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    my Driving Discount® FAQ

    Driving Data

    If I have to brake hard to avoid an accident, will that reduce my discount?

    We look for a driver's usual behaviour 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!

    Can my premium go up because of the driving data (braking, acceleration and time of day of vehicle use)?

    No, your premium will not increase as a result of the data used to establish your potential savings. 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 data.

    The information on 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 that 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.

    I usually drive 110 km/h on the highway. Will I be penalized?

    Speed is not taken into consideration when calculating your my Driving Discount. However, with speeding, it is more likely that you will have hard braking events and rapid acceleration. These two factors (as well as the times of day when the vehicle is driven) are taken into consideration when calculating your final discount.

    How do you define a good driver for purposes of my Driving Discount?

    The program is designed to reward driving behaviour that reduces the risk of accidents. Three “risk factors” are taken into account to determine the savings available with my Driving Discount: hard braking events, rapid acceleration events, and the time of day when the vehicle is used. These three metrics are converted into risk factors that will then be used to determine the amount of the my Driving Discount you may be eligible to receive. The better your driving habits in terms of these metrics, the more you will save.