minimum of 1,000 kilometres during this time. The enrolment discount is removed on renewal and replaced with a personalized discount, which ranges between 0% and 25%, based on driving data collected during the assessment period.
Please note: To receive a personalized discount, the customer must earn a minimum of 5%. If the discount earned is below 5%, the customer will receive a 0% discount.
6. Is the mobile app available for Individually Rated Commercial Auto (IRCA) policies?
No, the new app is available for personal lines customers only and it is not available to IRCA customers or private passenger vehicles that are on IRCA policies. There are no changes to the my Driving Discount IRCA program, which will continue to use the device.
7. Is there any cost to enrol in the program?
No, there is no cost to enrol in the program.
8. How do I enrol my customers?
You can select my Driving Discount when quoting through vendor quoting tools or enrol via Savers Plus. Please see smartroadtosavings.ca for more details.
9. How is the enrolment discount applied?
The enrolment discount is applied when a customer is enrolled in the program. We have updated our enrolment discount from 5% to 10%, for all new business policies (or newly added risks) effective May 23, 2017, and all renewal (existing) policies effective June 23, 2017.
From April 23, you will see the new discount applied to enrolments that are effective after these dates. Any policies that have an effective date prior to these dates will receive the original 5% enrolment discount.
10. Is there any change to the personalized discount?
There is no change to the personalized discount, which remains at a range of 0% to 25%. This means that customers can still save up to 25%, based on driving behaviour. However a customer could drop from 10% to 0%, or 5% on renewal.
11. What about new risks added to a policy?
Any additional vehicles added to a policy on or after May 23, 2017, will receive the 10% discount (does not apply to vehicle substitutions).
12. What about existing enrolments that haven’t completed the minimum assessment period?
Renewals effective June 23, 2017 or later, where the assessment period has not been completed at the time their renewal is issued, will renew with the 10% discount.
13. Will there be cases where the client may see both a 5% and 10% enrolment discount?
Yes. This may happen on some policies where additional vehicles are added. For example:
Policy effective dates are April 30, 2017 – April 30, 2018.
Initially the policy covered one vehicle and one driver.
Currently, the vehicle has an enrolment discount of 5%.
May 30, 2017, a second vehicle is added. The vehicle receives a 10% enrolment discount. The 5% enrolment discount remains on the first vehicle.
14. What type of smartphone does my customer need?
The customer’s phone must be compatible with the app (iPhone iOS 8.2/5S or later, or Android device version 4.3 or later). The customer must also live in an area with cellular network coverage. If your customer does not qualify for the mobile application, please contact your underwriting team to review other potential options.
15. Does my customer need a data plan?
Yes. They must connect through cellular data to have driving data uploaded, so we can calculate their score and update their potential discount. Their trips will always be saved whether or not they are connected.
16. What happens after my customer signs up?
We will send the customer an email with a link to download the app onto their smartphone, along with all the information required to log in to the app. Once installed and set up, the customer simply drives as usual. He or she can view their driving profile and see the potential discount on the app any time they are logged in.
17. Can multiple principal drivers on the same policy enrol in the my Driving Discount program?
Yes. Every principal driver on the policy can enrol if they meet the eligibility criteria. The app should be activated for the vehicle the driver uses primarily.
18. Can a customer enrol multiple vehicles in the my Driving Discount program?
Yes, each principal driver mentioned on the policy may enrol multiple vehicles in the program, subject to meeting the eligibility requirements. They may be eligible to receive the enrolment discount or the my Driving Discount for each eligible vehicle on the policy, depending on the number of enrolled vehicles and/or their principal drivers enrolled in the program.
19. Do all principal operators on a policy have to enrol?
No, the program is completely optional but multiple principal operators may enrol.
20. If more than one operator is enrolled, how many email addresses are required?
Only one email can be captured, however, an email will be sent to that email address, for each operator enrolled. For example: Mr. Smith and Mrs. Smith both enrol using Mr. Smith’s email address. Mr. Smith will receive two emails, one for him, one addressed to Mrs. Smith.
21. How long is the assessment period?
The assessment period is nine months. It begins as soon as the first trip is recorded (a customer must download the mobile application, log in with the details provided and start driving to record their first trip).
22. Is there a minimal distance the customer must drive?
The customer must drive a minimum of 1,000 kilometres during the assessment period. If that distance is not reached within the assessment period, the customer will be unenrolled from the program and no discount will be applied. The enrolment discount will also be removed.
23. How does the mobile app work?
At the end of each trip, the customer must tag the trip in the mobile app, to indicate whether they were driving. If they were not driving, they can indicate: passenger, bus, taxi, bike or other. It is important that all trips are tagged correctly, to ensure the right data is being collected. Once a trip has ended, customers have seven days to tag themselves as a driver of that trip. If they do not tag themselves as the driver, the mobile app will do this automatically.
