my Driving Discount® FAQ
How it works
my Driving Discount could reward you with a personalized discount by assessing the time of day that you drive, along with your acceleration and braking, based on the kilometres driven.
Hard braking increases the risk of being involved in an accident. The program therefore calculates the ratio of hard braking events on total km driven to determine your personalized hard braking factor. A hard braking event is defined as any decrease of speed of 12 km/h or more in 1 second.
Rapid accelerations increase the risk of being involved in an accident. The program therefore calculates the ratio of rapid acceleration events on total km driven to determine your personalized rapid acceleration factor. A rapid acceleration is defined as any increase of speed of 12 km/h or more in 1 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 program therefore evaluates the time of day that you’re driving to determine your personalized high-risk period factor. The less you drive at night, the more you could save.
We look for the frequency of events and regular driving behaviours. We know that even the best drivers have to brake hard occasionally. So it doesn’t necessarily mean that if you brake hard once, your discount will be reduced. The most important thing is your safety. If you need to hard brake to avoid an accident, make sure you do!
Once you've plugged in the device and driven at least 30 days, your potential discount update will become available to you on your my Driving Discount website.
The my Driving Discount device works throughout Canada and the United States. You’ll be able to access all your driving data by logging into the my Driving Discount website.
Accidents are not taken into consideration when calculating your potential personalized discount. However, this may nevertheless have an impact on your insurance premium as per our standard practices. If you have questions about your policy or premium, please contact your broker.
Speeding is not taken into consideration when calculating your personalized discount. However, speeding may cause you to hard brake and rapid accelerate. These 2 factors (along with the time of day you drive) are taken into consideration when calculating your potential discount.
Please call our Customer Care team on 1 855 250 4743 and advise them that the vehicle is being put in storage. The device should not be removed, it will not affect your vehicle while installed.
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