Intact Insurance | My Drive: Personalized car insurance premium

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Program

Available through the Intact Insurance App, my Drive™ is a usage-based insurance program that rewards safe driving behaviour. Through your smartphone’s GPS, accelerometer, and gyroscope, the program will assess how safely you drive in order to calculate your potential discount. Get a 10% enrolment discount just for signing up and if you drive safely, you could save up to 30% off your car insurance.

**An enrolment discount of 10% applies to new policies or risks effective from August 7, 2019 or existing policies effective from September 7, 2019.

Joining the my Drive program is quick and easy! Simply contact your broker, or for more information visit intact.ca/en/personal-insurance/online-services/my-drive. All drivers registered for my Drive under the same policy will receive a text message (SMS) with instructions to activate the program.* Once you activate your account, accept the Terms of Use, and give the Intact Insurance App access to certain features on your smartphone – you are ready to start driving!

*If there is more than one principal driver on the same policy enrolled in the my Drive program, the download link will be texted to the phone number provided for each principal driver.

Yes, you can end your participation in the my Drive program at any time by contacting your broker, however, you will lose any discount related to the program.

Yes! Your discount will apply to any vehicle, provided that you are the principal driver on the policy, and your vehicle meets the eligibility requirements of the my Drive program.

Yes! Any driver listed as a principal driver on your policy can join the my Drive program.

Not a problem. If you are driving your personal car for business, e.g., if you’re a realtor or sales person, your trips will still count towards your Safety Score and discount.

The my Drive program is only for drivers using their personal vehicles for business or personal use. If you are driving for commercial purposes, for example if you’re an Uber or Lyft driver, ambulance driver, bus driver or heavy truck driver, you must visit the “All Trips” section and set the toggle to “I was a passenger on this trip” within 30 days of completing a trip as a commercial driver. You can also contact the my Drive customer service team at 1-855-251-6977.

Set up

You will need an iPhone running iOS 14 or higher, or an Android device running version 8.0 or higher. Depending on your type of smartphone, the performance of the my Drive program may vary as certain sensors behave differently in different devices.

Depending on your smartphone settings, the Intact Insurance App will update automatically with the my Drive program or you will be prompted to confirm the update. If you don’t have the Intact Insurance App, you can download it for free from the App Store^© or Google Play™.

The my Drive program will not work unless you turn on location services in your smartphone settings. Your location helps detect driving behaviour, such as changes in speed, the start of a trip, and whether you are the driver or a passenger

The my Drive program needs access to your iPhone’s “motion and fitness” data for its accelerometer and gyroscope sensors. As the name implies, the accelerometer measures acceleration and helps determine how fast your phone is moving. Whereas the gyroscope detects which direction it’s pointing in.

The my Drive program needs access to “make and manage phone calls” on your Android device for its accelerometer and gyroscope sensors. As the name implies, the accelerometer measures acceleration and helps determine how fast your phone is moving. Whereas the gyroscope detects which direction it’s pointing in. Don’t worry! We will only monitor your driving, not your calls.

When you first activate the my Drive program, you will need to confirm if you are mostly the driver or a passenger when travelling by car. The app also uses state-of-the-art technology to analyze your driving behaviour and smartphone’s movements to identify if you are the driver, passenger, or travelling by some other mode of transit (e.g. public transportation).

Like any app that uses your location, the my Drive program will consume an average of 3% to 6% of your smartphone’s battery life per day. This is a small amount when you are not driving, and slightly more while you are taking a trip. Remember, if your battery is lower than 20% or your smartphone is in power-saving mode, your trips will not be recorded!

Yes, you must have a data plan with internet access in order to collect and transfer your driving data to Intact Insurance.

Generally, between 30 and 60 MB per month will be used. This is a very small fraction of an average data plan (1,000 – 2,000 MB or more per month).

Any driver who does not activate the my Drive program within 15 days of the effective transaction date will be unenrolled and no longer eligible to receive any associated discounts.

