My Driving Discount

"my Driving Discount" is our insurance program that offers you a personalized discount through the assessment of your driving habits based on a specific number of kilometres driven and recorded on a special App for your mobile device. 

Essentially, the better your driving habits, the more money you could potentially save on your insurance premiums!

Who doesn't want to save money on anything, including insurance premiums. Rates have increased, even for those with good driving records, but "my driving Discount" is a way to prove you're a good driver and earn a discount.

Check out these FAQ's and see if this program might work for you....

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 enroll?

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.