my Driving Discount®
What is my Driving Discount®?
Most Frequently Asked Questions
What is the my Driving Discount®?
The my Driving Discount is the Intact insurance program that offers you a personalized discount based on your driving habits (braking, acceleration, and time of day the vehicle is used, all in relation to the total number of kilometres driven). The better your driving habits, the more you could save!
What’s in it for me?
Not only could you save up to 25% on your car insurance premium once you complete your assessment period, but you’ll also receive valuable information about your driving habits.
Is there an enrollment cost?
No, there is no charge for enrolling in the my Driving Discount program.
Can my premium go up because of the driving data (braking, acceleration and time of day of vehicle use)?
No, the data used to establish your potential savings cannot increase your premium. On the contrary, you automatically receive a 5% enrollment discount off your premium, and at the end of the 180-day assessment period you could get a total discount of up to 25 %, depending on the driving habits.
How do I sign up?
If you already have an automobile insurance policy with us, you can enroll in the my Driving Discount program with your broker (subject to meeting the eligibility criteria). If you are looking to insure your vehicle with Intact Insurance and sign up for my Driving Discount, you can fill out an online quote on our website or contact your broker.
What factors are taken into consideration when calculating my discount?
Following completion of the assessment period, your enrollment discount may be replaced by a personalized final discount (the myDriving Discount) that takes into account:
- based on the number of kilometres driven:
- a. time of day that the vehicle is driven;
- b. hard braking events;
- c. rapid acceleration events; and
- the information in your insurance file you have provided us with (e.g., postal code, age).
The my Driving Discount is not static and is subject to change upon each renewal of your insurance policy, as of the second renewal following your enrollment in the program.
Hard braking increases the risk of being involved in an accident. The system therefore determines a risk factor relative to hard braking by calculating the ratio of hard braking on the total km driven. A hard braking event is defined as any decrease of speed by more than 12 km/h in less than one second.
Rapid acceleration increases the risk of being involved in an accident. The system therefore determines a risk factor relative to rapid accelerations by calculating the ratio of rapid acceleration on the total km driven. Rapid acceleration is defined as any increase of speed by more than 12 km/h in less than one second.
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 system therefore uses the times of day that you’re driving to determine your personalized night-time driving factor. The less the vehicle is used at night, the more you could save.
What happens after I sign up?
We will send your my Driving Discount device in the mail. Just plug it in to your OBD (onboard diagnostics) port and drive as you normally do. After you connect your device, we’ll send you an email containing all the information you need to log on to your my Driving Discount and see your driving profile and potential discount. Your first update on your potential savings will be sent to you 30 days after you connect the my Driving Discount device in your vehicle.
How long will my discount apply?
Your 5% enrollment discount applies as soon as you join the my Driving Discount program. Once the 180-day assessment period is over, it will be replaced, if applicable, by the my Driving Discount for the remainder of the policy’s term, if the my Driving Discount is equal to or greater than the enrollment discount. The my Driving Discount is not static and is subject to change the second renewal following your enrollment in the program.
If the enrollment discount is greater than the my Driving Discount, the enrollment discount will continue to apply until the end of your current policy’s term. At your next policy renewal, you will no longer be eligible to receive either an enrollment discount or the my Driving Discount.
Can I change my mind and opt out of the program? If so, will my insurance policy be cancelled?
This program is voluntary. You may opt out at any time during the assessment period and your insurance policy will NOT be cancelled. However, as of the date you withdraw, you will no longer be eligible for the discounts available under the my Driving Discount program.
If you do opt out, we will send you a prepaid envelope in the mail. All you have to do is put the device in the envelope and mail it back to us.
How can I benefit from the maximum discount?
The better you drive the more you could save. Try to avoid rapid acceleration and hard braking. But your safety must always come first: if you have to accelerate or brake suddenly to avoid an accident, don’t hesitate to do so! Also, the times of day when the vehicle is used affect your discount, so the less driving is done during high-risk periods, the more you could save.
Who is eligible for the my Driving Discount?
A principal driver who has enrolled in the program may obtain this discount for all vehicles of which he or she is the principal driver.
Can I restart the program if I don’t like my final discount?
No. You cannot restart the program because the driving data has already been collected.