Troubleshooting

If you already have the Intact Insurance App and cannot access the my Drive program in the app, please try logging out and logging back in. If you still cannot access the program, try deleting the app and downloading it again or contact us at 1-855-251-6977 and a member of our customer service team will guide you through activating the my Drive section of the app.

In order to determine your trip’s starting point, you need to start driving. As a result, there's a delay of 300 metres before the my Drive program can detect movement and pinpoint your location.

It may occasionally happen that a trip is not recorded due to:

no internet connection;
battery is lower than 20%;
smartphone is in power-saving mode;
permission is disabled;
the app is not running in the background;
the app is experiencing technical difficulties

Don’t worry! In the event that a trip has been misclassified, visit the “All Trips” section and set the toggle to "I was a passenger on this trip" within 30 days of completing the trip. You can also contact the my Drive customer service team at 1-855-251-6977.

Simply visit the “All Trips” section and set the toggle to "A passenger was using my phone" within 30 days of completing the trip. The distracted driving event will then be removed from your Trip Summary. You can also contact the my Drive customer service team at 1-855-251-6977.

Please contact the my Drive customer service team at 1-855-251-6977 if you are planning not to drive for more than 30 days. If you don’t, this could result in the cancellation of your enrolment and you will lose any discount related to the program.

You will need to download the Intact Insurance App again and log in using your credentials. There is no need to re-enrol in the my Drive program as all your information will be stored.

Please contact your broker to make the necessary changes to your account. A new my Drive download link will be sent to you by text message (SMS). Don’t worry! All your information will be stored, and you can continue driving.

If you delete the Intact Insurance App by mistake, you just need to download it again and follow the prompts to activate the my Drive program. All your information will be stored, and you can continue driving. Remember, if your trips are not recorded within a 30-day period this could result in the cancellation of your enrolment and you will lose any discount related to the program.

Please contact the my Drive customer service team at 1-855-251-6977 if there is an error in your driving data, or if you are experiencing technical difficulties.

Stats and driving behaviour

Your Safety Score provides you with an at-a-glance summary of how safe you are driving. It takes into account your driving data from the last 30 days, and displays a score for the following five risks which are highly representative of your driving and could affect your discount:

Risky hours: driving at night between 2 a.m. and 5 a.m. when the risk for car accidents is higher.
Rapid acceleration: quick changes in speed starting at or exceeding 11.0 km/hr per second.
Hard braking: sudden changes in braking speed starting at or exceeding -11.0 km/hr per second.
Speeding: driving at an excessive speed.
Distracted driving: using your phone to talk or text, even if it’s hands-free.

Even experienced drivers need to brake hard or accelerate quickly sometimes. It’s your safety that matters most, which is why your Safety Score is calculated over the average of several trips. Don’t worry! One individual event will not have a significant impact on your overall score.

Your Safety Score lets you take a closer look at how you are driving through colour coding to indicate your level of risk:

Dark green: very low risk
Light green: low risk
Yellow: moderate risk
Orange : high risk
Red: severe risk

Your Driving Stats provide you with a detailed description of each risk displayed in the app and propose tips for improvement. This allows you to monitor your progress and see how you compare to other drivers participating in the my Drive program in your province.

The my Drive program helps you drive safer by translating your driving data into easy to understand driving behaviours and events, such as:

hard braking;
rapid acceleration;
risky hours;
speed; and
distracted driving (using your phone to talk or text, even if it’s hands-free).

This is simply an overview as several factors are used to calculate your discount.

In order to capture an accurate picture of your driving behaviour, you must drive a minimum of 1,000 km during a collection period. If you don’t, any discount will cease to apply until a new collection period is completed.

