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What is my Driving Discount?
my Driving Discount is our insurance program that offers you a personalized discount by assessing your driving habits (braking, acceleration, and the time of day you drive) based on the number of kilometres driven. The better your driving habits, the more you could save.
Who can sign up?
If you’re insured with Intact Insurance, you own an iPhone (iOS 8.2 or later) or Android device (Version 4.3 or later) and you have a data plan, and meet eligibility criteria, you can sign up for my Driving Discount through your insurance broker.
What's in it for me?
You’ll get up to a 10% discount immediately (some exceptions apply)** for signing up and could save up to 25%* on your car insurance premium on your next renewal once you complete the assessment period (up to nine months). You'll also receive valuable information about your driving habits.
Can my premium go up because of my driving habits?
Your premium will not increase as a result of the data used to calculate the discount. However, on renewal you could earn a personalized discount based on your driving habits, which can range between 0% and 25%.
Is there any cost to enrol?
No. There is no charge for enrolling in the my Driving Discount program.
How do I sign up?
If you already have an auto insurance policy with us, you can enrol in the my Driving Discount program through your broker (subject to meeting the eligibility criteria).
What type of smartphone do I need to have?
To be eligible for the my Driving Discount program, you need an iPhone with iOS 8.2 or later, or an Android device with version 4.3 or later. The my Driving Discount mobile app is not compatible with iPhone 4, 4S, 5 and 5C or older phones that pre-date these models. You also need a data plan with your cellular service provider to collect and transfer the driving data.
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 savings available with the my Driving Discount program.
How long will my discount apply?
You will receive up to a 10% enrolment discount (some exceptions apply)** as soon as you join the my Driving Discount program. Once your assessment period is complete, a personalized discount will be calculated based on the driving data collected. Your personalized discount will be automatically applied on your next renewal and you will remain eligible to receive discounts as long as you continue to be enrolled in the program.
Can I register all my cars in the my Driving Discount program?
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. You'll only need to install and use the mobile app once, and we’ll apply the discount to any other vehicles that appear on the policy with you as the principal driver.
How long is my assessment period?
Your assessment period can last up to approximately nine months from when you first log in to the app and start driving. If the assessment period cannot be completed prior to when your renewal is issued (not the effective date of the renewal), then the renewal will be issued with your enrolment discount. The personalized discount will be applied on the subsequent renewal.
Is there a minimum number of kilometres I must drive?
In order to be eligible for a potential discount, you must drive a minimum of 1,000 km during your assessment period as the driver of the vehicle.
What happens after I sign up?
We will send an email containing a link for you to download the app onto your smartphone, along with all the information you need to log in to the app. You must activate the link in the email to complete your enrolment. Once installed and set up, simply drive as usual. You can view your driving profile and potential discount on the app any time you are logged in with the location services enabled.
What trips will the app record?
During your assessment period, the app will record all trips where it believes you are driving a car. You will have to go into the app and confirm whether you were the driver or not. If you do not do so, or if you do not confirm your mode of transport, the app will consider you the driver by default after seven days. Once your assessment period is completed, the app will no longer record any trips.
Which trips do I need to confirm as a driver?
You will need to confirm that you were the driver in all trips where you were driving a car, whether it’s your car or not. If you were driving a motorcycle, a recreational vehicle, or any other vehicle that isn’t a car, you need to confirm that you were not the driver and confirm your mode of transportation.
Can I delete the app when I’m done?
Once you receive your confirmation email that you’ve completed the program, the app will no longer record any trips and you can delete the app from your smartphone.
Before you delete the app, you will be able to review your past trip information for a limited time. However, you will not be able to go back and tag any trips on the app that are waiting to be tagged. These untagged trips will not be used to calculate your potential discount.
What are the steps to begin the program?
After you sign up, you must download the mobile app to your smartphone. Your login details will be sent to you at the email address associated with your insurance policy. You must activate the link in the email to complete your enrolment. Once logged in, just start driving. Your driving data is automatically recorded and the app will determine your potential discount.
Do I need a data plan?
Yes. You must connect through a cellular data network so that your driving data will be uploaded and we can calculate your potential discount.
What are the other key requirements needed for the app to work?
What if I have to change phones?
If you need to change phones after you have already started your assessment period, you can just download the app on your new phone and continue your assessment from where you left off. You simply log in using the same username and password you already have.
What if I don't see any data or my results haven't changed in my dashboard?
Make sure location service is turned on in your app and phone settings. It is mandatory in order for your trips to be recorded and displayed on your dashboard. Should the issue persist, please contact our Helpline for more information 1-855-903-1300 or email us at mydrivingdiscount.alberta@intact.ca
Novex customers can call: 1-855-419-0998 or email mydrivingdiscount.novex.alberta@intact.ca.
Does the app use power from my battery?
Yes and the amount will vary from one smartphone to another depending on the phone model and the age of the phone. That's why it’s important to have your phone charged as you will not be able to record any trips without battery power.
Does the app use my cellular or Wi-Fi data?