Once the final discount is generated by the accumulated driving data, is it retroactive?
No. If applicable, the discount based on driving activity will be applied after the completion of the assessment period, which consists of 180 days of collecting data.
How can I save more?
With Intact Insurance, there are many ways to save, such as Synchro Insurance and the multi-vehicle discount. Call your broker to find out which discounts you may qualify for.
What other insurance coverage can I get from Intact Insurance?
Combine your home and car insurance to get additional protection and take advantage of premium discounts. Ask an insurance broker to recommend the policy that best suits your needs.
If I have to brake hard to avoid an accident, will that reduce my discount?
WWe look for a driver’s usual behavior and the frequency of events like hard braking. We know that even the best drivers sometimes need to stop suddenly. One or two instances of hard braking will not necessarily reduce your potential discount. The most important thing is to keep you and your passengers safe. So, if you need to hit the brakes to avoid an accident, don’t think twice!
The information in my profile was recorded when someone else was driving my vehicle. Since I am not the one responsible, what happens?
The program is intended to evaluate the principal driver, but the assessment is also meant to include all other drivers who use the vehicle during a 180-day period.
What happens if a driver has an accident while using the my Driving Discount device?
Accidents are not taken into consideration when calculating your savings with my Driving Discount. However, the accident may have an impact on your insurance premium because of our rating guidelines.
If I work night shifts, will that have an impact on my potential discount?
Statistically, you are more likely to be involved in an accident between 12 a.m. and 4 a.m. Therefore, any driving during these hours is taken into consideration when calculating your final discount. However, night-time driving is just one of the risk factors that affect your potential savings. The my Driving Discount program also considers rapid accelerations and hard braking to determine the final discount.
If I usually drive 110 km/h on the highway, will I be penalized?
Speed is not taken into consideration when calculating your potential discount. However, drivers who speed are more likely to have hard braking and rapid acceleration events. These two factors (as well as the times of day when the vehicle is driven) are taken into consideration when calculating your final discount.
Where do I install the device in my vehicle?
The device plugs into your vehicle’s On-Board Diagnostics (OBD) port. For more information, refer to the installation guide.
How do I find the port where I connect the device?
The On-Board Diagnostics (OBD) port is usually close to the steering column or else below it, under the instrument panel, beside your feet. For more information, refer to the installation guide.
How can I tell if I’ve installed the device properly?
Once the device is plugged into the vehicle’s OBD port, start the car. Two small lights should go on. If these lights are on, your device is working properly. For more information, refer to the installation guide.
How do I know if the my Driving Discount device is working?
When you start the vehicle, look for two small lights on the my Driving Discount device. If these two lights have not gone on, unplug the device, review the installation guide, and plug it in again.
What happens if my device stops working?
Don’t worry. If your device stops working, simply call us at 1 855 785 2223 and we’ll send you a new one
What happens if I remove the device for vehicle maintenance or repair?
If your mechanic has to remove the device from your vehicle for maintenance or repair, there will be no impact on your potential discount. Just be sure you reconnect the device when the repairs are completed.
If you need to remove the device from your vehicle for an extended period (30 days or more), it is important that you let us know, in order to avoid being removed from my Driving Discount. If we do not receive any data from your car for 30 days or more, you could be removed from the program. Please contact us at 1 855 785 2223 if you need to remove the device for a long period or if you expect the vehicle will not be used for 30 days or more.
What happens if I lose the device or if it gets damaged?
Give us a call at 1 855 785 2223, and we will send you a new one. A charge may apply.
Do I have to remove the device if I lend my car to someone else?
No. The program is used to evaluate the principal driver, but also all other drivers who use the vehicle during the 180-day assessment period.
Will the device work outside the province?
The my Driving Discount device works throughout Canada and the United States. You’ll be able to access all your driving data by logging in to the my Driving Discount Dashboard at mydrivingdiscount.intact.ca.
Does the my Driving Discount device track the vehicle wherever it goes?
In order to evaluate the driver’s habits, trips made by the vehicle and information related to those trips (date, time, duration, etc.) are part of the data collected during the my Driving Discount program’s assessment period. The my Driving Discount device uses GPS and tracks all trips recorded by this system.
What do I have to do at the end of the my Driving Discount program?