Discount and savings

Your discount is based on the following driving behaviours:

hard braking;
rapid acceleration;
cornering and fast turns;
kilometres driven; and
distracted driving (using your phone to talk or text, even if it’s hands-free).

that are then analyzed based on factors such as:

severity of the event;
speed at which the event was registered;
time of day and day of the week;
road types (e.g., highway, urban or rural);
left or right turns; and

Even experienced drivers need to brake hard or accelerate quickly sometimes. It’s your safety that matters most, which is why your discount is calculated over the average of several trips. Don’t worry! One individual event will not have a significant impact.

The enrolment discount is applied to the cost of your car insurance when you first join the my Drive program. This one-time discount is applicable over your first collection period of approximately 6 months. At the end of this collection period, you could save with a discount based on your driving behaviour.

Your discount may change or be removed during the course of your policy term. Mid-term (at approximately 6 months) your premium may increase or decrease due to the completion of a collection period and the updating of your discount. This fluctuation could result in a balance owing to Intact Insurance. When your policy is renewed, your premium may increase or decrease based on several factors other than a change in your discount.

Your discount is just one of many saving opportunities that could be applied to your car insurance policy (e.g. car + home discount, multi-vehicle discount, etc.). Discounts are applied to your premium in different sequences and apply to specific coverage, which is why you might notice that your dollar discount is different from your percentage discount. Don’t worry! You will always receive the right amount of savings.

When you first join the my Drive program, you will receive a 10% enrolment discount. This enrolment discount will be replaced, if applicable, by a discount based on your driving behaviour (180 days after your first tagged trip).

For a collection period ending during your policy term, you can expect that:

If your discount increases, your my Drive and premium will be updated.
If your discount decreases, your my Drive and premium will be updated. However, if your discount decreases by less than 5%, Intact Insurance will not apply your updated my Drive and will continue to apply the previous discount and premium.

Your discount will be adjusted again when your policy is up for renewal. Once your policy is renewed, the cost of your car insurance may increase or decrease based on several factors other than a change in your discount. For upcoming policy terms, your discount will be updated approximately 6 months into your policy term, and again at renewal.

Your projected discount will be displayed on the dashboard of the App. Every month, you will also receive an email outlining any discounts for all principal drivers on your policy.

The discount that is applied on your policy documents is the one calculated approximately every 6 months, at mid-term or at renewal, and could be different from the projected discount that appears in the App today, which is updated after every trip.

Your projected discount will appear in the App once you have driven 1,000 km. Once this threshold is reached, your projected discount will be updated within a few minutes after each trip.

Whenever the cost of your car insurance changes, you will receive updated policy documents including a billing statement indicating any adjustments in your payments:

If the premium has already been paid in full: a refund will be issued if the premium decreased, or an additional amount will be due if the premium has increased;
If the premium is paid monthly, or by another payment method: the payment schedule will be adjusted accordingly to reflect increased or decreased payments, as the case may be.

When your policy is renewed, the cost of your car insurance may increase or decrease based on factors other than a change in your discount.

Privacy

Information about your driving behaviour and trips is only shared with Cambridge Mobile Telematics, Inc., a mobile telematics company. Intact Insurance works with this service provider for the technology, systems, and services necessary to run the my Drive program.

No, Intact Insurance only receives information to detect if you are using your phone while driving. Your phone calls will never be tracked or recorded.

No. This information is only visible to you and is not shared with any other drivers on your policy.

Not without proper legal authorization or your consent. Intact Insurance is committed to protecting your privacy and will never disclose your personal information to law enforcement agencies, unless otherwise permitted or required by law.

Intact Insurance uses strict security safeguards when storing or destroying your personal information in order to prevent unauthorized access, collection, use, disclosure, copying, modification, disposal or similar risks. In the event that your personal information is transferred to a third party (e.g. our service provider, Cambridge Mobile Telematics, Inc.), Intact Insurance contractually requires such third party to protect and handle your personal information in a manner consistent with its own privacy safeguarding measures and according to all applicable laws.

Intact Insurance and Cambridge Mobile Telematics, Inc. will only use and disclose your information in accordance with the my Drive program’s Terms of Use, unless otherwise required by law.