Yes. Downloading the app and the app itself will use your cellular and/or wireless data. The app transfers data to calculate your potential discount. Data will continue to be transferred while roaming, unless you turn data off on your smartphone.
The app uses approximately 40MB per month. For a person with a standard 1GB plan, driving about 1 hour per day, this is amount is equivalent to:
The app did not record my trip. What do I do?
It may occasionally happen that the app does not record a trip because of interference with the phone’s GPS, or if you are driving through areas with low cellular phone signal. If you notice this happening regularly, please contact our Helpline for more information 1-855-903-1300 or email us at mydrivingdiscount.alberta@intact.ca.
Novex customers can call: 1-855-419-0998 or email mydrivingdiscount.novex.alberta@intact.ca.
What factors are taken into consideration when calculating my discount?
Your personalized my Driving Discount takes into account: 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
A hard braking event is defined as any decrease of speed of 12 km or more in one second.
Hard braking increases the risk of being involved in an accident. The program determines a risk factor for hard braking by calculating the ratio of hard braking events to total kilometres driven.
Rapid Acceleration
Rapid acceleration is defined as any increase of speed of 12 km/h or more in one second.
Rapid acceleration increases the risk of being involved in an accident. The program determines a risk factor for rapid acceleration by calculating the ratio of rapid acceleration events to total kilometres driven.
Time of day
The less the vehicle is used at night, the more you can save.
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 uses the time of day that you’re driving to determine your personalized night-time driving factor.
When is my potential discount updated?
If you have your cellular data on or connected to Wi-Fi, they are both updated right after you confirm your mode of transport for each of your trips.
How can I benefit from the maximum discount?
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 time of day when the vehicle is used affects your discount, so the less driving you do during high-risk periods (12 a.m. to 4 a.m.), the more you can save.
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!
What happens if I have an accident while using the my Driving Discount app?
Accidents are not taken into consideration when calculating your potential personalized discount. However, this may 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.
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 personalized 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 your discount.
If I go over the speed limit, will this impact my potential discount?
Speed is not taken into consideration when calculating your potential 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 time of day the vehicle is driven) are taken into consideration when calculating your final discount.
How can I save more?
With Intact Insurance, there are many ways to save. Call your broker to find out what discounts you may qualify for.
How do I know what my potential discount could be?
By checking your dashboard in the app, you'll be able to see your potential discount. To see the dashboard, you need at least one trip recorded where you were the driver.
Who is eligible to receive the my Driving Discount ?
A principal driver who has enrolled in the program is eligible to obtain this discount for all eligible vehicles of which he or she is the principal driver.
Can I restart the program if I don't like my final discount?
Yes. You can request a new assessment one year after the successful completion of your last assessment, provided you continue to be eligible for the program. Once you complete your new assessment, your new my Driving Discount will replace your old discount at your next renewal, whether it is higher or lower.
After the completion of your first assessment and before a year has passed, if there are changes in your lifestyle that may affect your driving behaviour, please contact your broker. You may be eligible for a new assessment right away.
Once the final discount is generated by the accumulated driving data, is it retroactive?
No. The percentage discount based on your driving activity will be applied upon your next renewal after completion of the assessment period, which may be up to nine months.
What other coverage can I get from Intact Insurance?
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.
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.
How will the driving data be used?
The driving data will be used to detect when you have taken a trip and to record the driving events (e.g. hard braking, rapid acceleration, and time of day driving events) which will be used to determine the personalized discount that you may be eligible for following your assessment period.
The driving data will also be used to give you feedback about your driving behaviour through the mobile app.
Additionally, the driving data will be used for research and development purposes to continuously improve the my Driving Discount program and develop new features for the mobile app.
The driving data will not be used to cancel your policy, refuse to renew your policy, increase your premium, confirm rating criteria (e.g., where vehicle is principally garaged, distance driven, pleasure/commute/business use), or process or deny claims.
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 in accordance with the my Driving Discount program, unless disclosure is required by law. We will never sell your information to third parties.
Does my broker have access to my detailed driving data?
No. Only you have access to the detailed data in your driving profile.
What should I do if there is an error in the driving data?
Contact us if there is an error in the driving data or if you have technical problems. You can reach our Helpline at 1-855-903-1300 or email us at mydrivingdiscount.alberta@intact.ca.
Novex customers can call: 1-855-419-0998 or email mydrivingdiscount.novex.alberta@intact.ca.
**Some exceptions apply.
Download the app for iOS or Android and log in with your personalized credentials.
Set up your account by calling:
1-855-475-0959
You could save up to 25% on your auto insurance with the Intact my Drive Mobile app. Follow the steps below to get signed in and start saving.
Depending on your driving habits, you could save as much as 25% off your auto insurance. You’ll receive an e-mail at the end of your assessment period, confirming the amount of your personalized discount. If you have any questions, please take a look at our FAQ
I've been using this app for 3 months now and my discount is at 25%! It automatically tracks my drives and confirms that I was the one driving at the end of them. 5/5
- Chelsea A.
If you’ve never experienced a brake failure, the thought of one happening likely doesn’t cross your...