Once you’ve completed the assessment period, you will receive an email with instructions. Shortly thereafter, you will receive a prepaid envelope in the mail. All you have to do is put the device in the envelope and mail it back to us.
What do I do if I change vehicles?
During the driving data collection period
If you change vehicles during the assessment period, please contact your broker to make arrangements for transferring the device to your new vehicle.
Outside of the driving data collection period
If you are not in a driving data collection period, just tell your broker about the change of vehicles.
Will I keep the my Driving Discount premium reduction if I get another car?
Yes. my Driving Discount is an insurance program that gives you a personalized discount based on recorded driving behavior. The discount is based on driving habits, not on the vehicle. Therefore, the discount will be applicable to the new vehicle, subject to meeting the eligibility criteria.
What happens if I put my vehicle in storage?
When you put your vehicle in storage, we recommend that you unplug the device and contact us so that we can put a hold on the program until you take your vehicle out of storage.
What are the eligibility conditions for my Driving Discountprogram?
- The policyholder must meet Intact Insurance’s underwriting guidelines.
- The policyholder must provide a valid email address.
- The vehicle must not be in storage when you enroll in the my Driving Discount program and must not be stored or unused for more than 30 consecutive days during the 180-day data collection period.
- Eligible vehicles:
Vehicles with model year 1998 or later;
Private passenger vehicles;
Individually-rated light commercial vehicles (1 to 4 vehicles on the policy) in personal or commercial classes 33 to 45.
- Excluded vehicles:
Vehicles not compatible with the technology;
Truckers’ Insurance policies;
Heavy commercial vehicles;
Motorcycles, ATVs, snowmobiles and other miscellaneous vehicles.
The policyholder or the driver designated by the policyholder, enrolled in my Driving Discount, must be the principal driver of at least one vehicle included in the policy with an annual premium of at least $300 (before tax and before applying the 5% enrollment discount).
Can multiple principal drivers on the same policy enroll in the my Driving Discount program?
Yes. Every principal driver on the policy can enroll if they meet the eligibility criteria.
Can I register all my cars for my Driving Discount?
Yes. A principal driver can register all vehicles for which he or she is identified on the policy as the principal driver, as long as the eligibility conditions are met. Connect the device to the car you use most often, and we’ll apply the discount for any other eligible vehicles that appear on the policy with you as the principal driver.
How long is the assessment period?
Your assessment period is 180 days from when you install the device and start driving. If the assessment period cannot be completed prior to when your renewal is issued, then the renewal will be issued with your enrollment discount. The personalized discount to which you may be eligible may be applied once the assessment period is completed. Please consult the “How long will my discount apply?” section for more details.
How is my driving data protected?
You have our firm commitment in the form of our Privacy Promise. We use care and strict security safeguards when storing or destroying your personal information in order to prevent any unauthorized access, collection, use, disclosure, copying, modification, disposal or similar risks. In the event that we transfer personal information to a third party in Canada or across borders, we contractually require that third party to protect your personal information in a manner consistent with our Privacy Promise and with legislation in their jurisdiction.
Note that for a device used in a commercial vehicle, the Insured and/or the person they designate will have access to the driving data for all vehicles registered in the program.
How will the driving data be used?
How long will you keep my information?
As a rule, we keep your information for as long as it is reasonable for us to do so, either for business or legal purposes.
Will Intact Insurance share my information with third parties?
Intact Insurance and our service provider will only use or share your information for purposes consistent with the my Driving Discountprogram, unless disclosure is required by law, and will never sell your information to third parties.
Does my broker have access to my driving data online?
No. Your broker will not have access to your my Driving Discount data. Only the potential discount information will be available for your broker
How long will I be able to see my information online?
Your driving profile will remain available online for 30 days after the end of the assessment period.
What can I do if I notice something wrong with my driving data?
If you think there is an error in your driving data or if you have any technical issues with your device, simply call us at 1 855 785 2223.
How often is the driving information updated?
The driving data is updated automatically every time the vehicle is used. Your potential discount will be calculated once a week (every Monday). However, you will need to have the device plugged in for 30 days before your potential discount becomes available to view online.
I never got an email confirming my user name and password for the my Driving Discount Dashboard. What should I do?
Just give us a call at 1 855 785 2223.