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Intact Insurance launches my Driving Discount program in Alberta


June 5, 2017   by Canadian Underwriter


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Good drivers in Alberta will now have access to an Intact Insurance driving discount program that allows them to save as much as 25% on their auto insurance premiums.

The my Driving Discount program uses driving data collected by a mobile app to determine a personalized discount for customers based on their driving habits, notes a statement Monday from Intact Insurance, Canada’s largest home, auto and business insurance company, serving more than 4 million consumers.

Customers must complete an assessment period of approximately nine months to be eligible for the personalized discount on renewal. Specifically, driving is assessed based on hard braking, rapid acceleration and time of day.

Related: New Intact Insurance, belairdirect offering in Quebec links driving behaviour to auto insurance discounts

“Customers receive a one-time discount on their premium just by signing up for the program – 10% for personal auto insurance customers and 5% for commercial auto insurance customers – which is replaced by their personalized discount of up to 25% on their next renewal following an assessment period,” the insurer explains.

Personal auto insurance customers can download the mobile app onto their smartphones, while commercial auto insurance customers receive an on-board diagnostic (OBD) device that connects to the OBD port in their vehicle.

Beyond rate breaks for good drivers, customers using the device can view their potential discount and a summary of their trips on a personalized website and those with the app can access said information from their mobile device at any time.

Alberta becomes the latest province to gain access to the program. Initially launched in Ontario in 2013, the insurer later made it available to customers in Nova Scotia, New Brunswick and Quebec.

The program seeks to reward drivers who consistently drive safely, says Rosa Nelson, Intact Insurance’s vice president of sales and business development, West.

“More and more, safe drivers are looking for customized insurance programs that reward them for good habits on the road and my Driving Discount does exactly that,” Nelson continues.

Related: Allowing both telematics program discounts, surcharges could secure a solid future for telematics in Canada: speaker