24. Does the app use power from the phone’s battery?
Yes, and the amount will vary from one smartphone to another. A person that drives between one and two hours per day may see the battery decrease by approximately 24 to 36%. That’s why it’s important to have the phone charged, as trips won’t be recorded without battery power.
25. How much space does the app use on the phone (after it is downloaded)?
The app uses approximately 11.1 MB of space on the phone.
26. What if my customer doesn’t download the app right away?
Advise your customer to download the app as soon as they receive their confirmation email. If they do not, they will receive reminders after day 4, day 10 and day 15. If they don’t download the app and start driving within 30 days, they will no longer be eligible to participate in the program and the 10% enrolment discount will be removed.
27. Does the app use cellular or Wi-Fi data?
Yes. Downloading the app and the app itself will use cellular and/or wireless data. The app transfers data to calculate the score and potential discount. Data will continue to be transferred while roaming, unless it is turned off on the smartphone.
For a person driving about one hour per day, the app uses approximately 40MB of data per month (e.g. this is equivalent to downloading six songs on iTunes).
28. What trips will the app record?
During the assessment period, the app will record all trips where it believes the customer is driving a car. The customer must go into the app and confirm whether he or she was the driver. If they don’t do this, or if the mode of transport is not confirmed, the app will consider them the driver by default after seven days. Once the assessment period is completed, the app will no longer record any trips.
29. What if the app doesn’t record a trip?
It may occasionally happen that the app does not record a trip because of interference with the phone’s GPS, or if they are driving through areas with low cellular phone coverage or there may be an issue with the customer’s phone. If your customer notices this happening regularly, they should contact our Customer Care Line 1-855-251-6977 or email us at firstname.lastname@example.org.
Novex customers call 1-855-251-6978 or email us at email@example.com
30. What happens if the customer is driving in an area with no cellular coverage?
If there is no cellular coverage, the app will close the trip and start a new one when the vehicle re-enters an area with cellular coverage.
31. Will the app work outside of the province?
The my Driving Discount app works throughout Canada and the United States.
32. Should the customer deactivate the app if someone else is driving the car?
No, the app should never be deactivated during the assessment period. The customer has the option to tag themselves as a driver or passenger on any trip where they are in the vehicle. (If the customer is not in the vehicle, the app will not record the trip).
33. How long should the app stay activated?
The app must stay activated until the nine month assessment period is over and the customer receives notification that they have completed their assessment period.
34. Can the customer delete the app when they’re finished the assessment period?
Yes. Once the customer receives a confirmation email advising they have completed the program, the app will no longer record any trips. If they keep the app, they can still review past trip information, however, they will no longer be able to confirm the mode of transport for any new trips.
35. Who does the customer contact regarding technical issues with the app?
Intact Insurance customers can contact our Customer Care Line 1-855-251-6977 or email us at firstname.lastname@example.org.
Novex customers call 1-855-251-6978 or email us at email@example.com
36. Who do I contact if I have questions on behalf of my customer, regarding the my Driving Discount program?
For questions regarding eligibility or underwriting considerations, please contact your underwriter.
For technical issues, brokers can contact our Customer Care Line 1-855-251-6977 or email us at firstname.lastname@example.org. For technical Novex issues, call 1-855-251-6978 or email us at email@example.com.
37. What factors are taken into consideration when calculating the potential discount?
For every trip your customer makes, the app records any occurrences of hard braking and rapid acceleration in addition to the time of day that they drive. These factors are used to calculate a ratio in relation to the total number of kilometres driven and to determine your customer’s potential savings.
Hard Braking - increases the risk of being involved in an accident. The program determines a risk factor for hard braking by calculating the ratio of hard braking occurrences to total km driven.
Rapid Acceleration - increases the risk of being involved in an accident. The program determines a risk factor for rapid acceleration by calculating the ratio of rapid acceleration occurrences to total km driven.
Time of day - driving at night (between 12 a.m. and 4 a.m.) increases the risk of being involved in an accident. Many elements, such as reduced visibility and fatigue, make this time of day the riskiest. The program therefore uses the time of day that the customer is driving to determine the personalized night-time driving factor. The less the vehicle is used at night, the more your customer can save.
38. How much does each factor affect the potential personalized discount?
We recognize that even the best drivers have to brake hard or accelerate quickly occasionally. Therefore, if a customer has one event, it doesn’t mean that the final discount will be affected; the personalized discount is calculated using a ratio of combined events to the total number of kilometers driven. The more the vehicle is driven, the less impact one individual event will have on the overall discount.
39. How does working night shifts affect the potential personalized discount?
Statistically, drivers are more likely to be involved in an accident between 12 a.m. and 4 a.m., so driving during this time of day will be taken into consideration when calculating the potential discount. However, my Driving Discount also takes into consideration how often the customer brakes hard or accelerates quickly to determine the potential discount, so time of day is not the only factor. Remember, the customer will still receive the 10% discount for enrolling in the program.
