Drive Intact Insurance: What's Covered And What's Not

Intact Insurance's my Drive program is a usage-based insurance (UBI) service that allows participants to save money on their auto insurance premiums by tracking and rewarding safe driving habits. The program is activated through Intact's free smartphone app, which tracks driving behaviour and offers potential savings and rewards, including up to a 25% discount on auto insurance. While the app collects driving data, including location, motion, and phone usage, it does not share this information with third parties and only uses it for the my Drive program unless legally required. Users have expressed concerns about the accuracy of the data collected and the potential for higher insurance rates due to factors beyond their control.

How to sign up for the Intact Insurance my Drive program

Intact Insurance's my Drive program is a usage-based insurance (UBI) program that rewards safe driving with discounts on auto insurance and more. The program is activated through Intact's free smartphone app, which is available on the App Store and Google Play.

• Contact your isure insurance broker: Speak with your insurance broker to express your interest in the my Drive program and initiate the sign-up process.
• Download the Intact app: Once you have spoken with your broker, download the Intact Insurance app on your smartphone. The app is available for iOS 12.0 or later in the App Store and for Android 7.0 and up on Google Play.
• Activate the program: After downloading the app, activate the my Drive program within the app. You will need to accept the terms and conditions and any necessary permissions.
• Receive activation confirmation: Once you have activated the program, you should receive a text message or email confirming your activation.
• Start driving: Once your activation is confirmed, you are ready to start driving and earning rewards! The app will automatically track your trips and driving behaviour.
• Monitor your progress: Use the app to monitor your driving behaviour, potential savings, and rewards earned. The app provides a personalized dashboard and real-time driving statistics, allowing you to track your progress and work towards improving your driving habits.

Note that if you already have the Intact app, you may need to update it to access the my Drive program. Additionally, you will be unenrolled if you do not activate the program within 15 days of signing up. Contact your broker if you need assistance or wish to cancel your membership.

By participating in the my Drive program, you can save money on your auto insurance and receive rewards for safe driving habits. Remember to review the program's Terms of Use and eligibility requirements to ensure your vehicle is eligible for the program.

The types of discounts available with the program

The Intact Insurance my Drive program is a way to save money on auto insurance while rewarding safe driving. The program offers various discounts to its participants, which are detailed below:

Enrollment Discount

When you first sign up for the my Drive program, you will receive an initial discount for the first six months of your membership. This enrollment discount is typically 10% but can vary between 5% and 10%.

Safe Driving Discount

The my Drive program uses your smartphone's GPS, accelerometer, and gyroscope, or a telematics dongle, to assess how safely you drive. It tracks driving behaviour such as hard braking, speed, acceleration, and the time of day. Based on this data, the program calculates a safety score and offers discounts of up to 25% on auto insurance premiums.

Multi-Vehicle Discounts

The my Drive program allows participants to register all vehicles for which they are the principal driver, and the discounts earned through safe driving apply to any of these vehicles.

Car + Home Discounts

Participants of the my Drive program can also bundle their auto insurance policy with their home, condo, or tenant's policy, which can lead to additional savings of up to 15%.

It is important to note that the my Drive program does not increase your insurance rates or premiums based on poor driving behaviour. The data collected is used to determine eligibility for discounts and rewards, and participants have the power to improve their driving habits and increase their savings over time.

How to activate the program

To activate the Intact Insurance my Drive program, you must first sign up with your isure insurance broker. You can then download the Intact Insurance app on your smartphone, which is available on the App Store for iOS 12.0 or later, and on Google Play for Android 7.0 or later. If you already have the Intact app, you may need to update it to access the my Drive program. Once you have downloaded the app, you can activate the program.

After signing up, you will receive a text message with instructions to activate the program. You will then be ready to start driving and tracking your driving behaviour. The app will monitor your driving habits, including acceleration, braking, and the time of day you drive, and you will be rewarded for safe driving. You will receive a 5% enrolment discount, and you can save up to 25% upon renewal.

The app will also allow you to view your home or vehicle policy, check the status of your claim, access proof of insurance, consult billing statements, and more. It is important to note that the app requires your smartphone's location services to track driving, as well as motion sensors on iPhones and the ability to make and manage phone calls on Android devices.

If you have any issues with the app, you can contact Intact at 1-855-785-2223 Monday to Friday from 8 a.m. to 8 p.m., or Saturday from 8:30 a.m. to 4:30 p.m. You can also reach them by email at mydrive.quebec@intact.ca.

How to cancel the program

To cancel your Intact Insurance my Drive membership, you must contact your isure broker. You will be unenrolled if you have not activated the program within 15 days of joining. However, if you have been enrolled for more than 15 days, you must contact your broker to cancel the membership. You can also simply delete the app.

It is important to note that if you cancel your membership, you will lose the 10% enrolment discount. Your insurance policy will not be cancelled if you opt out during the assessment period, but you will no longer be eligible for the savings available with the my Driving Discount program.

If you are experiencing issues with the app, you can contact Intact at 1-855-785-2223 Monday to Friday from 8 a.m. to 8 p.m., or Saturday from 8:30 a.m. to 4:30 p.m. You can also reach them by email at mydrive.quebec@intact.ca.

How the app assesses driving behaviour

The Intact Insurance my Drive program is a usage-based insurance (UBI) program that assesses driving behaviour to determine insurance discounts. The program is activated through Intact's smartphone app, which is available for free on iOS and Android devices. The app uses location services, motion sensors, and phone call data to track driving behaviour.

The my Drive app provides a personalised dashboard and real-time driving stats, allowing participants to monitor their driving and earn rewards and discounts. The program generates a safety score based on driving habits, including braking, acceleration, and the time of day the vehicle is driven. This safety score is not shared with the user's insurance policy and cannot be accessed by police without proper legal authorisation or consent.

The app assesses driving behaviour by tracking factors such as speed, acceleration, and braking. For example, the app may detect "hard" brakes or speeding, which can impact a user's smoothness badges. Additionally, the app considers the time of day the vehicle is driven, as driving at certain times may be indicative of safer driving habits.

While the app tracks driving behaviour, it does not take into account all factors on the road. Some users have reported issues with the app's accuracy, as it does not always account for the actions of other drivers or unexpected situations that require rapid reactions. It is important to note that the app is not the sole determinant of insurance premiums, and other factors such as vehicle type, usage, and distance driven are also considered.

Overall, the my Drive app aims to encourage and reward safe driving habits by providing feedback and potential discounts on auto insurance. Users can track their driving behaviour and potential savings through the app, with the opportunity to save up to 25% on their auto insurance premiums.

Frequently asked questions