my Driving Discount®
my Driving Discount® FAQ
Read the FAQ and find out how my Driving Discount can save you more money.
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 can save.
How it Works
my Driving Discount is our insurance program that offers you a personalized discount based on driving habits (braking, acceleration, and the time of day the vehicle is used, all in relation to the total number of kilometres driven). The better the driving behaviour, the more you save.
First, you get an automatic discount of 5% just for enrolling. Then, you could save up to 25% on your auto insurance once your 6 month assessment period is completed. You will also get information about your driving behaviour.
No, there is no charge for enrolling in my Driving Discount.
If you already have an automobile insurance policy with us, you can enroll in the my Driving Discount program with your broker. 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.
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.
Three main factors are considered in determining your savings with my Driving Discount: hard braking, rapid acceleration, and the time of day that you drive. These factors are used to calculate a ratio in relation to the total number of kilometres driven.
- Hard Braking
Hard braking increases the risk of being involved in an accident. The system determines a risk factor for hard braking by calculating the ratio of hard braking events to 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
Rapid acceleration increases the risk of being involved in an accident. The system determines a risk factor for rapid acceleration by calculating the ratio of rapid acceleration events to 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 can save.
You’ll automatically receive a 5% discount when you enroll in my Driving Discount. Once you’ve completed the 180-day assessment period, your premium will be adjusted to reflect any discount you may be eligible to receive. The activity discount will be applied to your vehicle for the rest of the current policy term and the renewal policy. We will keep you informed.
The better you drive the more you 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 can save.
At the end of the 6 month assessment period, the final discount will be between 5% and 25%. Thanks to the advice you get with the program, you’ll be able to improve your driving as well.
A principal driver who has enrolled in the program may obtain this discount for all vehicles of which he is the principal driver.
Your 5% enrollment discount applies as soon as you join the my Driving Discount program. Once the driving behaviour assessment period is completed (after 180 days), the final discount will be calculated, based on the driving data that was collected. The percentage will be applied to the remainder of the policy term, and again on your next renewal.
No. You cannot restart the program because all of the driving information has already been gathered.
No. The percentage discount based on driving activity will be applied after the completion of the assessment period, which consists of 180 days of collecting data.
With Intact Insurance, there are many ways to save, such as Synchro Insurance and the multi-vehicle discount. Call your broker to find out what discounts you may qualify for.
Combine your home and auto insurance to get all the protection you need and take advantage of premium discounts. Ask an insurance broker to recommend the policy that best suits your needs.
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!
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 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.
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.
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.
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.
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.
The device plugs into your vehicle’s On Board Diagnostics (OBD) port. For more information, refer to the installation guide.
The On Board Diagnostics (OBD) port is usually close to the steering column or below it, under the instrument panel, beside your feet. For more information, refer to the installation guide.
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.
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.
Don’t worry. If your device stops working, simply call us at 1 855 785 2223 to let us know and we’ll send you a new one
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 take the device out of your vehicle for an extended period (30 days or more), it’s important to 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 the vehicle will not be used for 30 days or more.
Give us a call at 1 855 785 2223, and we will send you a new one. A charge may apply.
No. The program is used to evaluate the principal driver, but also all other drivers that use the vehicle, during a 180-day assessment period.
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.
In evaluating driving behaviour, the my Driving Discount device uses GPS technology
*Certain eligibility conditions, limitations and exclusions apply.