40. How long does it take before the customer sees the estimated discount?
Once the app has been activated, the potential discount will be available on the customer’s app right after their first trip has been completed and they have been tagged as the driver. The potential discount will be updated after every completed and tagged trip. The customer will also receive a weekly email with their trip data and potential discount.
41. How can my customer achieve the maximum discount?
The better a customer’s driving habits, the greater the potential for savings. Customers should try to avoid hard braking and rapid acceleration. Since the time of day the vehicle is driven affects the discount, the less a customer drives during the high-risk period (12 a.m. – 4 a.m.), the more they can potentially save.
42. If the assessment period is not complete when the renewal is issued, what discount will be applied?
The assessment period must be completed at the 60-day lead time, in order for the personalized discount to be applied. If the assessment period has not been completed, the renewal will be issued with a continuing enrolment discount of 10%. The policy will be issued with the personalized discount at the next renewal, provided the customer remains enrolled in the program.
43. How long will the my Driving Discount apply?
The my Driving Discount will remain on the policy as long as the customer is eligible to participate in the program.
44. Can a premium go up because of a customer’s driving habits?
Premium will not increase as a result of the data used to calculate the discount (time of day you drive, braking, and acceleration). However, on renewal, the enrolment discount will be replaced by a personalized discount based on driving habits. This personalized discount can range between 0% and 25%.
45. What happens if the customer has an accident while using the my Driving Discount app?
Accidents are not taken into consideration when calculating the personalized discount.
46. If the customer goes over the speed limit, will this have an impact on the potential discount?
No. Speeding is not taken into consideration when calculating the personalized discount. However, speeding may cause the customer to brake hard and accelerate rapidly. These two factors (along with the time of day) are taken into consideration when calculating the potential discount.
47. What coverage will the discount be applied to?
The discount is applied to all mandatory and physical damage coverage including the optional OPCF 44 Family Protection Endorsement and will apply to either the principal or occasional operator. It is not applied to any other optional coverage, such as Accident Rating Waiver.
48. Can the customer change their mind and opt out of the program? If they do, will their insurance policy be cancelled?
Yes, customers may opt out at any time. If they do opt out, their insurance policy will not be cancelled; participation in the my Driving Discount program is completely optional. The customer’s enrolment discount will be removed when they leave the program.
49. What happens if the customer changes their vehicle?
If a customer substitutes another vehicle, the app will continue to collect data.
50. What happens if the customer changes their phone?
If the customer changes their phone they simply need to download the app to the new phone and log in using their details. You cannot be logged into the app on more than one device so they should ensure they log out on their old phone before logging in on the new one.
51. What happens if the vehicle is put in storage?
If the vehicle is put into storage during the assessment period and the customer is not driving any other vehicle, they may not meet the eligibility criteria. The customer will be unenrolled from the program and the discount will be removed. If the customer is driving another vehicle, the app will continue to work in any vehicle they are driving.
52. If the customer is already enrolled in the my Driving Discount program with the device, can they switch to the mobile app?
We will allow a one-time switch, however, this is considered a new enrolment and data will not transfer from the device to the mobile app. If they are almost finished their assessment period using the device, it is recommended that they continue until it’s done.
54. How is the customer driving data protected?
55. How long do you keep the customer driving information?
As a general rule, the driving information is stored as long as it is reasonable to do so, for legal or business purposes.
56. How is the customer driving data used?
The driving data is used to determine the eligibility and potential discount following the driving assessment period. We may also analyze the collected driving data to ensure consistency with a customer’s policy, and if necessary, we will advise you so you can discuss the customer’s policy with them, and update existing information currently on file. Collected data will not be used to cancel a policy during the current policy term; refuse or decline to renew a policy on the next renewal term, or add a surcharge.
57. What should a customer do if there is an error with their driving information?
If there are any technical issues with the app, or the customer notices an error in the driving data, they should contact our Customer Care Line 1-855-251-6977 or email us at firstname.lastname@example.org. Novex customers call 1-855-251-6978 or email us at email@example.com.
* An enrolment discount of 10% applies to new policies or risks effective from May 23, 2017 or existing policies effective from June 23, 2017. Personalized discount of 0%-25% based on your driving habits will be applied at renewal upon completion of an assessment period. Certain conditions, limitations and exclusions apply. The savings amount is based on filed discount and rates. Visit intact.ca for full terms and conditions of the ®my Driving Discount program. ®Intact Insurance Design is a registered trademark of Intact Financial Corporation, used under license. ®my Driving Discount is a registered trademark of Intact Insurance Company. © 2017, Intact Insurance Company, All rights reserved.